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Insurance Discussion about all issues related to static caravan insurance, from which insurer to how best to make a claim.

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  #1  
Old 19-09-2016, 21:49
Dawnsp Dawnsp is offline
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Default easily confused re insurance

Our insurance is due for renewal on 1st october and our quote from the park insurance is 312 so I've decided to look elsewhere.

my question is: How do i know i have taken out the right insurance? our site manager said to get insurance and he will check it over but what it he says its not suitable. Can i then cancel the insurance and find correct insurance?
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Old 20-09-2016, 06:43
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cheshirecat cheshirecat is offline
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Ask your self the question...."How much am I trying to save?"

20%...... which is unlikely for identical and approved cover, is 60

Personally I would try to get a small discount via your own oarks supplier under the veiled/polite threat of switching and bite the bullet, in the knowledge that you will be covered the same as most of your neighbours and have the parks blessing

Just my opinion, dont shoot me.
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Old 20-09-2016, 07:27
slattster slattster is offline
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It might be worth upping your insurance cover , if your say insured for 35k it may be worth asking for a quote for 40k worth of cover as the cost per 1000 will be less .... I did this , I got more cover for 12 less .... Was hoping for more of a saving but it was worth the phone call.
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Old 20-09-2016, 09:10
Bluebells Bluebells is offline
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It isn't easy to get like for like quotes via internet. After the first year I tried several companies but drew a blank. Then someone phoned me back and it transpired that they weren't sending automatic quotes because my van didn't have skirting and it wasn't anchored down. (That was even before last year's storms). None of the vans are anchored down on the park where we are but that made no difference.

The savings at the time would have been about 70 p.a.

I renewed with the park and subsequently they have changed their own insurance company which has reduced their premium a bit. So its a compromise but less hassle. Also if I need to claim the park will handle it all for me.
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Old 20-09-2016, 13:46
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Cylon Cylon is offline
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Quote:
Originally Posted by Dawnsp View Post
Our insurance is due for renewal on 1st october and our quote from the park insurance is 312 so I've decided to look elsewhere.

my question is: How do i know i have taken out the right insurance? our site manager said to get insurance and he will check it over but what it he says its not suitable. Can i then cancel the insurance and find correct insurance?
You should not have to buy the insurance first, just print off or ask the insurance company for the policy details and what it includes regarding cover, you would need to see this before purchasing anyway, then ask the site manager if the cover is suitable. Some sites though will charge you an admin fee for this, which can add to any savings you may have made.
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Old 20-09-2016, 15:19
Dawnsp Dawnsp is offline
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I called the park today and their admin fee is 40. All they ask is that I have 5 mill public liability. The park also said a lot of other owners use different insurers, lloyds or leisuredays.

I've had afew quotes from different companies and they are all roughly 120-140 I'm about to call a company called coast insurance. Has anyone heard of any of these companies?
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Old 20-09-2016, 16:28
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Maddy Maddy is offline
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ours is with towergate and they are easy to get a quote from.
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Old 20-09-2016, 16:47
Dawnsp Dawnsp is offline
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Quote:
Originally Posted by Maddy View Post
ours is with towergate and they are easy to get a quote from.
Towergate refused to quote me unless I took out 1000 excess for flooding
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Old 20-09-2016, 17:08
fhb fhb is offline
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Quote:
Originally Posted by Dawnsp View Post
Towergate refused to quote me unless I took out 1000 excess for flooding
In that case, I suspect you may have a similar problem with Coast - if I remember correctly their underwriters are Zurich, and they are also very twitchy about flood risk.
Try Lifesure or Paul Baker, both specialist insurers - neither are particularly cheap, but their cover is good, and Lifesure have a very good reputation (Paul Baker was originally Towergate, so expect that when they have been going long enough to get a reputation, it will also be very good).
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Old 20-09-2016, 17:59
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Cylon Cylon is offline
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Quote:
Originally Posted by Dawnsp View Post
Towergate refused to quote me unless I took out 1000 excess for flooding
It may be more costly but if your site is seen as a possible flood risk I think I would seriously consider the insurance offered by the site. I would think with the site insurance, all the groundwork would have been done in making sure all claims are honoured without any problems?
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