Insurance for long term travellers

sak

Guest
Does anyone know how long you can stay out of the UK for with your insurance, I have read 90 days but then what do you do, do you have to return to your home address or just British soil for 1 day, would Gibraltar be classed as returning to the UK or does any insurance company do a long term policy.
I am lead to believe than if you stay in a country for more than 6 months you then need to re-register your vehicle in that country.
I am just planning for my retirement in a few years so I was thinking of selling up and travelling to wherever the sun takes me, I could use my sisters UK address as a base if needed.
 
theere are co out there that will cover you,not allowed campervans in gib ,you have to paark opsite airport in spain and walk in.
was there 7 years back geting married love the plaace and would like to live there but property prices v/high and no space,most people live in apartments and its not my type of living siting on top of people.
 
On any insurance your trip duration is defined as the date you left the uk and the date you returned to the uk, in a claim you would have to provide proof of both your outward and return journeys so the insurance company know you have complied with the max trip duartion allowed on the policy so no, gong to Gib' would not class as going back! And once away from the uk you cannot purchase insurance if out of the Uk already
 
We have been full time in our 7m motorhome since 2009. We gave up the house in Feb 2010 as we had no need for bricks and mortar. We use our daughter as a contact address. There are also agencies that the boating community use to handle their post. You cannot use a PO box for legal documents.

We have insurance with Comfort insurance that allows us 365 days a year travel with a limit of 6 months in any one country other than the UK in a calendar year. This complies as you say with the regulations that you have to register as a resident if you remain in any one country for more than 6 months in a year. This is accumulated periods as well as continuous stay. This insurance is not cheap and is about 3 to 4 times the amount you would pay as a holiday user. You must not leave the vehicle unoccupied for more than 48 hours without it being in secure storage approved by the insurer. True full timing insurance does not have trip limits.

Your vehicle must remain UK registered, taxed and insured. You need a UK contact address for the insurance but also for the vehicle documents and your driving licence. You cannot SORN the vehicle while it is in use even if this is outside of the UK otherwise your insurance becomes invalid. Breakdown insurance is provided by Comfort in the policy and is well worth it.

You must return to the UK for an MOT each year as this can only be done in the UK.

You will need to use Aires, campsites or CLs for disposing of your waste about once per week. It is the urine that creates smells in your toilet so limiting that input will extend the use period from every other day to a week. We use a bidet in the toilet bowl. This makes it easier to control the liquid input and is dual purpose for hygiene purposes as well saving using to much toilet paper. We also carry a nappy bucket with a tight lid.

We use the local water wherever we go using the tank water for everything, but bottled water is available from most supermarkets at home or abroad cheaply. Abroad I also carry an extra 3 x 15 litre water containers. It is easier to fill these smaller container, then transferee them to the tank. They also act as a reserve when wilding. I also carry a cassette hose for use where a threaded tap is available. We also have a watering can.

If you plan on using CLs then budget for at least £15 per night. This also applies to many Aires and Stopover abroad though in the winter many abroad are free.

We find it is cheaper to spend our winter in Southern Spain.

LPG is available but not in CALOR bottles you either need a Gas Tank or be prepared to buy bottles for whichever country you are in. The tank allowed us to use the gas locker to hold 3 x 110Ah batteries. We also fitted a B2B and 2 x 120w Solar panels.

Even in Southern Spain in winter we struggle with solar power from late November to Early February. We find we need to drive or run the engine for at least an hour each day. In summer we have abundant electrical power. We have an inverter 2Kw but have now gone over to running everything from Gas or 12v. The only things that need Mains are my shaver charger and Joan's Hair Dryer.

Watch your payload. You need less than you think at first to enjoy this life. WE now have a shed at our daughters that we leave the surplus in and that way we van have summer or winter gear with us without going over on weight.

You are still able to be counted in the census. We were counted last time with our registration number as our address. It is proposed for later this year that you will also be able to be on the Electoral Roll. Community Charge is only applicable if you stay on one site for more than 28 days or return to the same site regularly.

You need a TV licence for the van if it is your sole residence. Again ours had the registration number as the address.

I hope this has been helpful.
 
On any insurance your trip duration is defined as the date you left the uk and the date you returned to the uk, in a claim you would have to provide proof of both your outward and return journeys so the insurance company know you have complied with the max trip duartion allowed on the policy so no, gong to Gib' would not class as going back! And once away from the uk you cannot purchase insurance if out of the Uk already

You can renew your insurance online while abroad and they will send copies of the documents by email for you to print out.
 
theere are co out there that will cover you,not allowed campervans in gib ,you have to paark opsite airport in spain and walk in.
was there 7 years back geting married love the plaace and would like to live there but property prices v/high and no space,most people live in apartments and its not my type of living siting on top of people.

I dont understand that i have been i Gib before with my motorhome only to the supermarket to get food and diesel could have been because i am Spanish reg but had no problems they did ask where i was going and when i told they said ok that was Dec 2013 :wave:
 
.... We have insurance with Comfort insurance .... This insurance is not cheap and is about 3 to 4 times the amount you would pay as a holiday user. ... You cannot SORN the vehicle while it is in use even if this is outside of the UK otherwise your insurance becomes invalid. Breakdown insurance is provided by Comfort in the policy and is well worth it.

.... I hope this has been helpful.
Hello John, A very useful post. A couple of questions.

1. I am (was) also with Comfort, albeit I have let it lapse since March as I was refurbishing/repairs/maintenance and am about to re-insure it this weekend ready for next week. I am about to pay circa £400 for 10000 limited mileage and 180 days EU insurance for a 16 year old Hobby, what are you paying as you mention it is 3to4 times a holiday user?
2. I have SORNED the vehicle since last August when I returned to work - and am unaware of the requirement you mention about this. Is this a Comfort requirement or another Insurance regulation?
3. Is you Breakdown insurance limited - as my last discussion with comfort indicated to me that I only have 180 days EU cover.

Thanks in advance
 
several insurers will let you have fully comp insurance for 365 days cover in the eu . some cover morocco as well.
but all eu companies will and have to give minimum cover in any eu country for the policey term . that could be just road risk.
you are allowed campers in gib but officially not to stay over night . many do though .
if you are over 50 saga do good cover and good breakdown cover as well.
have fun .cheers alan .
 
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Hello John, A very useful post. A couple of questions.

1. I am (was) also with Comfort, albeit I have let it lapse since March as I was refurbishing/repairs/maintenance and am about to re-insure it this weekend ready for next week. I am about to pay circa £400 for 10000 limited mileage and 180 days EU insurance for a 16 year old Hobby, what are you paying as you mention it is 3to4 times a holiday user?
2. I have SORNED the vehicle since last August when I returned to work - and am unaware of the requirement you mention about this. Is this a Comfort requirement or another Insurance regulation?
3. Is you Breakdown insurance limited - as my last discussion with comfort indicated to me that I only have 180 days EU cover.

Thanks in advance

We are paying £1349 per year including breakdown cover. Unlimited mileage. Limiting mileage made no difference to the quote. Our van is 22 years old Mercedes/Hymer.

You can SORN a vehicle as long as it is not used on the road. That applies to UK or Abroad. Comfort require the vehicle is taxed and MOTed for the insurance to be valid. You cannot SORN a vehicle if it is abroad when the tax runs out. This is Law not an insurance issue. If you take a vehicle out of the UK for more than 12 months you need to inform DVLA and export it. You would then need to be a resident of another country to register it there. Therefore you need to return to the UK for at least for a day each year, get an MOT and continue your travels.

Being on Full Time insurance is slightly different to the holiday version of the policy. The cover full time is 180 days in any country. You don't need to have a UK residence or be on the electoral roll. For the holiday cover you do have to have a UK residence and be on the electoral roll and as you say EU use is limited.

I contacted MHFacts insurance which is also through AVIVa and the Comfort business. They said they would have to start any quote at £1500.

AIB may be able to offer cover. I will be seeking a quote nearer renewal. I have however found Comfort to be very understanding about full timing issues.
 
We are paying £1349 per year including breakdown cover. Unlimited mileage. Limiting mileage made no difference to the quote. Our van is 22 years old Mercedes/Hymer.

You can SORN a vehicle as long as it is not used on the road. That applies to UK or Abroad. Comfort require the vehicle is taxed and MOTed for the insurance to be valid. You cannot SORN a vehicle if it is abroad when the tax runs out. This is Law not an insurance issue. If you take a vehicle out of the UK for more than 12 months you need to inform DVLA and export it. You would then need to be a resident of another country to register it there. Therefore you need to return to the UK for at least for a day each year, get an MOT and continue your travels.

Being on Full Time insurance is slightly different to the holiday version of the policy. The cover full time is 180 days in any country. You don't need to have a UK residence or be on the electoral roll. For the holiday cover you do have to have a UK residence and be on the electoral roll and as you say EU use is limited.

I contacted MHFacts insurance which is also through AVIVa and the Comfort business. They said they would have to start any quote at £1500.

AIB may be able to offer cover. I will be seeking a quote nearer renewal. I have however found Comfort to be very understanding about full timing issues.

Do you pay such a high premium because, as you say, you no longer have bricks and mortar in the UK? My policy allows 365 days in EU countries and some non EU countries and has full breakdown cover. Also covers Morocco but no breakdown cover. Unlimited mileage. My premiums are about a third of yours.
Pat.
 
I dont understand that i have been i Gib before with my motorhome only to the supermarket to get food and diesel could have been because i am Spanish reg but had no problems they did ask where i was going and when i told they said ok that was Dec 2013 :wave:

if you lookup gov info for gib on net it quit clearley states no motorhomes or caravans unless by specal permision,hence loads of em parked at airport spain side on wast ground.
 
Yes Pat we pay a higher premium because the insurers consider living full time in the van a greater risk than someone living in bricks and mortar and storing the van when not in use.

Does your insurance actually cover you for 365 day use? You have 365 days cover, but you have to have a residence so they must expect you to be occupying that some of the time. Are there trip limits?

I would rather know that I am covered full for all eventualities, it is my home after all. It is a requirement that you declare every issue to your insurance. It is no longer that they have to ask you the relevant question.

With Comfort you must have a property with at least 9 months tenancy and be on the electoral roll or you have to pay the Full timing/long terming rate.
 
Beware breakdown cover, does it include you, your belongings and your vehicle returned to your UK address or just a tow to nearest garage for a very expensive repair. The chap that drove the low-loader to bring our van back last year told a few horror stories of people getting seriously ripped off. Luckily our Safeguard insurance was not the cheapest but they looked after us.

Richard
 
Yes, 365 days abroad although I obviously have to come back annually for MOT, service, taxing etc. to be fair it's unlikely we will be away 365 days. This trip will probably last 6 months then home again for a few weeks and then off on the next one. I'm reluctant to get rid of the bricks and mortar. We still feel we need that safety net. And it's the kids inheritance lol.
Breakdown cover includes full repatriation to uk.
Pat.
 

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