Full time insurance

[pipncaza]

Hello,
So house on market now hoping to be off soon and can't find a insurance for full timing in our k reg hymer !! Please please please help

 

[pughed2]

Ft insurance

Look, your insurance company is going to argue the toss when things go wrong anyway, so get youtself a correspondence address, tell them it's where you live, and carry on regardless.......anon for now.

 

[Trish1997]

Comfort is the only one to offer full time insurance, expensive but if you lie about living somewhere they will find out and I don't fancy losing all that money I paid for my home.

 

[iampatman]

You'd do well to search through previous threads on here where this has been discussed before, there's quite a lot of good information. From memory I think Comfort are the people most full timers use. But the previous response is probably the best suggestion. Use a relative's address.

Pat

 

[Robmac]

There are some useful references in the following thread;

http://www.wildcamping.co.uk/forums...-insurance.html?highlight=full+time+insurance

 

[FULL TIMER]

Afraid there isn't to much choice when it comes to full timers insurance, there are a couple of companies that do it Comfort being the most well known, however I believe they all use Aviva. I have heard that they are now saying they won't insure vehicles over 10 years old on new customers so that's going to stump a few at some point and obviously no good for you, seems they (insurance companies) are leaving people no choice but to be a bit economical with the truth which seems to be the only choice left. This problem is something that needs taking up with the authorities and or the insurance trade associations if there is such a thing or even local MP's .

 

[jagmanx]

Maybe use "Boatmail"

Afraid there isn't to much choice when it comes to full timers insurance, there are a couple of companies that do it Comfort being the most well known, however I believe they all use Aviva. I have heard that they are now saying they won't insure vehicles over 10 years old on new customers so that's going to stump a few at some point and obviously no good for you, seems they (insurance companies) are leaving people no choice but to be a bit economical with the truth which seems to be the only choice left. This problem is something that needs taking up with the authorities and or the insurance trade associations if there is such a thing or even local MP's .

As a correspondence address for
Insurance
Dvla
Bank
Driving licence.

More reliable than a friend or relative.

Inexpensive and good forwarding via email.
Also will send to Poste Restante in Uk
Or a campsite (provided you are there long enough)

I am in my 2nd year with them.

 

[FULL TIMER]

I have heard of them, many over on ukhippy use the service, but is it really any different to using a relatives or friends address as your own in the eyes of the insurance companies as they all seem to want YOUR residential address and often state that in the case of a claim etc they will want to check on household bills etc some now even require you to be on the electoral roll.

 

[badgerdid]

Im confused, why must you have full timer insurance? dont you just insure the camper as normal? do they ask how many weeks you camp in it? i havnt been told i can only camp for x amount of days/weeks etc

 

[KuyaAndAte]

Im confused, why must you have full timer insurance? dont you just insure the camper as normal? do they ask how many weeks you camp in it? i havnt been told i can only camp for x amount of days/weeks etc

Several state in their policies that the MH can only be used for a maximum of X days per year, or that it can only be out of the UK for Y days a year. Neither is any good for full timers or those that are in Europe for a lot of the year.

Safeguard 365 is an excellent policy that allows you to 'tour' for 365 days a year, which includes Europe. They do not allow you to live on a pitch, you have to be touring (no more than a few weeks on one place) and not 'living' in the van at a fixed location. They do need an address where you 'permanently live', so drop-box type addresses may not be suitable. They are a little bit pricey, but you get what you pay for!

Comfort and MotorhomeFacts (sorry ) also do 'full time' insurance.

 

[FULL TIMER]

Im confused, why must you have full timer insurance? dont you just insure the camper as normal? do they ask how many weeks you camp in it? i havnt been told i can only camp for x amount of days/weeks etc

Basically if you have no residential address you "need" full timer insurance it's not really anything to do with how much you use the vehicle seems to me they are not capable of working out a risk factor without a postcode , a bit of a stupid state of affairs when there are thousands of people living in vehicles full time mainly relying on having to be economical with the truth just to try and get legal .

 

[iampatman]

Several state in their policies that the MH can only be used for a maximum of X days per year, or that it can only be out of the UK for Y days a year. Neither is any good for full timers or those that are in Europe for a lot of the year.

Safeguard 365 is an excellent policy that allows you to 'tour' for 365 days a year, which includes Europe. They do not allow you to live on a pitch, you have to be touring (no more than a few weeks on one place) and not 'living' in the van at a fixed location. They do need an address where you 'permanently live', so drop-box type addresses may not be suitable. They are a little bit pricey, but you get what you pay for!

Comfort and MotorhomeFacts (sorry ) also do 'full time' insurance.

My policy is with Safeguard, although it is not called "Safeguard 365". My policy covers me for 365 days in EU countries (and some others for limited period with a green card). This is fully comp, not just 3rd party. At the moment we still have a UK address but this summer when we get back to the UK we intend to rent the house and "change" our address to either our daughter's or my sister-in-laws. At the moment I can't see a problem with this arrangement as far as the insurance company is concerned. After all, I'm just changing my address.
Pat

 

[KuyaAndAte]

My policy is with Safeguard, although it is not called "Safeguard 365". My policy covers me for 365 days in EU countries (and some others for limited period with a green card). This is fully comp, not just 3rd party. At the moment we still have a UK address but this summer when we get back to the UK we intend to rent the house and "change" our address to either our daughter's or my sister-in-laws. At the moment I can't see a problem with this arrangement as far as the insurance company is concerned. After all, I'm just changing my address.
Pat

That sounds like the policy - it is commonly known as Safeguard 365 by many. As long as you tell them that you officially 'live' at your relatives family but will be touring for the whole year then I was assured by Safeguard there is no problem.

 

[barryd]

Yes I am with Safeguard 365 as well. Have been for 8 years. I dont full time but do long stints of up to six months and Ive not found anything in the policy that seems to stipulate any restrictions apart from having a postal address of course. I dont think its expensive either. About £315 per year fully comp including AA breakdown.

Probably not strictly "full timers" insurance but as near as your going to get for normal insurance money I guess.

 

[vwalan]

all insurance took out in an eu country covers minimum cover in all eu and some other countries for the full term of the policey.
some cover lots of countries around the Mediterranean some not as many .

 

[Deleted member 775]

You'd do well to search through previous threads on here where this has been discussed before, there's quite a lot of good information. From memory I think Comfort are the people most full timers use. But the previous response is probably the best suggestion. Use a relative's address.

Pat

i am going back to when we lived in our van ,ok its a few years ago but i was insured with my van through comfort and when we left our home i explaned to them we would be living in our van ,but was using my daughters adress for the vans registration ,my driving licence ,and other legal requirements .they were fine as long as we resided there now and again the only change in premium was for a change of location in the country .basicaly they said we was allowed to be away i belive 3 months or so from the adress and as comfort said that as nobody could realy prove when we stayed at that adress or how long we were there then they dident see any problems . thats ok if you only live or tour the uk and dont spend most of the year abroard ,but we lived in our van in the uk for nigh on two years and had no problems . insurance nowadays is very hard to actualy stay fully legal with and to the letter of the policy and many cars and vans out there fall foul , for instance they ask if the car/van is modified at all ,now many would think of a chipped up engine producing far more power than the manifacturer intended things on that line but no even a k&n air filter ,a different exhaust or non standard factory fitted wheels ie fancy alloys could void your insurance if you dont tell them .according to form from my insurer if i fit alloys on my car that was fitted with steel rims origanaly i am modifying my car ,if i was to change the suspension from standard that is the same classed as a mod .my insurer this year asked if the car had been modified or altered from the original spec ,i dont realy know the car has had 6 owners and is 14 years old so i say not to my knowledge thats all you can do and hope for the best realy .

 

[jacquigem]

I think the ombudsman has also ruled that for an insurer to turn down a claim the "non disclosure" must be material to the risk. That means that if they believe they have been given the wrong garaging risk they can only dispute claims that occur whilst the vehicle is"garaged" So if you take all reasonable precautions to garage safely I think it will be difficult for them to decline.

 

[Deleted member 967]

We have just gone from Full Timing Insurance with Comfort to normal cover at the end of May. As a result our premium, without any other changes, has gone down by £1000 per year to £373. Driver age 73.

Having no UK residence, Comfort use their office address in Dagenham as a basis for the premium. Ne were from and have returned to County Durham.

Being economical with the truth can save you money but could also result in a claim being refused.

When you take out, make changes to, and renew your policy.
Please tell Comfort Insurance immediately to let us know if there are any changes to the information set out
in the certificate of motor insurance or on your policy schedule. You must also tell Comfort Insurance
immediately to let us know about the following changes:
● A change to the people insured, or to be insured.
● Motoring convictions (driving licence endorsements, fixed penalties or pending prosecutions for any
motoring offences) for any of the people insured, or to be insured.
● Criminal convictions for any of the people insured, or to be insured.
● A change of vehicle.
● Any vehicle modifications.
● Any change affecting ownership of the vehicle.
● Any change in the way that the vehicle is used.
If you are in any doubt, please contact Comfort Insurance.
When we are notified of a change, we will tell Comfort Insurance if this affects your policy, for example
whether we are able to accept the change and if so, whether the change will result in revised terms and/or
premium being applied to your policy.

If the information provided by you is not complete and accurate:
● we may cancel your policy and refuse to pay any claim, or
● we may not pay any claim in full, or
● we may revise the premium and/or change the compulsory excess, or
● the extent of the cover may be affected.

Each renewal invitation is offered using the information we have at the time it was issued. We may revise or
withdraw it if, before the date your renewal takes effect, any event occurs that gives rise to a claim, even if we
are notified after your renewal date.

Long term Touring and Full Timing
Use of your motor caravan for nine months or more (whether as a single trip or a series of trips) in any one
year will be treated (and rated) as long-term touring. If, in addition, you sell or let your UK property you will
be treated (and rated) as full-timing.

Policyholders must maintain a full UK residence, either through ownership or long term rental agreement (of at least 9 months) unless a full-timing rate has been agreed and paid.
The address shown on the policy schedule must be the one at which the policyholder is on the electoral roll, (unless a full-timing rate has been agreed and paid) and also the one that appears on the driving licence and vehicle documentation.
Your motor caravan must at all times have a valid MOT certificate (unless not required due to age of the vehicle) and current UK Road Fund Licence.

Should a copy of a utility bill (as evidence of residence at the address) be requested at any time (inception, mid-term, renewal, in the event of a claim) then one must be provided.

I had to produce a tenancy agreement and a letter from the Local Electoral Registration people that we would be registered at our new address. instead of a utility bill. We were already on the electoral roll with a connection to our last residential address as "Living on a boat or other movable dwelling".

Make sure that your insurance company give you any information in writing as they do not accept staff opinions as part of the contract.

 

[pipncaza]

Comfort is the only one to offer full time insurance, expensive but if you lie about living somewhere they will find out and I don't fancy losing all that money I paid for my home.

I agree but will not cover this age vehicle