Insurance for fulltimers

billy1000

Guest
This is directed to the fulltimers on here. I am trying to organise insurance for a motorhome which I will be living in fulltime. I have tried quite a few different insuance firms but none yet that will give me insurance as a full timer. They say I must have a permanent residence. As I am selling my house and buying a motorhome this is one condition I cannot comply with so I am wondering if there are any other fulltimers on here that have experienced this problem. I could of course give them a relatives address but am trying to do everything by the book so to speak.
 
If I sell my house no one seems to want to insure me as I am fulltiming. Surely there must be somewhere? HELP.
 
billy1000 said:
Finally managed to get a decent quote from NFU Insurance.
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NFU seem to be the insurance company for most circumstances! The amount of time, on different forums I frequent, that a question comes up about insurance and the reply is NFU and a couple of days later the feedback is positive!
 
FAO Billy1000

Hi, what requirements did the insurance company want? Can you use a PO box or a contact address, how does that work from the insurance company point of view, was it a problem selling your home as far as the insurance are concerned? Another details would be useful.

regards
 
PaulC said:
FAO Billy1000

Hi, what requirements did the insurance company want? Can you use a PO box or a contact address, how does that work from the insurance company point of view, was it a problem selling your home as far as the insurance are concerned? Another details would be useful.

regards
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When I told them I would be fulltiming with no fixed address they point blank refused to insure me so the only way around it is to use an accomodation address, (I use my sister's) and stay there every once in a while to keep things above board. All my mail goes there and my licence has her address on to keep things legal. In reality surely you are less likely to get your m/h broken into if you and a large dog are living in it rather than when it is parked up empty beside your house? They don't look at it that way though.:confused:
 
FAO Billy1000,

hi "lost" this thread until now! How has the insurance situation gone, any problems been highlighted? As somebody who is fulltimining (and you seem to be getting about) any reccommendations?
 
PaulC said:
FAO Billy1000,

hi "lost" this thread until now! How has the insurance situation gone, any problems been highlighted? As somebody who is fulltimining (and you seem to be getting about) any reccommendations?
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Hiya. Insurance sorted out with a policy from NFU. What recomendations can I give you? Basically lead your life as you would in a house but with far greater freedom. Obviously make sure you have plenty of food, fuel, water etc, etc. I don't have a plan really. I wake up in the morning and if I feel like moving on then I move but with no idea where I will end up. If I pass a place that looks good I stay there and so it goes on. From time to time I may stay on a camping site just for the company and a break in the routine but generally I stick to my own company and save camping fees. Are you thinking of going fulltiming?
 
billy1000 said:
Hiya. Insurance sorted out with a policy from NFU. What recomendations can I give you? Basically lead your life as you would in a house but with far greater freedom. Obviously make sure you have plenty of food, fuel, water etc, etc. I don't have a plan really. I wake up in the morning and if I feel like moving on then I move but with no idea where I will end up. If I pass a place that looks good I stay there and so it goes on. From time to time I may stay on a camping site just for the company and a break in the routine but generally I stick to my own company and save camping fees. Are you thinking of going fulltiming?
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AH THE LIFE EH.......perfect or what :)
 
Hi Billy1000

Yeah I would like to go fulltiming, in a similar situation as yourself. Got no outfit yet but interested in what sort of premium the insurance companies would want for going full time, any ideas? Everybody is different with regards to insurance risk so ball park figures would be useful.

cheers
 
Billy, What address did you have to supply the NFU to enable them to send out documents and the like?
 
try adrian flux in kings lynn before we moved into the house we used to travell all year on the fair ground we used care of address wich was my mates the ins&road tax never objected in 20years the last 9 in motorhome.
 
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Hi yawl... My first posting on here.

I fulltimed for 20 months, and just never declared i was fulltiming to the insurance company. I used a relatives address for a mailing address, bank accounts etc.
I did know someone that had fulltiming insurance but the cost was £850, and i wasnt prepared to pay that.
 
The Bottom line is that using an accomodation address without the insurance company being fully aware or fulltiming without giving the insurance company accurate and honest details is obtaining insurance by deception.

Legally if it comes to light you are not insured, if you do successfully make a claim its fraud.
 
GeorgeTelford said:
The Bottom line is that using an accomodation address without the insurance company being fully aware or fulltiming without giving the insurance company accurate and honest details is obtaining insurance by deception.

Legally if it comes to light you are not insured, if you do successfully make a claim its fraud.
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do insurance companies actually limit the amount of nights you sleep in your van then?
 
Hi Walkers

Yes they do, they ask what your Home Address is and also where the vehicle will be kept overnight.

To fulltime without telling them you would have to lie in answer to the above questions.
 
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