MHF Insurance awarded Insurance Provider of the Year - Page 7 - Motorhome Forums, Motorhome Discussion, Motorhome Chat

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post #61 of 68 (permalink) Old 13-05-2013, 12:50
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Quote:
Originally Posted by JustRadio
You're asking the wrong person, suggest you contact your own insurers. For my part I'd let them decide!
Sorry, I thought that was the whole point of your query on whether MHF considered the tow car to be a trailer for the purposes of third party cover.

If MHF are not going to cover it for third party risks which they quite clearly say they are not in the policy booklet and confirmed by your phone call to them then the only option is for the car insurer to cover it. Hopefully they will otherwise the combination is not covered for the compulsory RTA insurance requirement.

Seems like a big grey area to me.
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post #62 of 68 (permalink) Old 13-05-2013, 13:04
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As I said last week the car should have it's own cover if it's a road vehicle not on SORN, as you CANNOT have two policies for the same vehicle if it doesn't then it should be considered as a load, not sure what MHF or any insurer might have to say once they realise that the load in question is an uninsured car though, or a bike, that should be an interesting phone call.
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post #63 of 68 (permalink) Old 13-05-2013, 20:25
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Hi, appears I have unintentionally re- opened this can of worms!

I think the lessons I have learnt from the several very useful responses is that I need, in the case of sourcing motorhome insurance, to clearly understand each insurers definition for 'a trailer'. Most appear to exclude "mechanically propelled vehicles". Interestingly, even the CC policy excludes anything that as not been "specially built to be towed"

In terms of renewing our car policy I must specifically ask the question regarding the extent of cover when using an A frame, as I am sure most insurers are assuming that the vehicle is being towed on a purpose built trailer. Even so they are likely to be of the opinion that the car is covered, third party, by the towing motorhome policy.

Lastly I would suggest that if you use the A frame to tow that you revisit your insurance policies to ensure you have the appropriate cover.

John J
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post #64 of 68 (permalink) Old 20-05-2013, 16:36
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Anyone know if MHF insurance covers repairs for a small chip in a windscreen?
cheers
David
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post #65 of 68 (permalink) Old 20-05-2013, 16:49
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Quote:
Originally Posted by dw1
Anyone know if MHF insurance covers repairs for a small chip in a windscreen?
cheers
David
They do:
"Glass
If you are only claiming for loss of or damage to the
glass in your vehicle’s windscreen, sunroof or
windows, or for any scratching of the bodywork
arising solely from the breakage of glass, the
excesses shown above in this section will not apply.
You will, however, have to pay the first £75 of the
cost of glass replacement. This excess for glass:
• overrides any other general excess that would
otherwise apply to glass claims.
• will not apply when the glass is repaired rather
than replaced
Note the maximum payable in any one glass
claim is £3,000"
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post #66 of 68 (permalink) Old 20-05-2013, 19:28
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I have a problem insuring my van, which is due near the end of September. All the companies I contacted offer a quote valid for one month; I am out of the country and cannot get such a quote. On MHF someone kindly advised me to get the quote while overseas, using my laptop. An insurance company informed me this was not valid and I must be in the UK (Why?)
Then I spoke to MHF insurance and they said they will give me a two month quote!
Now I know why they are the best...... Aviva and MHF are great, or will be if it all works out.

Alan
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post #67 of 68 (permalink) Old 22-06-2013, 10:48
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Insurance mileage

Just renewed with MHF seemed better cover than Caravan Guard and marginally cheaper. I insured for an annual mileage of 4000 miles but noticed on the statement that the existing mileage was blank. So I telephoned to update them and the very polite young lady said they use the service history or MOT to calculate the mileage in the event of a claim. My MOT (I do my own servicing) was back in January I explained and I have done a couple of thousand miles since then which in the event of a claim might put me over the 4000 mark. She said it would be worked out on a pro rata basis which I said I think that could result in inaccuracies. So she noted my mileage and away she went I then realised I had not given her my name or policy number so I don't think it will be recorded. I have made a note on my documents but would that suffice in the event of a dispute?

Graham

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post #68 of 68 (permalink) Old 03-08-2013, 02:14
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All hypothetical to me -- they don't do N. Ireland.
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