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post #1 of 21 (permalink) Old 25-06-2019, 18:42 Thread Starter
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Insurance possibly being cancelled

Hi.
Bought a motorhome on June 6th and promptly insured it before I collected it.
I was informed on the phone when setting up the insurance that within 28 days they required proof of mileage and copy of MOT certificate along with a copy of the new V5 showing my details.
Although I thought it strange,I proceeded with the set up.
I duly sent details of mileage and MOT copy along with a note explaining that I would send copy of V5 when it arrives.
I received a phone call today from insurers saying I had about 1 more week to supply V5 copy or they would cancel my motorhome insurance.
I immediately contacted the seller of the motorhome only to find out that he only sent it away to DVLA last Friday.(3 weeks since I bought it from him)
A few choice words were said and im now waiting patiently every day for the postman to arrive with good news.
Its possible im going to have to look for a different insurance company in about a weeks time.
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post #2 of 21 (permalink) Old 25-06-2019, 18:58
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I'm not sure if it was possible but I make copies of EVERYTHING before sending off. It would have been OK to ask for a copy of the V5 when you agreed to buy.

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post #3 of 21 (permalink) Old 25-06-2019, 19:14
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Quote:
Originally Posted by BristolRoversfc View Post
Hi.
Bought a motorhome on June 6th and promptly insured it before I collected it.
I was informed on the phone when setting up the insurance that within 28 days they required proof of mileage and copy of MOT certificate along with a copy of the new V5 showing my details.
Although I thought it strange,I proceeded with the set up.
I duly sent details of mileage and MOT copy along with a note explaining that I would send copy of V5 when it arrives.
I received a phone call today from insurers saying I had about 1 more week to supply V5 copy or they would cancel my motorhome insurance.
I immediately contacted the seller of the motorhome only to find out that he only sent it away to DVLA last Friday.(3 weeks since I bought it from him)
A few choice words were said and im now waiting patiently every day for the postman to arrive with good news.
Its possible im going to have to look for a different insurance company in about a weeks time.
It's not good to have insurance cancelled by the insurer. It may have a serious effect on future insurance proposals. You've probably noticed that they ask whether you've ever been declined or had insurance cancelled on proposal forms.

It's unfortunate that you are in the position you're in. In your place I'd be asking the company very nicely to consider giving you a little more time. They can cancel if you breach their conditions, who's fault it is that you breached unfortunately is not relevant. I'd ask very nicely for a bit longer while very politely explaining what went wrong. That'll be a lot easier than having to tell new companies why it was cancelled.
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post #4 of 21 (permalink) Old 25-06-2019, 20:33
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It might be worth ringing the DVLA, I've done it in the past when my Husband's licence hadn't been returned in time for our tip abroad and picking up a hire car, they tracked the licence down internally, pushed it through the system and I was able to go and collect it the same day (only 10 miles away for me). They get lots of stick but I've only ever found them helpful, I used to work there too so might be a bit biased

Before you criticise someone walk a mile in their shoes, that way you are a mile away and have their shoes too
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post #5 of 21 (permalink) Old 25-06-2019, 20:52 Thread Starter
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Thanks for replies.
I think if I had taken a copy of V5 when I purchased motorhome,it wouldnt have had my details on it which is what insurance company want.
Good idea about asking insurance company for more time.
Also to contact DVLA.At least they may be able to tell me if they have actually received the V5 from previous owner.
Thank you
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post #6 of 21 (permalink) Old 25-06-2019, 21:10
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In all the years I have had insurances for cars, motorbikes and motorhomes, not once have I ever been asked for a copy of the V5 or MOT for the insurance.

Mileage on limited policies - yes, but the other docs? No.

Why is your insurer asking you to produce these?
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post #7 of 21 (permalink) Old 25-06-2019, 21:50 Thread Starter
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Carl_n_Flo.
I really dont know.
I do remember agreeing with the gentleman to send relevant copies to them though.
I feel like im going to be punished through no fault of my own.
Also as posted here earlier.....probably affect me when I apply for other insurance like car...bike....home etc..
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post #8 of 21 (permalink) Old 25-06-2019, 22:27
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I think, in your shoes, I would cancel the insurance with your current provider before they cancel it for you, and look around for another.

If you cancel, then there is no comeback on you in the future.
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post #9 of 21 (permalink) Old 25-06-2019, 22:48 Thread Starter
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I do agree with you but after its come out of the workshop for a minor repair(should be a couple of days)im going to advertise it straight away and then cancel it once its gone.
Im not really sure what to do.
I think maybe my best bet is....in a few days time,plead with the insurers to maybe give me another week or so,(hoping by then I will have the V5 back).and once its gone....cancel
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post #10 of 21 (permalink) Old 25-06-2019, 22:57
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Maybe I'm misunderstanding the train of events here but you bought the motorhome on 6 June, it's now having some repairs done and then you are going to advertise it for sale?

I've never been asked for proof of ownership - maybe the insurers have wind of what you're doing? Maybe they think you are a dealer? Are you?

Peter
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