Does your MH insurance cover bodily injury? - Motorhome Forums, Motorhome Discussion, Motorhome Chat

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post #1 of 27 (permalink) Old 11-12-2019, 17:44 Thread Starter
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Does your MH insurance cover bodily injury?

... to the driver of the MH in event of an accident?

Mine apparently doesn't (tho he's checking up on that). It covers 3rd party injuries.

I'm shocked. I've never noticed that before and assumed it was comprehensive - and maybe it was when I first took it out in 2008. It certainly doesn't call itself Third Party.

Any comments?

Jean
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post #2 of 27 (permalink) Old 11-12-2019, 17:59
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Not usually for the driver I don't think Jean. There may sometimes be some medical cover though. My oracle tells me this. She was, at one stage in her career, a branch manager for a major UK insurer.

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post #3 of 27 (permalink) Old 11-12-2019, 18:04 Thread Starter
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That's a surprise!

But comprehensive car insurance would cover you, yes?

Jean
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post #4 of 27 (permalink) Old 11-12-2019, 18:10
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No. The driver isn't usually covered under any motor insurance.

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post #5 of 27 (permalink) Old 11-12-2019, 18:25
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This from ‘gocompare’ ........

“We checked 363 comprehensive car insurance policies on Defaqto and found that 95% included personal accident cover as standard, while a further 2% allowed it to be added as an optional extra.”

https://www.gocompare.com/car-insura...-injury-cover/

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post #6 of 27 (permalink) Old 11-12-2019, 18:48 Thread Starter
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Thanks folks.

Jean
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post #7 of 27 (permalink) Old 11-12-2019, 18:52
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Will that personal accident cover be subject to the usual kinds of limits as opposed to the cover your passenger would enjoy I wondered?

I checked and found this "If you buy car insurance that automatically includes personal accident cover, youíll typically get a pay-out of five to ten thousand pounds for a successful claim.

Youíll usually be given the option to increase the payout to, say, fifty thousand or a hundred thousand pounds. This is likely to cost between £15 and £25 for the year."


Here: https://www.moneysupermarket.com/mon...car-insurance/

It pays out if your hurt but it doesn't look as though it's comprehensive to me. Not a lot of cover for example if a young driver was maimed and unable to work.

Brexiters. It's your sh1t now. Whatever happens nationally and internationally you own it. I wish you luck. I think you're going to need all you can get and then some. Friday 13th December 2019.
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post #8 of 27 (permalink) Old 11-12-2019, 19:04
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It IS normal for vehicle insurance to cover personal injury for all occupants EXCEPT the driver. Yes it seems odd, but thatís the way it is.

Andy

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It's who you share the journey with (even if like me, itís in a caravan!)
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post #9 of 27 (permalink) Old 11-12-2019, 19:05 Thread Starter
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Isn't it odd that, at 72yrs of age, I'm only aware of this now?! I thought comprehensive automatically covered injury to occupants of your vehicle.

Jean
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post #10 of 27 (permalink) Old 11-12-2019, 19:07 Thread Starter
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Quote:
Originally Posted by Mrplodd View Post
It IS normal for vehicle insurance to cover personal injury for all occupants EXCEPT the driver. Yes it seems odd, but that’s the way it is.

Andy
So if you were in an at-fault accident Andy and lost your leg, say, there would be no compensation? But if your passenger lost their leg, they would get compensation?

Jean
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