Problems getting van insurance for mid life gap year - Page 2 - Motorhome Forums, Motorhome Discussion, Motorhome Chat

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post #11 of 18 (permalink) Old 01-03-2018, 12:41
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With all the devious people looking at ways to fool the insurance companys i am not surprised why they are changing their conditions.
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post #12 of 18 (permalink) Old 01-03-2018, 13:07 Thread Starter
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Just got off phone from an Insurance brokering company called Staverley Head and they will insure us for a year in Europe, they don't care that our van is mature and not worth 25k (or even half of that), they don't care that we will be renting our house and the price is £360.69 with breakdown cover for £87.99. And if I want to transfer my maximum NCB from my car (which we will be selling when we travel), the premium comes down to £301.55.

https://www.staveleyhead.co.uk/perso...8aAvB_EALw_wcB

Will still give AIB a call Peter to see if they have similar restrictions to Comfort.
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post #13 of 18 (permalink) Old 01-03-2018, 13:17
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Originally Posted by Hector's House View Post
Just got off phone from an Insurance brokering company called Staverley Head and they will insure us for a year in Europe, they don't care that our van is mature and not worth 25k (or even half of that), they don't care that we will be renting our house and the price is £360.69 with breakdown cover for £87.99. And if I want to transfer my maximum NCB from my car (which we will be selling when we travel), the premium comes down to £301.55.

https://www.staveleyhead.co.uk/perso...8aAvB_EALw_wcB

Will still give AIB a call Peter to see if they have similar restrictions to Comfort.
Sounds like a solution

Couple of questions:-

Who are the Underwriters?

No single trip limit, as with others that will do 365 day Europe cover?

Will they accept your rented house as your address?

Geoff
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post #14 of 18 (permalink) Old 01-03-2018, 15:09
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That sounds like a cracking price too.

Graham

I like to use big words which I don't really understand so it makes me look more photosynthesis!


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post #15 of 18 (permalink) Old 01-03-2018, 16:20 Thread Starter
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Originally Posted by nicholsong View Post
Sounds like a solution

Couple of questions:-

Who are the Underwriters?

No single trip limit, as with others that will do 365 day Europe cover?

Will they accept your rented house as your address?

Geoff
I think their standard trip abroad is 180 days but there is an option for 180 days plus which takes you up to 365 days.

The Underwriters are a Danish Company that specialise in Recreational vehicles "This insurance contract is underwritten by Gefion Insurance A/S, managed on our behalf by Staveley Head Limited.
Gefion Insurance A/S, Østergade 10, 1100 Copenhagen K, Denmark

Gefion Insurance A/S is an EU insurer, authorised and regulated by the Finanstilsynet (Danish FSA). Danish FSA register number 53117. CBR (Central Business Register) 36016493
Staveley Head Limited is authorised and regulated by the Financial Conduct Authority (FCA). You can access the Financial Conduct Register from the Financial Conduct Authority (FCA) website www.fca.org.uk or by calling the FCA on 0800 111
6768. Financial Services Register number 310600.

Looks like it would be a different story if I intended to sell my house and travel indefinitely, but as long as my trip abroad is temporary, its fine.
Optional extension
If you have opted to extend cover to include foreign use and your schedule notes foreign use as operative, cover will be provided at the level shown in your schedule for the period
specified in your schedule. Provided that:
1. Your motorhome is taxed and registered in the UK
2. Your main permanent home must be in the UK and your visit abroad is only temporary
3. The declared annual mileage of the insured motorhome as stated in the statement of fact is not exceeded.

I did get another quote from a company called A plan.co.uk and it came out exactly the same, although they told me that their policy was underwritten by a company called Policy Plan which was a company in Norway. I think A plan & Staveley Head are a division of the same company.
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post #16 of 18 (permalink) Old 01-03-2018, 16:25 Thread Starter
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Originally Posted by chasper View Post
With all the devious people looking at ways to fool the insurance companys i am not surprised why they are changing their conditions.
Other people have said that they used Comfort previously and they didn't have these rules then, so they didn't need to "fool the insurance companies" I just don't see why it is any of their business if we rent out our house - we still own it. It would seem that if you rent out your home then you can't use that address for documents, driving licences etc even if you have post forwarded.
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post #17 of 18 (permalink) Old 01-03-2018, 16:50
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Thank you for a very detailed reply to my questions.

I presume the 180 day extension might attract an additional premium, but at the rate they have quoted that should be bearable.

Well done.

Geoff
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post #18 of 18 (permalink) Old 01-03-2018, 17:56
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I'd certainly check out early the cost of extending by 180 days - I've a feeling it might be quite expensive.

Jean
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