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Kola's Kab



Member Since: 01 Mar 2013
Location: Lincolnshire
Posts: 192

United Kingdom 2010 Freelander 2 TD4_e XS Manual Lago Grey
Caravan Insurance

Hi,

Now shopping around to insure our first caravan, most quotes within 20-30 of each other......except Towergate (Bakers Direct) which are approx 40% cheaper than anyone else (and offer new for old as standard!)

Often when something seems too good to be true.....it often is! So has anyone had any experiences with Towergate?

BTW Towergate are insurance under-righters, and handled my business insurance through a trade association for many years without issue (including one big claim many years ago!) Kola is the big solid black German Shepherd, Dobbie is.......a breed you've never heard of......yet;)


Last edited by Kola's Kab on 30th May 2013 4:18 pm. Edited 1 time in total

Post #185869 30th May 2013 4:01 pm
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rjc1944



Member Since: 18 Dec 2011
Location: Perranporth, Cornwall
Posts: 783

England 2008 Freelander 2 TD4 HSE Auto Stornoway Grey

We've stuck with the Caravan Club's own "5Cs" policy for years now, as it seems to give us all the aspects of cover we want. Must admit, though, I've not shopped around too much on price. They were very good at handling our one major claim to date a few years back and that does tend to sway me with insurance. If you know that you get what you pay for when it's needed then it's a big plus point for me. We stay with LV= for the four motor vehicles for much the same reason. Ours - 2008 Stornoway Grey HSE Auto
Tricia's - 2006 Royal Blue Beetle Cabriolet Auto
Mine - 2014 Vespa GTS 300 Super Sport Matt Black
Ours - 2007 White Bailey Pageant Champagne

Post #185872 30th May 2013 4:14 pm
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dmck



Member Since: 28 May 2007
Location: Glasgow
Posts: 35

Scotland 2013 Freelander 2 SD4 HSE Auto Ipanema Sand

Hi,
We have used Caravan Guard for a number of years. They have been willing to price match or undercut others at renewal time when I have mentioned leaving to go to an other insurer.

If someone is 40% cheaper I would read the fine print re policy terms compared to the others. MY13 FL2 SD4 HSE Ipanema Sand, 19" LR sparkle alloys , spoiler, rear camera , LR det. Towbar
Gone:
07-13 MY07 FL2 Td4 SE man. Stornoway G, 19" LR triple sport wheels, LR det. Towbar
05-07 05 FL1 Td4 Sport 5dr. Man. Silver
01-05 51 FL1 Td4 GS 3dr. Man. Gold

Post #185879 30th May 2013 5:00 pm
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oldgeezer



Member Since: 09 Apr 2011
Location: Wiltshire
Posts: 1290

United Kingdom 2013 Freelander 2 TD4 GS Manual Baltic Blue

Caravan insurance can be a minefield

Caravan Club insurance is 1st class & when you have a van stolen or written of its normally settled within 6 weeks & one phone call ! and valuations are very good !

Post #185882 30th May 2013 5:14 pm
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hinchy



Member Since: 08 Jan 2009
Location: Stockport
Posts: 772

England 2013 Freelander 2 SD4 HSE Lux Auto Aintree Green

Caravan club is one of the better ones, but check out the new for old, I think it only works for vans that are no more than 4 or 5 years old but they don't tell you that.

Last edited by hinchy on 31st May 2013 6:42 am. Edited 1 time in total

Post #185888 30th May 2013 5:54 pm
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dunkley201



Member Since: 09 Jul 2011
Location: Lincolnshire
Posts: 2718

United Kingdom 2010 Freelander 2 TD4 HSE Auto Stornoway Grey

"Old for New" should be dirt cheap - it's "New for Old" that costs the money! Wink 10MY (Sept 09) TD4 HSE Auto in Stornoway Grey - HEL braided brake lines, LR side steps,"Facelift" front bumper & tail lights. Si4 twin pipe box. 19” Triple Sports with Conti UHPs.

08 FL2 TD4 SE Manual in Rimini Red (Now Gone)

Post #185904 30th May 2013 7:05 pm
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npinks



Member Since: 28 Jun 2007
Location: Ls25
Posts: 20090

United Kingdom 

They offer two levels of insurance, one for older vans and one for newer Thumbs Up Former Mod/Member, with the most post & Chicken George Arch nemesis

Post #185906 30th May 2013 7:14 pm
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ad210358



Member Since: 12 Oct 2008
Location: Here and There
Posts: 7464

England 

Caravan Guard, Yorkshire based, always cheaper than the CC when I've checked and don't mess around at claim time. Our van disappeared in the night a few years back on a New for Old policy, a brand new van was on the drive in ten days, it would have been quicker had we not delayed them.

Don't go near E & L.

http://www.reviewcentre.com/reviews76875.html p****d off with a Digital Keyboard Warrior

Post #185920 30th May 2013 10:01 pm
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hinchy



Member Since: 08 Jan 2009
Location: Stockport
Posts: 772

England 2013 Freelander 2 SD4 HSE Lux Auto Aintree Green

I have to agree with ad210358 on E&L. Used them once never again. Censored

Post #185940 31st May 2013 6:51 am
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Annjeo



Member Since: 28 Apr 2013
Location: Northamptonhire
Posts: 103

England 2013 Freelander 2 SD4 XS Auto Mauritius Blue

Can I just ask a quick qyestion on this subject re the actual cost of insurance (apologies Kola's Kab for hijacking the thread for a moment).

Since getting the Freely and becoming an avid reader of this Forum you folk have tempted me with all your caravanning tales and I am 'toying' with the idea of trying it myself in the future. I am a long way off from buying anything yet, if only because I know the costs don't stop at the van itself.

What would an average insurance be for say a 2-4 berth caravan?

I am a total novice, but would take lessons first before ever going on the road. Joanne

Freelander 1.8 Petrol XEi Jan 1998 - 2004
Freelander 2 (MY13) SD4 Auto XS (Mauritius Blue) - May 2013 onwards

Post #185943 31st May 2013 7:55 am
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npinks



Member Since: 28 Jun 2007
Location: Ls25
Posts: 20090

United Kingdom 

With the caravan club they have other things to factor in

Wheel lock discounts
Tracker discounts
ATC discount (towing stability system)
No claims discount
Where you store it discount
Alarm discount
Caravan club towing lessons discount

The value of the caravan but about 200-300 shouldn't be far off Former Mod/Member, with the most post & Chicken George Arch nemesis

Post #185944 31st May 2013 8:00 am
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Kola's Kab



Member Since: 01 Mar 2013
Location: Lincolnshire
Posts: 192

United Kingdom 2010 Freelander 2 TD4_e XS Manual Lago Grey

Hi,

Interestingly, the CC quote I received (tad over 300, and not new for old), gave no discount for the hitch lock, wheel clamp, or factory fitted alarm! In fact they stated the only security device that attracts a discount is a tracker, and then only if a monitoring subscription is maintained! But they stated that if the caravan was stolen with out the use of the above, the claim would be invalid!

A 20% 'no claims bonus' (this is our first van), was offered as an introductory offer for joining the club, however! Kola is the big solid black German Shepherd, Dobbie is.......a breed you've never heard of......yet;)

Post #185954 31st May 2013 10:16 am
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lack_of_pies



Member Since: 01 Apr 2013
Location: Aberdeenshire
Posts: 108

Scotland 2007 Freelander 2 TD4 XS Manual Stornoway Grey

Caravan and Camping Club have an insurance service at www.clubcareinsurance.com
I used this for my insurance and i'm pretty sure it came in at under 200 for a new 4 berth. Discounts for tracker/locks/storage etc.

LoP

Post #185955 31st May 2013 11:36 am
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Annjeo



Member Since: 28 Apr 2013
Location: Northamptonhire
Posts: 103

England 2013 Freelander 2 SD4 XS Auto Mauritius Blue

Thanks folks that's useful information.

Thumbs Up Joanne

Freelander 1.8 Petrol XEi Jan 1998 - 2004
Freelander 2 (MY13) SD4 Auto XS (Mauritius Blue) - May 2013 onwards

Post #185956 31st May 2013 12:21 pm
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Kola's Kab



Member Since: 01 Mar 2013
Location: Lincolnshire
Posts: 192

United Kingdom 2010 Freelander 2 TD4_e XS Manual Lago Grey

Thanks LoP,

Caravan & Camping Club have just quoted much nearer the 200 than 300! So we will probably go with them, thanks for the link! Kola is the big solid black German Shepherd, Dobbie is.......a breed you've never heard of......yet;)

Post #185960 31st May 2013 2:44 pm
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