Hi all. Just wondering what everyone does with their Caravan Insurance when they return home after being away from the winter months each year. As we all know insurance is not cheap. I wonder if people cancel the insurance during the time the van is not being used and then start it up again just before they head north again the following year.
Your thoughts?
Eaglemax said
12:14 PM Sep 4, 2019
cjt55 wrote:
Hi all. Just wondering what everyone does with their Caravan Insurance when they return home after being away from the winter months each year. As we all know insurance is not cheap. I wonder if people cancel the insurance during the time the van is not being used and then start it up again just before they head north again the following year.
Your thoughts?
Insurance covers for theft as well or fire. There are heaps of thefts all the time.
Tony
Meredith said
02:04 PM Sep 4, 2019
I wouldn't cancel ours at home. Thefts, fire, hail and storm damage can all occur just as easily when sitting at home, with thefts I would think more are stolen when at home than when away.
the rocket said
02:35 PM Sep 4, 2019
cjt55 wrote:
Hi all. Just wondering what everyone does with their Caravan Insurance when they return home after being away from the winter months each year. As we all know insurance is not cheap. I wonder if people cancel the insurance during the time the van is not being used and then start it up again just before they head north again the following year.
Your thoughts?
Hi cjt55, heres a scenario. Its uninsured in your yard. A huge storm comes over n your van rams the fence or gets ripped apart and these parts fly off and damage someone elses property Or someone. Who gets the bill?
The Travelling Dillberries said
03:51 PM Sep 4, 2019
Hi Col, I am with NRMA, they have many options including a cheaper rate for times you are not using your van. Others do as well. Ring around n see.
Cheers,
Chris.
Bobdown said
04:43 PM Sep 4, 2019
Hi CJT55,
QBE does a lay-up cover, you nominate when your van is not likely to be on the road and you get a reduction in the rate but are covered at home.
I did Dec & Jan, don't travel in school hols etc.
cheers Bob
cjt55 said
08:03 PM Sep 4, 2019
Thanks everyone for your very informative replies. I am with RACV. I will call them when I have a chance. Hopefully they do the same as NRMA and QBE.
-- Edited by cjt55 on Wednesday 4th of September 2019 08:04:08 PM
JayDee said
01:21 PM Sep 5, 2019
Bobdown wrote:
Hi CJT55,
QBE does a lay-up cover, you nominate when your van is not likely to be on the road and you get a reduction in the rate but are covered at home.
I did Dec & Jan, don't travel in school hols etc.
cheers Bob
Our insurance is likewise to Bob.
We are also with QBE and we have a reduced premium for the Months we are not on the road.
Worth a follow up.
jay&Dee
StreetsAhead said
12:01 PM Sep 6, 2019
I have just completed a couple of surveys for RACWA about caravan insurance and they were asking questions about Trips per Year, Distance Traveled, Reduced Premiums when not in use.
The survey today was about Distance Traveled because that had received the most comments.
So RACWA may be looking into Policies based on how much we travel. makes sense to those of us who are not on the road full time.
Steve-Lis said
07:13 PM Sep 7, 2019
How did you go with RACWA?
StreetsAhead said
02:12 PM Sep 8, 2019
I have been with RACWA for the past 2 years, not had to use them, but I wanted both my vehicle and camper insured with the same people. That way if I had a problem I am not getting conflicting messages from two different insurers. My requirements were if I had a problem with my vehicle and it had to be towed they would also pick up my camper and not leave it by the side of the road. So I have breakdown with the RACWA and Insurance for vehicle and camper with RACWA so I should be looked after. Well that's the theory. !!
hako said
10:42 AM Sep 9, 2019
the rocket wrote:
SNIP
Hi cjt55, heres a scenario. Its uninsured in your yard. A huge storm comes over n your van rams the fence or gets ripped apart and these parts fly off and damage someone elses property Or someone. Who gets the bill?
We recently had a 60ft pine tree fall from a neighbours yard into ours during a savage storm. Damage from any storm is considered "an act of god" which meant that we were responsible for the 50ft of the tree on our side of the fence - cost our insurance almost $5000 to remove and repair fence etc. Not very neighbourly but at least our neighbour paid our excess. Would be the same if a van ripped apart and caused damage over the fence.
Regards
blaze said
10:54 AM Sep 9, 2019
StreetsAhead wrote:
I have been with RACWA for the past 2 years, not had to use them, but I wanted both my vehicle and camper insured with the same people. That way if I had a problem I am not getting conflicting messages from two different insurers. My requirements were if I had a problem with my vehicle and it had to be towed they would also pick up my camper and not leave it by the side of the road. So I have breakdown with the RACWA and Insurance for vehicle and camper with RACWA so I should be looked after. Well that's the theory. !!
we had top cover with RACWA, blew an engine in port hedland and cost me $2000 to tow the van to broome behind the same truck that carried the vehicle for free
Hi all. Just wondering what everyone does with their Caravan Insurance when they return home after being away from the winter months each year. As we all know insurance is not cheap. I wonder if people cancel the insurance during the time the van is not being used and then start it up again just before they head north again the following year.
Your thoughts?
Insurance covers for theft as well or fire. There are heaps of thefts all the time.
Tony
Hi all. Just wondering what everyone does with their Caravan Insurance when they return home after being away from the winter months each year. As we all know insurance is not cheap. I wonder if people cancel the insurance during the time the van is not being used and then start it up again just before they head north again the following year.
Your thoughts?
Hi cjt55, heres a scenario. Its uninsured in your yard. A huge storm comes over n your van rams the fence or gets ripped apart and these parts fly off and damage someone elses property Or someone. Who gets the bill?
Hi Col, I am with NRMA, they have many options including a cheaper rate for times you are not using your van. Others do as well. Ring around n see.
Cheers,
Chris.
QBE does a lay-up cover, you nominate when your van is not likely to be on the road and you get a reduction in the rate but are covered at home.
I did Dec & Jan, don't travel in school hols etc.
cheers Bob
Thanks everyone for your very informative replies. I am with RACV. I will call them when I have a chance. Hopefully they do the same as NRMA and QBE.
-- Edited by cjt55 on Wednesday 4th of September 2019 08:04:08 PM
Our insurance is likewise to Bob.
We are also with QBE and we have a reduced premium for the Months we are not on the road.
Worth a follow up.
jay&Dee
The survey today was about Distance Traveled because that had received the most comments.
So RACWA may be looking into Policies based on how much we travel. makes sense to those of us who are not on the road full time.
How did you go with RACWA?
We recently had a 60ft pine tree fall from a neighbours yard into ours during a savage storm. Damage from any storm is considered "an act of god" which meant that we were responsible for the 50ft of the tree on our side of the fence - cost our insurance almost $5000 to remove and repair fence etc. Not very neighbourly but at least our neighbour paid our excess. Would be the same if a van ripped apart and caused damage over the fence.
Regards
we had top cover with RACWA, blew an engine in port hedland and cost me $2000 to tow the van to broome behind the same truck that carried the vehicle for free
cheers
blaze