It's insurance time again and NRMA, Club 4x4 will not insure if you live in the van.
How does one get around this? I was with CIL but after the 1st year they whacked the premium up and slashed the insured value.
Possum3 said
05:35 PM Oct 3, 2019
It may be best if you contact an Insurance Broker, they can normally roll all your insurances into a single policy and end up saving money.
Bicyclecamper said
08:45 PM Oct 3, 2019
When we first went around Australia, in '83, I had leave with out pay for 12 months, we were living in a tent, six months later we bought an old Baravan, 14 footer, and we just insured as you would for holidays. I did check back then as I told them we were living in it, and the insurance agent, told me to keep that quiet as it would be dearer, which we did. Then in 2005, we had a 1980 Millard, and we travelled for a year, at this time we had a broker, and he said the same thing, he also said their are some things you must tell insurance companies about but, this isn't one of them, otherwise, you will be paying a higher premium, and excess. It is up to you what you want to do. If you can afford to pay more tell them if not, it does not hurt anyone at all.
-- Edited by Bicyclecamper on Thursday 3rd of October 2019 08:46:34 PM
Mez said
10:51 PM Oct 3, 2019
Hi Kevin, we are with NRMA only said that we were touring Australia did not say for how long, insured with no problem , was with CIL and like you the premium just keep going up and up and value of van down, insured with NRMA and value will stay the same . Ill be waiting for the renewal next year and see if the premium is up , may have to shop around again. Cheers
Mike Harding said
04:50 AM Oct 4, 2019
Well now... what do they mean by "living"?
I sold my house and spend a lot of time in my van but I "live" with my son in his house it's just that I take many very extended holidays in my van.
A lot of authorities refuse to accept a mobile caravan as an address where one lives and they have my son's address so, clearly, I don't live in my caravan. They can't have it both ways.
And in any event... I'd like to see them prove it :)
Knightrider said
04:14 PM Oct 4, 2019
I would have thought that this is not a difficult decision. Either you pay the premium & insure with a company that will take on the risk or don't pay a premium and take the risk yourself which is called - "self insure". Not all insurers want the risk, bit like not all Caravan Parks will take pets, not all courier drivers will take 'dangerous goods'. That's life!!!
Snippy said
06:58 AM Oct 5, 2019
Mike Harding wrote:
Well now... what do they mean by "living"?
I sold my house and spend a lot of time in my van but I "live" with my son in his house it's just that I take many very extended holidays in my van.
A lot of authorities refuse to accept a mobile caravan as an address where one lives and they have my son's address so, clearly, I don't live in my caravan. They can't have it both ways.
And in any event... I'd like to see them prove it :)
Good point Mike.
GypsyRose1 said
10:19 PM Oct 20, 2019
Hi folks.Been with APIA for5 years now.Living in the motorhome, and they know it. Had a couple of claims all dealt with happily.
Gypsy
It's insurance time again and NRMA, Club 4x4 will not insure if you live in the van.
How does one get around this? I was with CIL but after the 1st year they whacked the premium up and slashed the insured value.
When we first went around Australia, in '83, I had leave with out pay for 12 months, we were living in a tent, six months later we bought an old Baravan, 14 footer, and we just insured as you would for holidays. I did check back then as I told them we were living in it, and the insurance agent, told me to keep that quiet as it would be dearer, which we did. Then in 2005, we had a 1980 Millard, and we travelled for a year, at this time we had a broker, and he said the same thing, he also said their are some things you must tell insurance companies about but, this isn't one of them, otherwise, you will be paying a higher premium, and excess. It is up to you what you want to do. If you can afford to pay more tell them if not, it does not hurt anyone at all.
-- Edited by Bicyclecamper on Thursday 3rd of October 2019 08:46:34 PM
Hi Kevin, we are with NRMA only said that we were touring Australia did not say for how long, insured with no problem , was with CIL and like you the premium just keep going up and up and value of van down, insured with NRMA and value will stay the same . Ill be waiting for the renewal next year and see if the premium is up , may have to shop around again. Cheers
Well now... what do they mean by "living"?
I sold my house and spend a lot of time in my van but I "live" with my son in his house it's just that I take many very extended holidays in my van.
A lot of authorities refuse to accept a mobile caravan as an address where one lives and they have my son's address so, clearly, I don't live in my caravan. They can't have it both ways.
And in any event... I'd like to see them prove it :)
I would have thought that this is not a difficult decision. Either you pay the premium & insure with a company that will take on the risk or don't pay a premium and take the risk yourself which is called - "self insure". Not all insurers want the risk, bit like not all Caravan Parks will take pets, not all courier drivers will take 'dangerous goods'. That's life!!!
Good point Mike.
Gypsy