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Post Info TOPIC: Caravan Insurance
Harmonix


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Caravan Insurance
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I have been wanting an insurance policy to cover my caravan on a month to month basis, so that when I am not on the road, I am not paying the premium.  Allianz Insurance have started doing this and there is a 7% surcharge on the monthly premium but there is no penalty for stopping or postponing.  If you are like me and only on the road for 2 or 3 months of each year then there are big savings. They also had the cheapest premium of the five companies I contacted. 



-- Edited by Harmonix on Monday 2nd of March 2015 03:40:57 PM

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Peter_n_Margaret


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And what happens if it is burnt down, stolen or vandalised while it is at home?

Cheers,
Peter



-- Edited by Peter_n_Margaret on Tuesday 3rd of March 2015 08:17:18 PM

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OKA196, 4x4 'C' Class, DIY, self contained motorhome. 960W of solar, 400Ah of AGMs, 310L water, 280L fuel. https://www.oka4wd.com/forum/members-vehicles-public/569-oka196-xt-motorhome
 

 
wasn_me


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I've had 2 vans damaged by hail, three years apart, while at home. one $4000 damage, one $9000 damage. The insurance raised my excess from $500 to $800 because both lots of damage occurred at the same address. Minor penalty considering, they've paid out $13000.

No way would I have it uninsured.

Cheers Pete 



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Harmonix


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Each to their own, I have never had life insurance either, have you.

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Baz421


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Harmonix

 

You would need to read the FINE print very carefully IMHO.

 

I'm rebuilding fences in SA after the bushfires. Many have insurance issues, some looked very attractive when purchased, BUT not so attractive when making a claim.

 

Caveat emptor - look it up,,,, very appropriate in this case.

 

Good luck.

 

 

 



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Peter_n_Margaret


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Not having insurance is a legitimate choice, if you are prepared to cop the cost loosing the van.
We have a car that only has 3rd party property and we don't insure cameras, lap tops etc when we travel.
We save a lot of premiums and take it on the chin if something goes pear shaped.

My advise is insure what you can not afford to loose.
If you can afford to loose it, don't add to the insurance company profits. Just don't expect sympathy afterwards.

Re life insurance, if others rely on you for their financial well being (your kids and wife, for example) then you have an obligation to protect them in the case of your death and insurance is one way to do that, but there are others.

Cheers,
Peter

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OKA196, 4x4 'C' Class, DIY, self contained motorhome. 960W of solar, 400Ah of AGMs, 310L water, 280L fuel. https://www.oka4wd.com/forum/members-vehicles-public/569-oka196-xt-motorhome
 

 
Harmonix


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Well said Peter

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