I could be wrong, but in Western Australia, I think that it is cheaper rego for a recreation vehicle, than a normal vehicle of the same size

There was a post on insurance about six months ago but I can not find it

It pays to shop around, as prices may depend on what you are covered for, and the no claim bonus percent they give

Set out below is what I posted after research for my motorhome insurance, as my normal insurer RAC in WA, for whatever reasons, do not insure a motorhome

Motorhome Insurance June 2016, I must be on the highest no claim bonus, as it is about 50 years, since my only claim, for hitting a Kangaroo

Make   Model     Body        Year  Colour Tare   Aggr  GCM
FIAT   DUCATO  MOBCVN    2006  WH    3280  3850  5500

	Premium cost	Windscreen	Hire car after Theft	Hire car after Accident	Bring us home	Tow to repair after accident	Accommodation While waiting for repair	Tow after mechanical breakdown	Basic excess	Agreed value
SGIO	$691.26	Yes	Yes	Not offered	Not offered	Yes	Not offered	Not offered	$550	$48,600
KEN TAME (CMCA)	$712.50 plus CMCA $65	Yes if CMCA $100 Excess	Yes	Yes	Yes theft accident or medical	Yes	Yes	Yes $600 & $1,000 Year	$200	$60,000
CIL	$794.44	Yes	Yes	Yes	Yes theft accident or medical	Yes	Yes	Yes up to $1.000	$200	$60,000
APIA	$1,055.55	Yes	Yes	Yes	Medical Excess?	Yes	Yes	Yes up to $1.000	$500	$60,000

I am not pushing or knocking any insurance company, I only asked for quotes from who I thought were reputable insurers, I am sure there are many more out there

Some private medical funds will insure a recreation vehicle, mine does not, so I did not go down that track for quotes

Adding to the above KEN TAME (CMCA), if I had read the quote paperwork correctly, do not cover when a none member of CMCA is driving

Hope that this info is useful to you

 

Anyone out there actually use Apia? I have had a couple of quotes before from them and they were way off the mark........needless to say they didnt get my business.....and hence I wonder who would use them........or do they just prey on the elderly.

Bushpie wrote:

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Anyone out there actually use Apia? I have had a couple of quotes before from them and they were way off the mark........needless to say they didnt get my business.....and hence I wonder who would use them........or do they just prey on the elderly.

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 We use APIA for all our insurance. Quite happy and a van claim was easy as. 

Aussie Paul. 

RACQ and QBE.

Not cheapest but instant payouts if you not stupid with claims.

Be careful if insuring as a van.
Vans are CARRIERS.

the interior fitments MAY NOT be covered...

Double check first. Could end up expensive exercise otherwise.

I just wish that I could have found the original post, Peter

Just in case Ken Tame had altered their policy, since last June, I have just been on their website

I am quoting from the web page below

https://www.kentame.com.au/images/pdf/RV_PDS.pdf

Page 29 of Policy Document and Product Disclosure Statement

Quote
We do not cover you if, at the time of any loss, damage or event giving rise to liability, costs or expenses, the vehicle (including replacement vehicle or substitute vehicle) was:

1. Unlicensed driver being driven by any person, including you, who was not licensed to drive the vehicle. We will not refuse your claim if you can prove that you did not know the driver was unlicensed.

2. Driver under the influence being driven by you, or any other person:

a. under the influence of any drug or intoxicating alcohol; or

b. who, as a result of the accident, is convicted of driving under the influence of intoxicating liquor; or

c. who had a percentage of alcohol in their breath or blood in excess of the percentage permitted by law in the State or Territory where the accident occurred;

or

d. who refused to submit to any test to determine the level of alcohol or drugs in the blood when reasonably requested by the police.

We will not refuse your claim if you can satisfy us you had no reason to suspect that the driver was affected by alcohol or any drug.

3. Use by a Non Member of CMCA being driven by you, or any other person:

a. where you are no longer a current financial member of CMCA, or

b. where the vehicle is loaned to a non financial member of CMCA.

We will not however refuse a claim for theft of or accidental physical loss or physical damage to the vehicle, caravan or trailer, towing costs as a result of an accident, general average costs during sea transportation, windscreen or window breakage and legal liability for property damage only where a. and b. above apply.
Unquote

Perhaps their right hand, does not know what the left hand is doing
I read clause 3, 3a, and 3b, to mean that if I was a member of CMCA, and had Ken Tame insurance, drove from Perth to Brisbane, and then asked my son in law (non member), to fly out and drive my vehicle home, as I had decided to fly/train/boat home, the motorhome would not be insured?

That is my opinion

 

Tony re
(3. Use by a Non Member of CMCA being driven by you, or any other person:

a. where you are no longer a current financial member of CMCA, or

b. where the vehicle is loaned to a non financial member of CMCA.

We will not however refuse a claim for theft of or accidental physical loss or physical damage to the vehicle, caravan or trailer, towing costs as a result of an accident, general average costs during sea transportation, windscreen or window breakage and legal liability for property damage only where a. and b. above apply.)
Unquote

Perhaps their right hand, does not know what the left hand is doing
I read clause 3, 3a, and 3b, to mean that if I was a member of CMCA, and had Ken Tame insurance, drove from Perth to Brisbane, and then asked my son in law (non member), to fly out and drive my vehicle home, as I had decided to fly/train/boat home, the motorhome would not be insured?

I am covered by KTI insurance and I spoke to I understand the 2IC of KTI as their CEO was out of the office, re my son a non CMCA member driving our insured vehicle in a similar situation to the one you describe above, and I was assured that the vehicle/other vehicle/legal etc etc would be covered as I mentioned above but the CMCA addon benefits would not be available to my son. I think that the wording in the PDS/Web could be better but that's just my thoughts.

Peter