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Post Info TOPIC: insurance on a new motorhome
gdayjr


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insurance on a new motorhome
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Good afternoon.

I am still doing the reasearch on the new Mobile home.

I am leaning towards a new Jayco motorhome at this stage, and i am trying to guestimate the potential future on road costs.

What are the best options that you guys are using for a comprehensive insurance policy?

I have the rego, and on road costs sorted, but insurance can vary a fair bit.

I do not own a car, only a bike, but i do still have a rating one discount.

Which companies are the most popular?

 

Many thanks



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Graham Day.

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Peter_n_Margaret


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gdayjr wrote:

Which companies are the most popular?

 

 I would not choose on the basis of "popularity". 

You need to contact them and get a copy of the terms and conditions.

I am using Ken Tame who is a specialist motorhome insurer. You need to be a member of the CMCA. There are others as well.

Premium will depend largely on the value of the motorhome and where you live. Dollar for dollar motorhomes are generally cheaper to insure than caravans.

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
 

 
jade46


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CIL for me About $1300 for $135000 cover. This also gives a breakdown towing for about 250k Not a lot but better than nothing Avida club offers insurance and it doesn't have to be a Avida MH but you need to join club


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gdayjr


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jade46 wrote:

CIL for me About $1300 for $135000 cover. This also gives a breakdown towing for about 250k Not a lot but better than nothing Avida club offers insurance and it doesn't have to be a Avida MH but you need to join club

 That figure is what i put in the spread sheet, so i wasn't too far off.

The motorhome is priced at around 200K so i guess it will vary a bit.



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Peter_n_Margaret


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Then you can expect to pay around $2,000pa, maybe a bit more, I reckon.
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
 

 
bgt


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It's not what you will pay but what they will pay. Not all policies are the same.

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Peter_n_Margaret


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bgt wrote:

It's not what you will pay but what they will pay. Not all policies are the same.

 True.

In 2018-2019 I had a $90,000 claim when the OKA rolled own a steep hill with no one in it. I am still insured with the same company.

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
 

 
jade46


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gdayjr wrote:
jade46 wrote:

CIL for me About $1300 for $135000 cover. This also gives a breakdown towing for about 250k Not a lot but better than nothing Avida club offers insurance and it doesn't have to be a Avida MH but you need to join club

 That figure is what i put in the spread sheet, so i wasn't too far off.

The motorhome is priced at around 200K so i guess it will vary a bit.

 They do demand a fair amount of security. The MH should be in a lockup shed or behind locked gates. If not they want security alarm and GPS tracker installed. Most companies are going this way now as caravan and MH theft increases



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gdayjr


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There will be no garage, i will be living in it full time.

GPS tracker is not a problem, i have one on my bike already.

I must check with Jayco, and see if a 200k motorhome has a security alarm as standard?



-- Edited by gdayjr on Friday 12th of March 2021 07:36:54 AM

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Aus-Kiwi


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Over $2k here for mine with 5 other policies . Soon will be looking for value . Its not all about cheap premium ! Its also how your looked after when CLAIMING ! CIL have reduced some of their features over the years . Still looks like Ill consider them ?

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oldbloke


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Consider WFI. I have it. Pretty good price and good cover, but not as good as top cover insurance. Price went down $130 this year, I joke not.

Its a risk assessment in the end.

Jayco, that's another risk assessment.



-- Edited by oldbloke on Friday 12th of March 2021 04:49:34 PM

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gdayjr


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There is a new Jayco Optimum coming out later this year, they are stopping the Conquest range.

I am looking into buying one of the 25 ft motorhomes.

Not cheap at $200k, but perfect for what i am looking for.



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