Pop-Top Caravans Feedback
Submitted: Saturday, Aug 09, 2008 at 18:25
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bonnie22
Hi there everyone,this is my first time on this site.I am logged on as a guest at present.I need some advice on caravan insurance.I have just bought a pop-top caravan and was thinking about insuring it as I had no insurance on my last van-being a Jayco swan.I have no knowledge on caravan insurance and don't want to start ringing insurance companies and get the.I know there are a lot of you who have had more than enough experience with this type of enquiry,so I will ask you if anyone can guide me in the right direction and know what I need to know about insuring my van.Also i live in
Perth(WA).Many thanks for your time, Bonnie22
Reply By: Dunaruna - Saturday, Aug 09, 2008 at 20:32
Saturday, Aug 09, 2008 at 20:32
I would think that the first port of call would be the RACWA, they will advise accordingly. There can be an issue with car breakdowns (what to do with the van?).
AnswerID:
320025
Reply By: teabags - Saturday, Aug 09, 2008 at 22:18
Saturday, Aug 09, 2008 at 22:18
We insured our first Poptop with RACQ in Queensland. Agreed value which they didn't automatically depreciate. Good rates. Late last year van got hail damage. Insurance write-off. Expected to get the run-around you hear of so often but RACQ handled the claim very quickly over the phone, and received the full agreed value (less 400 agreed excess) within a couple of days!When we got another van I expected to get slugged with a high rate having made a claim, but there was no excess, their answer being that it was an act of God. Couldn't recommend them highly enough.
From experience I would like to know
1. Is the value based on agreed value or market value (usually some very low figure picked by the insurance company)
2. Do they automatically depreciate the value each year. A
well maintained van shouldn't depreciate, and may even increase in value after the first year or so.
3. Can you find anyone who has had to make a claim. Do they put you through the third degree and use every excuse to avoid making a payout.
Good luck and hope you have many happy years of caravanning.
Cheers
Alan
AnswerID:
320044
Follow Up By: Keith_A (Qld) - Monday, Aug 11, 2008 at 20:13
Monday, Aug 11, 2008 at 20:13
Hi Teabags - another thumbs up for RACQ.
We rolled our van on the Roper highway N.T.
RACQ had it inspected and claim settled for full amount (less excess) in about 3 weeks + excellent service. (Most of that 3 weeks was for the
Darwin claims adjustor to get down to
Mataranka to do the inspection.)
...........................Keith.
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Reply By: gonebush SA - Monday, Aug 11, 2008 at 18:09
Monday, Aug 11, 2008 at 18:09
hi, we have our pop top insurance through western QBE, i don't know if they are in WA but would think so, we have agreed price plus the contence and annex.
thankfully we haven't had a claim yet so can't tell you what they are like that way but with our car they were first rate.
good luck chris.
AnswerID:
320278
Reply By: Nomadic Navara - Monday, Aug 11, 2008 at 20:08
Monday, Aug 11, 2008 at 20:08
There are two specialist firms offering insurance for vans.
Manufactured Homes Insurance Agency Pty Limited -
http://www.mhia.com.au/
Caravan Insurance Leaders (CIL) -
http://www.cilinsurances.com.au/
Your local state motoring association may be able to offer competitive insurance, I have also used GIO.
I am currently with MHIA as I have the policy bundled with the policy on our manufactured home. If you are a member of ACC then there are extra benefits plus a slightly better premium.
PeterD
AnswerID:
320299