Insurance for Slideon Camper
Submitted: Wednesday, Apr 22, 2009 at 16:06
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Member - Malcolm (Townsville)
Hi all
I've just been through an ordeal with RACQ Insurance which I want to pass on and seek some advice from
forum members ...
This is phone conversation with RACQ ...
Tomorrow I have to travel interstate to pickup a slideon camper. I'm using a mate's 8x5 trailer ( my car trailer is really too big for this job ).
Q. Is his trailer covered by my car insurance?
A. Wait. I'll
check. Yes. Up to $750 less excess of your policy.
Q. Fine. My new slideon camper I want to insure for the return trip and keep comprehensively insured.
A. Wait. I'll
check. If the trailer is registered in your name with us, yes we can cover the camper.
Let's try that again. Go back to square one .... It's my Mate's Trailer!!
A. Wait. I'll
check. Because the trailer is not registered in your name we cannot insure the slideon camper.
Oh, Thank you for your assistance. Goodbye.
Back to the real world ....
Any ideas on how/who can I insure my slideon camper?
TIA
Malcolm
Reply By: _gmd_pps - Wednesday, Apr 22, 2009 at 19:48
Wednesday, Apr 22, 2009 at 19:48
It is quite easy once you have your vehicle.
Forget all the normal insurance companies and caravan insurances ..
They are mostly cr@p anyway. The best solution for this is:
Join the CMCA and you are accepted for Lumley Insurance through Ken Tame. Your combo qualifies as Mobile
Home.
We have this insurance covering an imported truck with a US slide-on and lots of contents. Nobody would have wanted to know about the truck alone. My truck insurance including the camper is cheaper than others have quoted just for the truck.
I had a claim for 2 stolen bikes and got the cheque within 5 days.
You can have 0 excess with no claim bonus protection.
It is the best solution around and being used by other 40000 mobile
home owners. I have no connection to theses guys other than being a happy customer.
good luck
gmd
AnswerID:
360932
Reply By: Member - Malcolm (Townsville) - Monday, Apr 27, 2009 at 17:51
Monday, Apr 27, 2009 at 17:51
Left
home on Thursday morning, o/n at Palmwoods, o/n Dubbo. Arrived
Young, loaded camper (great members Margaret and Roy), turned around at 1.00pm, o/n
free camp Lightning Ridge - 6.30 am hit a kangaroo (slid under car - no damage) hit the spring hanger on the trailer and snapped it off. Looking in rear view mirror I saw the trailer 'jump' and decided I betta have a bo peep. I could smell the rubber and investigated further. One of those slipper type springs had snapped the welds on the front mount. Rear of spring had slid out of mount and spring was jammed between chassis and side of tyre. Lucky I stopped - NO insurance :-(
Time to think outside the box :-) The camper's jacks came in handy. Put two of them on the nearside and lifted camper, trailer and all. Unfastened U bolts and repositioned spring on chassis. One of the clamps normally used to hold-down the camper to the ute body I managed to re-configure and hook in behind the mudguard. tightened the nuts. Turned around to head back into
Lightning Ridge (Sunday morning). On the way thought better to leave the trailer and bring a welder to the trailer (LOL and all the time I've spent about hooking up 2 batteries etc ;-) ). Mate stayed with trailer, I went into arrange NRMA. "No mate, we'll pick up your trailer and bring it back into town to a welder." OK. When I got back to the Hwy turnoff here's my mate with the trailer hooked on the back of a one tonner - all fixed. A mining co welder was coming in to the 'ridge' for the local Sunday markets. Lived 3 mile from where we left the trailer. Nice green one put a smile on his face. Three hours delay and back on our way again. O/n
Emerald - 707 Motel (tks for the free beer Charlie. Was really welcome after a loooong day ;-) ). Pulled into
Townsville around 3pm today and refuelled. 4400 kilometres in 5 days. Not a bad trip for my rebuilt ZD30 - now time for another oil change.
Malcolm
AnswerID:
361901
Reply By: Margaret B - Monday, Apr 27, 2009 at 21:49
Monday, Apr 27, 2009 at 21:49
Hi Malcom, sounds like a horror trip, pleased you both made it
home safely, with the camper, what does your wife think of it.
We have had the camper insured as part of the
Home Insurance pack as a stand alone item, no vehicle mentioned, with ARGIS Insurance thru our local broker for $349. looks like we may be heading off to Vic at the weekend to look at a camper trailer for the trip up north in july.
Post a
pic when you have it on the Ftruck
AnswerID:
361957
Follow Up By: Member - Malcolm (Townsville) - Tuesday, Apr 28, 2009 at 14:37
Tuesday, Apr 28, 2009 at 14:37
Hi Margaret
Horror trip? Far from it. I would consider it a pretty good trip. The spring hangar was the only problem we had. Not bad for 4400 kms.
Normally I'm pretty quick at spotting kangaroos but this little black wallaby was in the shadows and .... I know. No excuses LOL
Better to hit that little one than the big 7'
grey that loped across the road in front of us up near
Roma. Or the two emus that couldn't care less as they ambled off the road to let us through.
Malcolm
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