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Author Topic: Hard Floor insurance ?  (Read 13528 times)

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Offline linmac

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Hard Floor insurance ?
« on: July 06, 2011, 08:02:43 PM »
Our new Complete Campsite Hard Floor is just about ready and just wondering what insures you guys use. I rang AAMI today they insure campers but not hard floors go figure also rang NRMA $761 bloody hell any help would be great
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Offline Nomad

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Re: Hard Floor insurance ?
« Reply #1 on: July 06, 2011, 08:04:37 PM »
Shite.......$761........AAMI charged me $209 for the soft floor. I wonder why they don't do hard floor campers
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Offline Gunna Do

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Re: Hard Floor insurance ?
« Reply #2 on: July 06, 2011, 08:11:50 PM »
My Camp-o-matic hard floor is insured with NRMA for $20,000 plus $4,000 contents, but no annex cover listed on latest policy (this has to be rectified).  This years premium is worth $413.99 and includes (if you believe them) Multi policy discount of $126.74 plus 60% no claim bonus discount of $532.33.  So their telling me that without any discounts this policy would be worth $1,073.06.  Yeah right!
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Offline Tim - Stratford

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Re: Hard Floor insurance ?
« Reply #3 on: July 06, 2011, 08:14:19 PM »
CIL seem about average...for a hard floor (KK).
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Offline 4runnernomore

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Re: Hard Floor insurance ?
« Reply #4 on: July 06, 2011, 08:48:27 PM »
That's strange,  ???

I am with AAMI for my CUB which is a hard floor camper. I think that the person you spoke to did not know their product.  >:D

Premium is $33.88 for full coverage in all areas of Australia.

Cheers, Chris  :cheers:
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Offline Nomad

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Re: Hard Floor insurance ?
« Reply #5 on: July 06, 2011, 09:00:06 PM »
$33.88 are you sure....how did you manage to wrangle that? :cup:result.
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Offline Nomad

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Re: Hard Floor insurance ?
« Reply #6 on: July 06, 2011, 09:01:05 PM »
that was meant to come up with the champion cup......i'll try again     :cup:
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Offline Silvo

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Re: Hard Floor insurance ?
« Reply #7 on: July 06, 2011, 09:06:53 PM »
Quote from: linmac on July 06, 2011, 08:02:43 PM
Our new Complete Campsite Hard Floor is just about ready and just wondering what insures you guys use. I rang AAMI today they insure campers but not hard floors go figure also rang NRMA $761 bloody hell any help would be great

is yours being built now? when is it due?

mine is due very soon!! due this week if i'm lucky..

insured mine for $43k through GIO - $550..

Dan
« Last Edit: July 06, 2011, 09:09:17 PM by Silvo »
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Offline linmac

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Re: Hard Floor insurance ?
« Reply #8 on: July 06, 2011, 09:26:00 PM »
you where right 4runnernomore AAMI stuffed up rang them back $611 or $55.91 a month
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Offline linmac

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Re: Hard Floor insurance ?
« Reply #9 on: July 06, 2011, 09:27:44 PM »
Yea Dan mine should be ready next week
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Offline 4runnernomore

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Re: Hard Floor insurance ?
« Reply #10 on: July 06, 2011, 09:29:02 PM »
 :cup: :cup: :cheers:
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Offline linmac

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Re: Hard Floor insurance ?
« Reply #11 on: July 06, 2011, 09:40:47 PM »
I will give GIO a ring tomorrow and talk to them I've been looking at insuring it for 48k thanks Dan

Macca
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Offline Silvo

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Re: Hard Floor insurance ?
« Reply #12 on: July 06, 2011, 10:04:11 PM »
Quote from: linmac on July 06, 2011, 09:40:47 PM
I will give GIO a ring tomorrow and talk to them I've been looking at insuring it for 48k thanks Dan

Macca

no worries mate, i removed a few things so my Fraser is only $43k..

make sure they insure is at a camper, and NOT a box trailer. it will cost more insured as a box trailer for some reason.

$200 excess and $1000 contents cover, but my contents are covered under my home policy anyway.

dan
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Offline Bird

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Re: Hard Floor insurance ?
« Reply #13 on: July 06, 2011, 11:27:32 PM »
Be careful with some of these companies.

There was a thread recently where a company had a campertrailer down as a box trailer. You can only imagine what would have happened if the bloke tried to claim... although one bloke in the other thread had something like a 40k camper insured as a box trailer in their error until he straightened them out.

Im with CIL, as the know what an actual camper is.
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Offline Kit_e_kat9

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Re: Hard Floor insurance ?
« Reply #14 on: July 06, 2011, 11:50:45 PM »
Quote from: Lost on July 06, 2011, 11:27:32 PM
Im with CIL, as the know what an actual camper is.

I've just received my renewal ... things have changed a bit since last year.  Thankfully they've extended New Replacement out to 2 years to be competative.

I'm fighting with them over what is classed as a "standard" item and what isn't.  It's frustrating to say the least, but I know I'm gonna win.  ;D  They are already sending me an updated renewal with mutual agreements on it and I haven't even finished reading the PDS yet!


Kit_e
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Offline Silvo

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Re: Hard Floor insurance ?
« Reply #15 on: July 07, 2011, 06:24:06 AM »
Quote from: Kit_e_kat9 on July 06, 2011, 11:50:45 PM
I've just received my renewal ... things have changed a bit since last year.  Thankfully they've extended New Replacement out to 2 years to be competative.

I'm fighting with them over what is classed as a "standard" item and what isn't.  It's frustrating to say the least, but I know I'm gonna win.  ;D  They are already sending me an updated renewal with mutual agreements on it and I haven't even finished reading the PDS yet!


Kit_e

what are they saying isn't standard?
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Offline linmac

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Re: Hard Floor insurance ?
« Reply #16 on: July 07, 2011, 02:52:33 PM »
Rang GIO today $625 is the best they can do that's with my 60% no claim bonus plus a discount for another policy with them. I asked why so expensive and told her your quote Dan of $550 (I did drop the price to 43k) its because of where I live so according to them its the country is more likely to be stolen than Sydney ? you done alright Dan

Macca
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Offline Silvo

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Re: Hard Floor insurance ?
« Reply #17 on: July 07, 2011, 02:54:14 PM »
Quote from: linmac on July 07, 2011, 02:52:33 PM
Rang GIO today $625 is the best they can do that's with my 60% no claim bonus plus a discount for another policy with them. I asked why so expensive and told her your quote Dan of $550 (I did drop the price to 43k) its because of where I live so according to them its the country is more likely to be stolen than Sydney ? you done alright Dan

Macca

did you confirm that it wasn't listed as a box trailer - very important, because my quote was originally over $600.. i'd call back and get a second opinion if you aren't confident of this.

dan
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Offline Bird

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Re: Hard Floor insurance ?
« Reply #18 on: July 07, 2011, 03:18:08 PM »
Have you tried CIL yet?
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Offline linmac

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Re: Hard Floor insurance ?
« Reply #19 on: July 07, 2011, 03:20:43 PM »
done that its the area I live at checked it wasn't down as a box trailer. got some bad news today Dan my camper will be a couple more weeks something wrong with the canvas got to take it off and do it again  :'(
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Offline linmac

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Re: Hard Floor insurance ?
« Reply #20 on: July 07, 2011, 03:21:49 PM »
Yea tried them Lost $702
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Offline Silvo

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Re: Hard Floor insurance ?
« Reply #21 on: July 07, 2011, 03:29:45 PM »
Quote from: linmac on July 07, 2011, 03:20:43 PM
done that its the area I live at checked it wasn't down as a box trailer. got some bad news today Dan my camper will be a couple more weeks something wrong with the canvas got to take it off and do it again  :'(

bugger about the insurance quote..

mate, i got the same phone call about the camper, i'm delayed as well.  :'(
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Offline Kit_e_kat9

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Re: Hard Floor insurance ?
« Reply #22 on: July 07, 2011, 04:58:52 PM »
Quote from: Silvo on July 07, 2011, 06:24:06 AM
what are they saying isn't standard?

I have two removable awnings and a removable tropical roof which come standard with the CT (all models) which they are saying I need to list and pay more for (because they are removable).  Pigs Rear I'm paying more for them.  I referred them to the website of the manufacturer and they "suddenly" changed their attitude.   ;D

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Offline Silvo

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Re: Hard Floor insurance ?
« Reply #23 on: July 07, 2011, 05:14:13 PM »
for me, i had to seperate the cost of the canvas annex, to that of the main tent body - but it's not an extra, just listed seperately .. everything else was covered under the main camper cost.
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Offline Pete_R

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Re: Hard Floor insurance ?
« Reply #24 on: July 07, 2011, 10:19:10 PM »
Quote from: Silvo on July 07, 2011, 05:14:13 PM
for me, i had to seperate the cost of the canvas annex, to that of the main tent body - but it's not an extra, just listed seperately .. everything else was covered under the main camper cost.

I had to do the same but it didn't change the cost of the insurance regardless of the canvas component cost

That's no good about the delay. Mind you, better for them to get it right rather than you have to take it back. BTW, I believe they are having another open day later this month
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