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Offline Lloyd65

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Insurance
« on: February 07, 2012, 02:02:53 PM »
Hi i looking for insurance on my kk and was interested in knowing what you guys suggest is the best way to go as far as companies and price ??
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Offline D4D

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Re: Insurance
« Reply #1 on: February 07, 2012, 02:05:06 PM »
CIL deja vu
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Offline bja

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Re: Insurance
« Reply #2 on: February 07, 2012, 02:08:11 PM »
NRMA was $40 cheaper than CIL for me .

Brett
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Offline gadgetman

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Re: Insurance
« Reply #3 on: February 07, 2012, 02:19:24 PM »
CIL are dedicated to camper insurance but they are more expensive in general. 

I'm with GIO and got a significantly lower quote (when compared to CIL and others) because I have everything insured with them.

One thing to watch for WRT all insurers is the level of contents insurance they provide and the related exclusions.  Some insurance companies will sell you heaps of contents cover but will not pay out on stealing because the goods cannot be secured within the tent or camper.  We have a Swan and were advised by several companies that they wouldn't cover breaking and entering despite having a locked door.  They quite rightly argued someone could enter via the bed ends so we kept the contents insurance to the minimum.

Good luck.
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Offline jimquim

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Re: Insurance
« Reply #4 on: February 07, 2012, 03:44:36 PM »
FYI - just got a a quote from CIL to insure a soft floor camper worth $9000. Quote was ~$240 per year. Has anyone had considerably cheaper quotes than this?
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Offline Mace

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Re: Insurance
« Reply #5 on: February 07, 2012, 03:51:33 PM »
GIO for similar amount  is $180 (with our multi policy discount).

Minimul contents, most of our good gear is in our household policy for theft purposes.

Covered for road, not off road use (disussion now moves on to what constitutes "off road") ;D ;D

 :cheers:

« Last Edit: February 07, 2012, 03:57:59 PM by Mace »
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Offline Bird

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Re: Insurance
« Reply #6 on: February 07, 2012, 04:04:33 PM »
check the fine print on them... as to whats "secure"... soft floor/walls may not be...

but you knew this already from lookin at the 500,000 thousand other insurance threads....
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Offline jimquim

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Re: Insurance
« Reply #7 on: February 07, 2012, 04:36:27 PM »
Thanks Mace!
My quote was a single item (no multi policy discount) as my house/car insurer wouldn't touch the camper trailer! have spent a bit of time looking through the CIL policy and it looks pretty reasonable to me. Hopefully never have to find out though.
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Offline Kit_e_kat9

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Re: Insurance
« Reply #8 on: February 07, 2012, 06:09:21 PM »
Quote from: D4D on February 07, 2012, 02:05:06 PM
CIL deja vu

x 2 ... now where is that search box again?   ;D
 
Kit_e
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Offline Hews

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Re: Insurance
« Reply #9 on: February 07, 2012, 07:43:11 PM »
I'm with NRMA. The insurance is basically useless for contents, but overall trailer and structurally is all covered. I recently had a claim through them after my CT tent was flattened by a storm. Scarilly thay hardly understand what a CT is but their assessing company are great and it was cash settled in under a week.

They were around $270 for $12k CT + annex + contents insurance. I will be shopping around when policy is due though because I lose 20% off the no claim bonus after this claim
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Offline Lloyd65

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Re: Insurance
« Reply #10 on: February 10, 2012, 10:54:09 PM »
Hi Thanks for all the help, CIL seems to be the best for us $740 for $60k. That is best price we got  :'(
O well thats life  :laugh:
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Offline NewcastleKnight

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Re: Insurance
« Reply #11 on: February 13, 2012, 05:38:56 PM »
Got a quote for the new purchase today from CIL, the sum insured will be twice the amount compared to the swan and the premium is only marginally dearer then what I pay now with NRMA....may be goodnight NRMA.
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Offline Black-Pig

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Re: Insurance
« Reply #12 on: February 14, 2012, 10:18:47 AM »
MHIA looked good, but not offering insurance for caravans and campertrailers as they are changing underwriters or some such. So move on to see if I can find another that covers canvas sided annexs... Bet I wont find any.
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