Tag Archives: Motorhome

AIB Talk Motorhomes

We interviewed Kirby from AIB Insurance, a motorhome, campervan and RV specialist to talk about the latest happenings in the world of insurance:

Are you seeing anything interesting with Motorhome and Camper claims?

The last 24 months have been challenging times for insurers with motorhome, RV’s and camper thefts on the increase. Take North Wales for example – police recently revealed that 30 vehicles worth over a million pounds had been stolen over the past 16 months. They believe thieves in that area were mainly targeting Fiat Ducato and Peugeot Boxer motorhomes using technology widely available on the Internet to override the manufacturer’s security measures that included the electronic immobiliser.

On a national basis though, Ford continues to be the vehicle of choice for most thieves.  Our insurance partner Ageas Insurance tells me Ford manufactured motorhomes make up less than 6% of their motorhome book but the theft rate is ridiculously high. There is no pattern as to where the motorhomes are kept, how long they have been owned or the level of security measures as they’ve seen a variety of scenarios. They have had over £350,000 worth of Fords stolen last year alone which is why they took the decision to work out what model ranges/years of manufacture were affected and decline them.

According to the Association of British Insurers (ABI), motor theft claims have increased by 20% in 2019 and motor theft claims paid by insurers in the first quarter of this year were at their highest for any quarter since 2012 with a payment made relating to vehicle crime every eight minutes. The ABI claims that the increase is in part being driven by keyless car crime whereby hi-tech criminals are able to bypass keyless technology in as little as 20 seconds. This would certainly seem to be the case with a large number of motorhome thefts as an increasing number are being stolen when they are parked on driveways.

Has this seen the cost of insurance increase?

Historically, motorhomes have been rated on three main factors: year, engine size and value (ignoring left hand drives, imports and modified vehicles etc.).  Over the last 12 months, three major motorhome insurers, Aviva, Ageas and Markerstudy have taken the unusual steps to load the premium further or even decline specific years of manufacturer, especially Ford.

Generally, motorhome and campervan insurance rates have remained stagnant apart from specific manufacturers. DIY conversions tend to cost more to insure than a coach built one.

So how can owners prevent a vehicle being stolen?

If your motorhome is stolen, having the right insurance policy in place will mean that you can at least have the peace of mind of knowing that you’ll be compensated financially for your loss. However, an insurance payout can never compensate you for the inconvenience and disruption that vehicle theft causes.

The good news is that most theft is opportunistic and thieves generally don’t like to work too hard. So, if they see a motorhome fitted with wheel locks, steering or handbrake locks or wheel clamps, it may be enough to put them off.  Of course, you can go further by installing an alarm, immobiliser, a tracking device or even installing PIR lights trained on your parking space that illuminate when they sense movement.

What should people look out for when insuring a motorhome, RV or campervan?

It is vital, that you take out appropriate motorhome insurance and select a policy that will cover all your needs.

Motorhome insurance is not like car insurance, it requires specialist knowledge and as such, you should speak to a specialist motorhome insurance provider. Most specialists will provide additional European cover, additional contents cover and cover for gas cylinders, generators and awnings.

We would encourage you to purchase legal expenses as, if you find yourself in a dispute, legal fees can be expensive. Likewise, breakdown cover can be challenging as non-specialist providers may place a height, length or weight restriction on the vehicle they cover.

Another thing to mention when buying cover, is the level of windscreen glass cover that the specific policy your purchasing provides. Many insurers restrict the windscreen cover to £500-£1000 but an owner of an A-Class could be left short and should seek insurers that provide unlimited glass cover.

The motorhome market continues to grow especially relating to the sale of higher value models that cost over £100,000 and that represents a different risk for insurers if they go missing.

What is happening in the classic car world – are vehicles still going up in value?

The classic vehicle market is renowned for its stability and consistency and the VW campervan is a prime example of that. Over the past 10 years, classic vehicle values have been consistently going up, outperforming just about everything I can think of apart from vintage wine. I’d argue that classic vehicles are a better investment here too as it’s possible to use them without instantly destroying their value!

That said, at the top end of the market such as Ferrari, Lamborghini and the like, it looks as though we’re finally seeing the pace slowing and interest levels cooling.

One element of this could be uncertainty. When it comes to high value classics, it’s a global market. Investors may simply be less prepared to spend big at a time of trade wars and uncertain future trading arrangements.

The classic vehicle market is forever evolving as new cars become classics as each year passes.

What’s your favourite classic within the motorhome and campervan arena?

I love the 1967 BMC Princess – it looks bonkers. Whilst it looks like a DIY conversion, it was actually coach-built on a Vanden Plas Princess chassis but was unusually modern for it’s time enjoying power steering and an automatic transmission.  Another favourite would be the VW T25 hightop campervan. Again, it looks so cool and I can imagine myself sitting in it with a hot cup of tea on a cold day looking out over the ocean.

Motorhome Sales Increase

If you are the proud owner of a motorhome you may be interested to read that you are one of a growing number of holidaymakers who take to the road in such a vehicle to enjoy a break both here in the UK and overseas. According to statistics produced by the NCC that is the trade body for the motorhome, tourer, park home and caravan holiday home industries the number of people buying motorhomes rose in 2017 – in fact there has been a steady increase for a number of years.

Below are the statistics for new motorhomes registered here in the UK: –

2017                14,062

2016                12,332

2015                10,572

2014                  8,733

2013                  7,425

Below are the statistics for pre-owned motorhomes registered here in the UK: –

2017                55,449

2016                55,020

2015                48,839

2014                47,755

2013                45,572

The above organization also produced some interesting statistics for the number of new motorhomes registered in certain European countries that showed there has been an increase in certain countries when comparing 2017 with 2016: –

France             8.3% increase

UK                14.0% increase

Germany       15.5% increase

Italy               19.1% increase

It is estimated that there are in the region of 225,000 motorhomes being used here in the UK. Interestingly, there are about 555,000 touring caravans and 365,000 caravan holiday homes being utilized here in the UK. In 2016, it was estimated that people in Great Britain spent in the region of £2 billion per annum on caravan holidays and it is believed that about £6 billion is contributed to the economy here in the UK by the caravan industry every year.

Of course, as with most things that can be purchased, there is such a huge variance in the cost of buying a motorhome ranging from a few thousand pounds for a second hand vehicle to a six-figure sum for a brand new motorhome.

If you are considering investing in a motor home and it is not the type of holiday that you have tried before then you may prefer to hire such a vehicle for a week or two to make sure that touring around the UK and beyond is for you and your family.

Here at AIB Insurance we have many years experience in arranging motorhome insurance for numerous clients, We have a panel of reputable insurers so why not get in contact with us on 02380 268 351 and speak with a friendly, informative member of our team who will happily arrange a bespoke, competitive quotation without any obligation.

Increase In Motorhome Registrations

NCCThose of you who enjoy holidaying in a motorhome or are considering buying one may be interested to read that they would appear to be growing in popularity here in the UK. According to the National Caravan Council (NCC), the number of motorhomes that were registered in 2016 amounted to 12,332. This is a significant increase in comparison to 2015 when 10,572 motorhomes were registered.

The increase is being put down to the huge selection of campervans and motorhomes that can be purchased. People from a variety of walks of life are now taking to the roads in one of them whether it is for a short break or a longer holiday. No doubt one of the appeals is that those people owning a motorhome can decide at very short notice to take off in the vehicle if the weather is particularly pleasant and enjoy two or three nights away here in the UK or spend a few days longer across the English Channel touring in Europe.

MotorhomeInterestingly, approved NCC dealers are finding that more and more owners of motorhomes are using their vehicles throughout the year. This is being put down to motorhomes having improved heating systems, better insulation to keep the heat in and the fact that more caravan parks stay open for a longer time in the year.

For those people who are thinking of buying a motorhome but are unsure if they will enjoy this type of holiday they may wish to consider hiring one to get a taste for it before committing to what could be a significant investment There is an extensive selection of motorhomes to hire whether your preference is for an up to date luxury model that comes equipped with numerous mod cons or a classic VW campervan that has been well maintained.

If you are considering purchasing a motorhome or campervan then you may be interested to know that here at AIB Insurance we have many years experience of helping to arrange quality insurance on such vehicles providing our customers with complete peace of mind. So, if you would welcome a competitive quotation why not speak with a friendly, knowledgeable member of our team on 02380 268 351.

AIB teams up with Tansar on motor products

Airsports Insurance Bureau Limited are pleased to announce that Tansar Insurance has joined our panel of insurer partners.

TansarTansar are a specialist motor underwriting agency able to write a variety of the UK’s motor products. Some of those products include non-standard car and van insurance, specialist vehicles such as motorhomes or kit cars, motor cycles and high and mid net worth cars. They offer a wide range of benefits across all their products ranging from new vehicle replacement to personal accident benefits.

AIB Spokesperson Leah Burt commented: “We have known the management team at Tansar for many years and share the same passion for providing expertise and a true commitment to customer service and product provision. We are looking forward to forging a mutually beneficial, profitable relationship for our ever growing client bank to enjoy.”

To find out more about our new partner Tansar, visit the following link: http://www.tansar.co.uk/

Motorhome Holiday Experience Of A Lifetime For Young Family

MotorhomeA number of our customers love taking to the roads both in the UK and Europe in their motorhomes to enjoy a family holiday or travel as a couple. Whether it is to go away for a weekend or a couple of weeks, they enjoy being able to stop off for a night or two either at a campsite that they had pre-arranged to stay at or spontaneously pull over in the countryside and spend an evening enjoying the panoramic views before settling down for a good night’s sleep.

However, there surely cannot be many people that have done what the Hurst family chose to do. David Hurst, his wife Debs, their two sons Daniel aged 6 and Darley aged 4 as well as their dog called Colin have spent 12 months, on and off, travelling about 25,000 miles around Europe in their motorhome – a Swift Escape 696.

Having previously enjoyed hiring a motorhome in 2014, they made the decision to downsize Motorhometheir home and purchase the above motorhome and then set off on what appears to have been a wonderful experience.

During the twelve months they visited almost 200 family and friends in 12 countries including the UK, France, Spain, Belgium and Morocco. Whilst on their travels they “home taught” their oldest son and generated additional income by writing. It certainly would appear that they have all had the most amazing of adventures and will have memories that will last for a lifetime.

You can read more about their travels in the Mail on Sunday in which Mr Hurst has provided some useful information about some of the places that they visited. You may find this useful should you be planning to visit some of those places.

Of course, if you are considering purchasing a motorhome, you will wish to ensure that it is suitably insured. In this respect, why not pick up the phone and speak to us here at AIB Insurance on 02380 268 351 and we will discuss your requirements with a view to obtaining a competitive motorhome insurance quotation for your consideration without any obligation.