AIB Never Again

LibertyHall

LibertyHall

Forum Member
Just had a year with them when I went with them I gave them proof of NCB 2 years (new policy) renewal came through for £206 however wanted to up miles and get agreed value policy. So decided to return to AF got quoted £200 for 10k miles iwith agreed value. So asked AIB for my proof and they said they didn’t provide it as it wasn’t needed on leisure vehicles!! True with some policy’s however the majority need proof, ended up costing me an extra £60
So I will advise anyone that asks me to avoid like the plaque
 
Millie Master

Millie Master

Forum Member
When it comes to the insurance of my 'Millie' Ken, I honestly do find the services and attention to detail as given by Scenic (part of the Swinton Group) is second to none!

The really nice thing about them in comparison with AF in particular is that the people you speak to at Scenic actually know what they are talking about and seem to have an apparent interest in self built vans. I would have gone with them from day one if they had been able to supply cover for an extended period whilst I converted her which is why and only why for her first year that I went with AF.

Phil
 
Greggbear67

Greggbear67

Forum Member
Any contact details for Scenic please? Nearly finished my conversion now so probably ought to get a few quotes for self build insurance.....
 
Greggbear67

Greggbear67

Forum Member
Been keeping a log of costs for materials etc so I should have a reasonably accurate idea of what I've spent, but that won't take into account the bits I've sourced for free (professional womble!) or made myself. Will be something to consider tho thanks.
 
Millie Master

Millie Master

Forum Member
Greggbear67 said:
Been keeping a log of costs for materials etc so I should have a reasonably accurate idea of what I've spent, but that won't take into account the bits I've sourced for free (professional womble!) or made myself. Will be something to consider tho thanks.
Click to expand...

What I did for the agreed valuation was that when I applied to the DVLA for the V5 change I prepared a totally OTT perfect bound brochure showing 14 photographs which covered all aspects of the conversion as well as the finished item and along with this was a double page spread sheet of the costs incurred.

I sent this in dulicate to the DVLA and kept one back for sending off to the insurance brokers after the V5 had been altered. At the time I was insured by Adrian Flux and they immediately without question agreed to my requested valuation. Then when I changed insurance brokers to Scenic they immediately agreed the valuation without even seeing a copy of the presentation.

Phil
 

wildebus

Forum Member
When you decided on the valuation to request, what approach did you take?

I can see 5 different ways to look at it:
  1. look for comparative campers on the market and base on that
  2. work out how much you actually spent on the base van and conversion
  3. work out how much you actually spent on the base van and conversion and add in an element to cover the your cost of labour
  4. work out how much it would cost you to recreate your camper
  5. work out how much it would cost you to recreate your camper and add in an element to cover the your cost of labour

    or...
  6. some other way
The approach I took personally for deciding the agreed insurance value that I wanted was option 4 -
work out how much it would cost you to recreate your camper and didn't include the time that would be taken by myself to rebuild.
 
Millie Master

Millie Master

Forum Member
wildebus said:
When you decided on the valuation to request, what approach did you take?
Click to expand...

I did very much the same as you did Dave. I had the original base purchase price for what was in fact quite a dinged and dented van, I then added up all of the costs as detailed in the spread sheets and that came to a figure to which I then added a further £2,000 and they were more than happy to give me cover at the figure, bearing in mind that it was something like £8,000 less than a van of a similar age that had been professionally converted.
Phil
 

wildebus

Forum Member
Cheers. I decided not to factor in my labour. I reckoned if you worked out how long you spent and even just used minimum wage rates for your time, a nice self-conversion would have an insanely high valuation!
I noted everything I had installed and fitted in my spreadsheet and then applied the current list replacement value of the parts as if I was going to clone it.

What I also did - and I think this is the way it should be done - is work out and include the value of all the camping accessories that I carry on as they are part of the overall insured value (I think it could be easy to forget about them) - so Safari Room, BBQ, Generator, Chairs, whatever... are included in the spreadsheet list.
 
LibertyHall

LibertyHall

Forum Member
We kept invoices down to the little nuts and bolts etc. Looked at similar vans of same year!! Which wear between £20 & £30k 😲 this was the first time with AF they agreed straight away, this time they have a back log of 7 days so waiting to hear. I clean forgot to ring Scenic 🙄
 
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