wildebus
Forum Member
I am guessing you mean NATIONWIDE FlexPlus Account?Is the policy actually a motorhome or motor caravan policy or is it a private motor car policy.
Motorhome/ motorcaravan policies are generally private motor car policies with specific
clauses added applying specifically to M/Caravan requirements.
I'd say £100 for Recovery Insurance is VGV for Money. Especially if providing European Cover
for over 3.5tonnes, plus up to 7.5m length, extra bonus if up to 25 years vehicle age allowed.
Halifax Flexplus Account is one of the few sources through Brittania Rescue that provide that
level of service for £13 a month plus a few other perks, travel insurance etc.
Insurance companies will often accept what you state on a proposal form may be another thing
on how they see things in event of a claim, would they go to the bother of looking at the
V5c and start arguing the toss.... who knows.
I think something that is worth having on an insurance policy, especially for a self-build, is an upfront agreed valuation.
With a typical factory motorhome, it is fairly easy to get a value for a like-for-like replacement, but on a conversion, there is often no other vehicle on the market to compare against, and if it is a claim for theft or total loss, an assessor would have little to work with to come up with a valuation you would likely be happy with.
Finally, specialist insurers often used to stipulate that the conversion had to be reclassified as a Motor Caravan within a set time of the Motorhome/campervan policy being taken out (often 6 months but almost always within 12 months) but with the change of stance of the DVLA that requirement has mostly been dropped, but the conversion still had to be a genuine one (and the proof of that oddly enough was a REFUSAL letter from DVLA that stated the inside was good but reclassification refused due to external appearance).
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