With the date set to go and collect our Eldiss Accordo we thought it about the right time to sort out the insurance. Getting insurance is easy right, I mean you jump on a motor insurance comparison website, tap in the details, hit search and wait for the quotes to come rolling in before selecting the best one and calling the insurance company to arrange insurance cover. Yep, getting motor insurance or more specifically motor home insurance is a doddle, but it isn’t for us…………..
Just over thirteen months back a 16 year old kid fell off his moped in front of me (he was showing off to his mates standing outside the bus stop – something all 16 year old testosterone filled boys do when they get their first petrol powered vehicle on the road). I naturally got out of my car to make sure he was alright, during which time a police car had stopped to see “what was happening”. After having a quick chat with the policeman contact numbers were exchanged (I don’t why because it wasn’t an RTA, there was no collision etc.) and everyone went on their way.
When I arrived home I had the boy’s mother call demanding my insurance details (the over protective mother looking out for her baby boy who would never do anything wrong) so I reluctantly gave them to her (failure to do so would probably end up with a visit from PC Plod, and I didn’t want to go through that) so I passed them over and reported the incident to my insurance company.
Even though there was no collision (I was not at fault the idiot fell off his moped showing off) my insurance company insisted on sending an assessor to look at my car (what a total waste of money – but hey our extortionate insurance premiums pay for that right), who basically said that viewing my vehicle was both a waste of mine and his time – and I had to agree. Anyway, I sent my insurance my dash cam footage, clearly showing what happened, and that was all I could do so left it.
Since the incident I have regularly asked my insurance company if there is a pending claim, and every time they confirmed there wasn’t. I was told by my insurance company (in writing) the file would be open for a year and if no claim was made in this time it would be closed. Well, the year is up and the insurance company are refusing to close the file.
I have already been penalized for the incident (when I renewed my car insurance back in April) however I am not getting penalized for being insured on the Eldiss Accordo motor home. Because the file is still open all the insurance companies have to quote with me having a pending claim (even though there is no claim against me). The additional cost of the “pending claim” is £700!!! (I got a quote with and without the claim) I am not going to give the insurance company an extra £700 so it looks like my wife may have to be the sole driver of the motor home, which neither she nor I want.
It looks like I have no choice other than to complain to the FCA to get the insurance company to do what they stated in their first letter to me, i.e. to close the file as the 12 months is now up and there has been no claim. I know this process is going to take a long time, much longer than the time we have until we collect the Accordo, so we are pretty stuffed at the moment.
To say we are p****d off is an understatement, and I am now at the point where I am going to go in all guns blazing. My insurance company has treated me unfairly (which is outside FCA rules), financially penalized me on my car for no reason and now refuse to close the file without any good reason (again, this is outside FCA rules). This is a pretty mute point because this doesn’t help us out in the meantime.
About the author
A total motor home newbie with a six year camping background in a folding camper. A keen blogger sharing my experience of researching, choosing, buying and owning a motor home. and every thing that goes with it.
The Motor home