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  • FIRST POST
    • eamon
    • By eamon 29th Feb 16, 11:18 AM
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    eamon
    Car Insurance Question
    • #1
    • 29th Feb 16, 11:18 AM
    Car Insurance Question 29th Feb 16 at 11:18 AM
    Hello Folks

    I've changed my car and purchased an item that fits in the boot (this item converts into a camp bed and cost me £1700 inc VAT).
    As its not a permanent fixture to the car i.e. the car has not been modified in any way and I can remove the item at any time. I don't think it counts as a camper van conversion.Thus my question is do I need to tell my insurer. Also current car insurance limits personal belongings to £100. So in the event that my car got stolen/broken into would I be better of claiming of my house contents insurance?

    I look forward to your thoughts

    Eamon
Page 1
    • Hasbeen
    • By Hasbeen 29th Feb 16, 12:09 PM
    • 911 Posts
    • 663 Thanks
    Hasbeen
    • #2
    • 29th Feb 16, 12:09 PM
    • #2
    • 29th Feb 16, 12:09 PM
    Hello Folks

    I've changed my car and purchased an item that fits in the boot (this item converts into a camp bed and cost me £1700 inc VAT).
    As its not a permanent fixture to the car i.e. the car has not been modified in any way and I can remove the item at any time. I don't think it counts as a camper van conversion.Thus my question is do I need to tell my insurer. Also current car insurance limits personal belongings to £100. So in the event that my car got stolen/broken into would I be better of claiming of my house contents insurance?

    I look forward to your thoughts

    Eamon
    Originally posted by eamon
    Is it Swiss?

    You would have to ensure that you were covered on your contents for that amount £££ for personal possessions outside the home?

    If not add it as an optional extra to your contents policy.
    • eamon
    • By eamon 29th Feb 16, 7:58 PM
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    eamon
    • #3
    • 29th Feb 16, 7:58 PM
    • #3
    • 29th Feb 16, 7:58 PM
    Not Swiss, Welsh!
    • rs65
    • By rs65 29th Feb 16, 8:17 PM
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    rs65
    • #4
    • 29th Feb 16, 8:17 PM
    • #4
    • 29th Feb 16, 8:17 PM
    I'm struggling to picture this.


    Is it a car accessory? Do you have a link?
    • Hasbeen
    • By Hasbeen 29th Feb 16, 9:05 PM
    • 911 Posts
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    Hasbeen
    • #5
    • 29th Feb 16, 9:05 PM
    • #5
    • 29th Feb 16, 9:05 PM
    Not Swiss, Welsh!
    Originally posted by eamon
    The expensive ones I was thinking about are Swiss what Welsh company/manufacturer did you purchase from.
    • eamon
    • By eamon 1st Mar 16, 6:57 PM
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    eamon
    • #6
    • 1st Mar 16, 6:57 PM
    • #6
    • 1st Mar 16, 6:57 PM
    Bought it from http://www.amdro.co.uk/products/boot-jump-camper-car-c-10_15.html

    I've gone for option A. It seems a lot of money but it is all relative. I go to at least 4 events every year and I'm fed up with tenting it. I also wanted a newer car and this allows for both with some compromises. Somebody with the appropriate skills & tools could make something similar for alot less, I have neither but I was able to chuck money around.

    As it happens I've now removed it from the boot and stored in my house. The insurance bit has me a little worried (Sods Law etc) but I will find a solution.
    • rs65
    • By rs65 1st Mar 16, 7:24 PM
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    rs65
    • #7
    • 1st Mar 16, 7:24 PM
    • #7
    • 1st Mar 16, 7:24 PM
    So it looks car specific therefore a car accessory. You'll need to have a read of your home and car policies to see where car accessories are covered, especially to that value.


    The stove caught my eye. I seem to recall concerns with some insurers regarding cooking facilities. Is the stove used in the car? Might be something insurers want to know about.
    • eamon
    • By eamon 1st Mar 16, 7:54 PM
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    eamon
    • #8
    • 1st Mar 16, 7:54 PM
    • #8
    • 1st Mar 16, 7:54 PM
    Yes I agree car insurers can be a picky lot. The stove is an alcohol burner very popular in yachts apparently. The stove fits inside/on top a pull out drawer and the only way to access this is to have the tailgate fully opened. I'm going to have a really good read of my home insurance. Given how popular camping is in the UK (and how expensive all the camping gear can add up to be) there will be a means of having it covered for theft. If everything gets burnt to a crisp then I have a bigger problem than worrying about insurance.
    • rs65
    • By rs65 1st Mar 16, 8:12 PM
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    rs65
    • #9
    • 1st Mar 16, 8:12 PM
    • #9
    • 1st Mar 16, 8:12 PM
    Camping gear is easily covered under your home insurance (unless maybe when left in an unattended). This isn't camping gear though. This looks like a car accessory so might not be covered on home insurance.


    Car accessories are usually covered on car insurance but the value might be an issue if they don't know in advance.


    I strongly suspect having cooking facilities will definitely cause you problems. Might be best speaking to a campervan type broker or leisure specialist broker if your current insurers don't play ball.
    • caliew
    • By caliew 1st Mar 16, 10:05 PM
    • 69 Posts
    • 25 Thanks
    caliew
    Hi I have worked in the insurance sector for a number of years I have just left due to childcare reasons. Is it classed as an adaption does it screw into the car to secure? If an adaption then usually needs to be logged as an adaption and the underwriter may need to be made aware. A camp bed is a grey area as a personal belonging is an item that is designed to be carried, for example a non portable electronic item such as a desktop computer comes under a household good as you cannot regularly carry it around whereas a laptop computer is classed in insurance terms as a personal belonging as it can be carried around. So a campbed can it be put in a bag and carried about for eg. A couple of mile walk? that would come under a personal belonging if not then it would probably be a household good. Check the section on your home insurance for the claim limit for 'contents temporarily removed' usually in section 1 it might hold a higher claim limit and as long as it's locked up and there was forcible and violent entry but it's a long shot. Sometimes a term called 'contribution' can take place where two underwriters pay out if it crosses over 2 policies and both contribute a percentage, however it's rare that car and home both pay out and they won't pull out full limit - just a percentage of limit dependant on how many policies are paying out. Is it dvla registered as a car or a van?
    • eamon
    • By eamon 2nd Mar 16, 7:57 PM
    • 1,567 Posts
    • 1,108 Thanks
    eamon
    Hi Caliew.

    It is a car. The unit I have purchased fits in the boot, then by using somebody elses very clever design and engineering coupled with the characteristics of the car it converts into a mini campervan. One of my previous posts links to the supplier and they have a video showing the set up. I've read the appropriate DVLA guidance and its not by their definition a "motor caravan" as it is not permanently attached to the body of the vehicle by welds, brackets, screws or rivets etc.

    I suspect that I will need to get it attached to my home contents insurance as some kind of alternate camping gadget. But if you can suggest a better approach then I am all ears.
    • DM01
    • By DM01 5th Dec 17, 2:29 PM
    • 2 Posts
    • 0 Thanks
    DM01
    Hi,
    Just wondering if you sorted out your insurance and which company you used. I have the same piece of kit in my car and am having trouble getting quotes. The only company I have found so far who will cover me is Adrian Flux.
    Thanks.
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