I think MoHo owners who go off road or even on very sloping areas should be aware that moHo’s tend to be top heavy due to the high up cupboards, electric beds, overhead beds etc. and may be more susceptible to rolling that the equivalent van
Hi Matt, I think a couple of good people to speak to about their Motorhome insurance cover is Steve and Lyndsay afor the Roaming Radfords channel. They go abroad for 6+ weeks in the summer and they wildcamp as well as stay on campsites. If I remember correctly they also park their 9m Motorhome on beaches and drive the vehicle on some “less than perfect” roads. Steve/Lyndsay could explain which insurance company they use and why they chose that company. I think they make sure they are fully covered before they travel abroad.
I believe it’s an area that most insurance brokers don’t have real detail on. The boom in off road capable motorhomes puts this topic in the spotlight. I think it’s always been accepted that a leisure vehicle will be taken off the road to a campsite for its intended use. But the statement off road is now evolving to new uses as in the example of the Hymer MLT that rolled over. Underwriters need to offer clarity so brokers like Ripe have some detail to give the policy holder.
🎉Hi Matt, yet another great thought provoking vlog. Further to my previous comment on insurance (NFU). There appears to be no clear definition on what constitutes “off road”. The DVLA, within SORN, would appear to define it as anywhere other than public highway. Every other description seems to related it to green laneing, or up to the axel activities. I think generally all we want to know is, if we hit another vehicle, or reverse in to a tree on a campsite, will my insurance cover the repair on my vehicle if I am the one at fault? With regards the table, I did email you with questions regarding the securing of items while travelling. My concern was the number of vloggers that appear to travel with heavy power packs just left between the driver and passenger seat so as to reach the 12v power socket (cigarette lighter, in my day). The law that covers your table is one and the same, a load must be secure as to not cause damage or injury that could also escalate a situation into a major incident. Regards Phil Ps I haven’t worked out yet how change my comments ID from numbers and dashes etc.
Thanks for commenting Phil. As Jason says in this piece it’s about intended use with permission. I guess common sense plays a role. But more clarity is certainly needed. And you are right about secure load. Again, common sense! We strap our portable power pack down and restrain it from sliding forward.
Hi Matt, Thank you for your response. i listened again, I heard Jason say that cover was provided to site as long as you had permission. You did not ask, and he didn’t mention if cover included movement on site should you have to move round site during your stay to top up water/ drop grey water and return to your pitch. Are we to just assume we are covered?, potentially a big mistake! Further more , I have some concerns with Jason’s confidence in the ability of his 4x4 when it comes to towing his caravan off tarmac. Having spent 10 years towing fuel bowsers and generators, be they road tow or on a trailer, off road, with a Land Rover, for the Utility companies, I can assure him they have limited capabilities. Too many have an attitude of invincibility with a 4x4 , hence they are usually the first in the ditch on an icy morning. Hope to see you at Malvern this weekend. Phil
Hi Matt, in Scotland to occupy private property in a vehicle without the landowner's permission is trespass therefore I doubt any insurance company would be keen to pay out as this would be classed as use for an illegal purpose, hence the no off road clause most insurers include. Driving onto a campsite would be okay as you have the landowner's permission & are paying for that right. Insurers cannot "keep pace" with an illegal activity, it's as simple as that really. Even with permission from the landowner, I think you would still need to check out insurance & probably get extra cover for such activities. Also, if broken down off road, your recovery could very well be a problem as the breakdown recovery vehicle could fall foul of it's own insurance.
@@JohnGardner-f3g Unfortunately there is, please check out The Trespass Scotland Act 1865 & note that The Land Reform Act specifically excludes motorised activity.
Question, Given you have been insured for some years to an insuter,What right do they have to change an insurance as you have a contract,an agreement, so why do we allow insurers to change policy?
Contract law is about being of sound mind and a meeting of parties to agree, so being told you no longer can get insurance without a tracker, is in breach of a contract, because you have evidence of continude agreement, few know this,this is why there soon will be massive cases against forced mask waring on emplyment contracts, many where coerced into altering employment contract, fauls narritive of being informed,2018 increased how much can be earned if you get into law, as it was clear courts will be filling up as they are now, hence the release of prisoners ready to put fear into waken people lol, campers are slow to catch on what is going to happen to ouyr freedoms on travel my friend.
Hi, I hope Matt enjoyed the New Forest Show. My brother had 2 antique stalls there, and I was helping out so I was there for all 3 days. I only live 5 miles from the show ground. I am driving a car from Calais to Séte south of France, to get a ferry to Mallorca with my dog. Sorry it is in the comments, would I be allowed to possibly use French Aires on route as stopovers would you know. I have been subscribed for nearly a year now. Always fantastic information. When I can I am looking at buying an Elddis 135, for One Man and his Dog later on. Again Thanks.
@@MotorhomeMatt I was based by a main entrance of the Antique Tent by the Doormobile stand, very hot but occasionally a bit of a breeze in the doorway. Thanks for the French Aire information.
I'm more curious of the instance of wild camping (say in Scotland). You are not necessarily 'trekking' up a mountain, but you are definitely off a main road. I'm still unclear what is and isn't covered.
Wild camping in Scotland specifically excludes motorised activity so that isn't a problem. If occupying private land in a vehicle without the landowner's permission then it is trespass under The Trespass Scotland Act 1865. Many misunderstand the SOAC in Scotland, I'm afraid.
If concerned check with your insurer. But make sure you are clear on the rules of parking up. Wild camping in a motorhome is like wild swimming in a bath! It’s a joke of course but rules to apply.
Interesting subject. A well evidenced gap in the insurance market. Sadly most people will not care as they will be unwilling to pay more and prefer to take the risk, even if such insurance products were made available. Of course the wealthy with flash vehicles would pay for it, but they are not really the people extra insurances help! As a former Military man, trained on courses for driving small and very large vehicles off road, of all types, I worry, that the current trend, see’s people driving in places they should not be, as they have no understanding, let alone knowledge or experience and training of ‘Off-Road-Driving’. If you buy a Land Rover or Range Rover, you are able to get a course from the manufacturer. Maybe off road van companies need to start giving such instruction as Land Rover does? But, as an example or reality, forget off road, just look at the amount of motorhomes and camper vans now used in winter months, seen without winter tyres or rubber windscreen wipers graded for winter, shocks me. It is either unintentional ignorance or deliberate ignorance to save a few pennies, by not swapping over tyres and wipers (let alone all the other equipment for winter driving). Sadly, most Britains even with their cars do not prepare for winter to save money, as to save life, they don’t value above saving money; absolutely crazy people! Regardless of money, life saving comes first and if you can’t afford it, don’t do it and don’t drive in winter conditions. Same as, no experience of off road, with no knowledge and no training, then forget doing it. It really is that simple and can be life saving.
I have all terrain tyres on my campervan. It is my everyday vehicle so is driven in winter although I don't camp in winter. Are all terrain sufficient?
What is the definition of off road ? We regularly use small gravel roads to access small parking areas across the uk whilst these are shown on google maps would they count as off road ?
Insurance companies are always finding ways to not pay out, I work on the principle that they will not cover me for anything so have the minimum to cover to satisfy the law and third parties. Even if they pay out they rip you off next time you have insurance or add excess. most of the time what ever they pay is recovered within 5 years plus some.
A commonly held view but not my experience. Is this your experience? How many claims have you had refused? How many claims have you had approved and what did that to your premium?
@@MotorhomeMatt Hi Matt, Great channel btw. I guess it's a commonly held view for a reason?, Anyway I'm retired so have held a driving licence for 45 years plus and been a professional driver too, So have done maybe a few million miles on the roads around the UK and Europe I also have family who drive plus friends and colleagues who drive too. Normal I guess so if you ask around people talk. I could pick many cases including your story of the van that rolled over 🙂 but as I have always gone for the least cover so have not made a claim personally ,Must be my driving 🙂 but I have many people I know including family that have claimed and regretted it due to the addition costs after ie Excess and increased premiums after the fact. One case was my mother who had fully comp hit someone in the rear at less than 4 miles per hour so was a scratch to both vehicles (no air bags going off btw,) by the time the insurance company had finished my mother after 5 years had paid for the damage plus some, She has never had fully comp again. Then even your own story where insurance companies add causes to the contract, the small print goes on and on. Depending on what type of person you are I would say on the whole just cover for the really big pay out ie if it's stolen and third party and anything to satisfy the law. I guess if you feel you pretty hopeless at everything, could not put a light bulb in a lamp then get your self covered for everything so someone can help them at everything they do in life. It's also good for those who just want to go somewhere without doing much research and let others guild them through life. If you can not fix a car then buy a vehicle warranty I guess. If you are clueless that so parts of Italy etc have a high crime rate then cover yourself for theft of you phone and power lead, I have met many people that should have personal insurance for everything they do in life 🙂 Personal choice and I'm all for that. 🙂
If a motor vehicle, of any kind, is purchased on finance isn’t the purchaser bound by the terms of the loan to maintain full comprehensive insurance until the loan is paid in full?
@@Phil.O.Sophical Mainly for the reason that the finance company owns the vehicle so it's in thier interest to have everything covered and making the person who drives it pay makes perfect since for them.
Hi Matt. An excellent episode as usual. I’m still confused about what “off road” means. After your earlier episode on the Hymer accident, I looked at the manufacturers website and Facebook pages and there are lots of photos of motorhomes parked off-road by a lake or at the coast, or next to a beach. These photographs are accompanied by appropriate text extolling the virtues of freedom, isolation and “getting away from it all” If I parked my Motorhome in those types of locations, and someone reversed into me while parking, am I covered by insurance? I’m simply going for a day out, or a weekend away, not a 6 week expedition to Norway. I would be interested to know whether any of your viewers/listeners have had their insurance declined in such a circumstance. If yes, how many? If people aren’t covered, is this the end of the NC500 for the average Motorhome user?
@@junehall2177 it might put me off any wild camping (off road) forest camping and parking in scenic locations where I could get stranded - without adequate insurance and breakdown cover.
@@MikeGibson-Sharpe I'm sorry but the activities you list would all be illegal in Scotland unless you have the landowner's permission to do so. The SOAC specifically excludes motorised activities & The Trespass Scotland Act 1865 would make this a criminal offence, again, unless you have permission. I should check out your insurance, most specify no off road or illegal activity or both.
@@MikeGibson-Sharpe Unfortunately there is widespread misinformation on this subject & I'm talking specifically about Scotland. As you say many glossy pictures do indeed show these misleading images, they may have had the landowner's permission to take said images but do not make this clear to their prospective customers. This is unfair & could lead to customers unwittingly breaking the law &/or invalidating the hire companies insurance to huge cost to themselves.
IF YOU PULL OFF ROAD INTO A LAY BY WHICH IS NOT MARKED WITH A P NOTICE AND THE PARKING AREA SUBSIDES AND YOU TUMBLE INTO A FARMERS FIELD WHERE YOU OBVIOUSLY DO NOT HAVE HIS PERMISSION ARE YOU COVERED.JOHN GARDNER
I think MoHo owners who go off road or even on very sloping areas should be aware that moHo’s tend to be top heavy due to the high up cupboards, electric beds, overhead beds etc. and may be more susceptible to rolling that the equivalent van
Very good point! Thanks for commenting and watching
Hi Matt, I think a couple of good people to speak to about their Motorhome insurance cover is Steve and Lyndsay afor the Roaming Radfords channel. They go abroad for 6+ weeks in the summer and they wildcamp as well as stay on campsites. If I remember correctly they also park their 9m Motorhome on beaches and drive the vehicle on some “less than perfect” roads.
Steve/Lyndsay could explain which insurance company they use and why they chose that company. I think they make sure they are fully covered before they travel abroad.
I’ve never heard of them 🤣🧡
This was previously deleted from this comments area - Interestingly RIPE Motorhome Insurance mention nothing in their T&C's reference off road !
I believe it’s an area that most insurance brokers don’t have real detail on. The boom in off road capable motorhomes puts this topic in the spotlight. I think it’s always been accepted that a leisure vehicle will be taken off the road to a campsite for its intended use. But the statement off road is now evolving to new uses as in the example of the Hymer MLT that rolled over.
Underwriters need to offer clarity so brokers like Ripe have some detail to give the policy holder.
Thanks for the reply, still not convinced the insurance industry are being proactive. This is not a new thing to go off road!
Hard question are alway avoided ,so askjed when to late ?
🎉Hi Matt, yet another great thought provoking vlog.
Further to my previous comment on insurance (NFU). There appears to be no clear definition on what constitutes “off road”. The DVLA, within SORN, would appear to define it as anywhere other than public highway. Every other description seems to related it to green laneing, or up to the axel activities.
I think generally all we want to know is, if we hit another vehicle, or reverse in to a tree on a campsite, will my insurance cover the repair on my vehicle if I am the one at fault?
With regards the table, I did email you with questions regarding the securing of items while travelling. My concern was the number of vloggers that appear to travel with heavy power packs just left between the driver and passenger seat so as to reach the 12v power socket (cigarette lighter, in my day). The law that covers your table is one and the same, a load must be secure as to not cause damage or injury that could also escalate a situation into a major incident.
Regards Phil
Ps I haven’t worked out yet how change my comments ID from numbers and dashes etc.
Thanks for commenting Phil.
As Jason says in this piece it’s about intended use with permission. I guess common sense plays a role. But more clarity is certainly needed.
And you are right about secure load. Again, common sense! We strap our portable power pack down and restrain it from sliding forward.
Hi Matt,
Thank you for your response.
i listened again, I heard Jason say that cover was provided to site as long as you had permission. You did not ask, and he didn’t mention if cover included movement on site should you have to move round site during your stay to top up water/ drop grey water and return to your pitch. Are we to just assume we are covered?, potentially a big mistake!
Further more , I have some concerns with Jason’s confidence in the ability of his 4x4 when it comes to towing his caravan off tarmac. Having spent 10 years towing fuel bowsers and generators, be they road tow or on a trailer, off road, with a Land Rover, for the Utility companies, I can assure him they have limited capabilities. Too many have an attitude of invincibility with a 4x4 , hence they are usually the first in the ditch on an icy morning.
Hope to see you at Malvern this weekend.
Phil
Do pop by the stand 163 That Leisure Shop. I’m speaking throughout the weekend too in the advice centre. See you there!
Hi Matt, in Scotland to occupy private property in a vehicle without the landowner's permission is trespass therefore I doubt any insurance company would be keen to pay out as this would be classed as use for an illegal purpose, hence the no off road clause most insurers include. Driving onto a campsite would be okay as you have the landowner's permission & are paying for that right.
Insurers cannot "keep pace" with an illegal activity, it's as simple as that really. Even with permission from the landowner, I think you would still need to check out insurance & probably get extra cover for such activities. Also, if broken down off road, your recovery could very well be a problem as the breakdown recovery vehicle could fall foul of it's own insurance.
NO TRESSPASS LAW IN SCOTLAND
@@JohnGardner-f3g Unfortunately there is, please check out The Trespass Scotland Act 1865 & note that The Land Reform Act specifically excludes motorised activity.
Always check the small print! Trespass laws are real. Make sure you stay the right side of the law and enjoy the journey
@@MotorhomeMatt Hi Matt, just watched your video, I commented before watching it so I wasn't just repeating.
Just listened to this on the train so I might of missed a little bit but did Ripe Motorhome Insurance make a comment?
Question should all campervan and builder make a forum to contedt the 15 minute cities planned?
I have a feeling you might.
Question, Given you have been insured for some years to an insuter,What right do they have to change an insurance as you have a contract,an agreement, so why do we allow insurers to change policy?
It’s a good question. I guess they issue their own terms and I am free to shop around
Contract law is about being of sound mind and a meeting of parties to agree, so being told you no longer can get insurance without a tracker, is in breach of a contract, because you have evidence of continude agreement, few know this,this is why there soon will be massive cases against forced mask waring on emplyment contracts, many where coerced into altering employment contract, fauls narritive of being informed,2018 increased how much can be earned if you get into law, as it was clear courts will be filling up as they are now, hence the release of prisoners ready to put fear into waken people lol, campers are slow to catch on what is going to happen to ouyr freedoms on travel my friend.
Hi, I hope Matt enjoyed the New Forest Show. My brother had 2 antique stalls there, and I was helping out so I was there for all 3 days. I only live 5 miles from the show ground.
I am driving a car from Calais to Séte south of France, to get a ferry to Mallorca with my dog. Sorry it is in the comments, would I be allowed to possibly use French Aires on route as stopovers would you know. I have been subscribed for nearly a year now. Always fantastic information. When I can I am looking at buying an Elddis 135, for One Man and his Dog later on. Again Thanks.
French law dictates that aires are only for motorhomes.
It was a hot week at the show wasn’t it!
@@MotorhomeMatt I was based by a main entrance of the Antique Tent by the Doormobile stand, very hot but occasionally a bit of a breeze in the doorway. Thanks for the French Aire information.
I'm more curious of the instance of wild camping (say in Scotland). You are not necessarily 'trekking' up a mountain, but you are definitely off a main road. I'm still unclear what is and isn't covered.
Wild camping in Scotland specifically excludes motorised activity so that isn't a problem. If occupying private land in a vehicle without the landowner's permission then it is trespass under The Trespass Scotland Act 1865. Many misunderstand the SOAC in Scotland, I'm afraid.
If concerned check with your insurer. But make sure you are clear on the rules of parking up. Wild camping in a motorhome is like wild swimming in a bath! It’s a joke of course but rules to apply.
Came you recommend a good insurance quote
Always go for a mainstream motorhome specialist policy. I am happy to commend Ripe Insurance and Caravan Guard
Interesting subject. A well evidenced gap in the insurance market. Sadly most people will not care as they will be unwilling to pay more and prefer to take the risk, even if such insurance products were made available. Of course the wealthy with flash vehicles would pay for it, but they are not really the people extra insurances help!
As a former Military man, trained on courses for driving small and very large vehicles off road, of all types, I worry, that the current trend, see’s people driving in places they should not be, as they have no understanding, let alone knowledge or experience and training of ‘Off-Road-Driving’.
If you buy a Land Rover or Range Rover, you are able to get a course from the manufacturer. Maybe off road van companies need to start giving such instruction as Land Rover does?
But, as an example or reality, forget off road, just look at the amount of motorhomes and camper vans now used in winter months, seen without winter tyres or rubber windscreen wipers graded for winter, shocks me. It is either unintentional ignorance or deliberate ignorance to save a few pennies, by not swapping over tyres and wipers (let alone all the other equipment for winter driving).
Sadly, most Britains even with their cars do not prepare for winter to save money, as to save life, they don’t value above saving money; absolutely crazy people! Regardless of money, life saving comes first and if you can’t afford it, don’t do it and don’t drive in winter conditions. Same as, no experience of off road, with no knowledge and no training, then forget doing it. It really is that simple and can be life saving.
Great advice! Great observations. This is a huge topic and trend. Thanks for commenting.
I have all terrain tyres on my campervan. It is my everyday vehicle so is driven in winter although I don't camp in winter. Are all terrain sufficient?
What is the definition of off road ? We regularly use small gravel roads to access small parking areas across the uk whilst these are shown on google maps would they count as off road ?
This needs more clarity doesn’t it! Jason does explain an insurers view in the episode
@@MotorhomeMatt If it's not tarmacked & maintained by a local authority then it is off road & in all probability private property.
Insurance companies are always finding ways to not pay out, I work on the principle that they will not cover me for anything so have the minimum to cover to satisfy the law and third parties. Even if they pay out they rip you off next time you have insurance or add excess. most of the time what ever they pay is recovered within 5 years plus some.
Totally agree.
A commonly held view but not my experience. Is this your experience? How many claims have you had refused? How many claims have you had approved and what did that to your premium?
@@MotorhomeMatt Hi Matt, Great channel btw.
I guess it's a commonly held view for a reason?, Anyway I'm retired so have held a driving licence for 45 years plus and been a professional driver too, So have done maybe a few million miles on the roads around the UK and Europe I also have family who drive plus friends and colleagues who drive too. Normal I guess so if you ask around people talk. I could pick many cases including your story of the van that rolled over 🙂 but as I have always gone for the least cover so have not made a claim personally ,Must be my driving 🙂 but I have many people I know including family that have claimed and regretted it due to the addition costs after ie Excess and increased premiums after the fact.
One case was my mother who had fully comp hit someone in the rear at less than 4 miles per hour so was a scratch to both vehicles (no air bags going off btw,) by the time the insurance company had finished my mother after 5 years had paid for the damage plus some, She has never had fully comp again.
Then even your own story where insurance companies add causes to the contract, the small print goes on and on. Depending on what type of person you are I would say on the whole just cover for the really big pay out ie if it's stolen and third party and anything to satisfy the law. I guess if you feel you pretty hopeless at everything, could not put a light bulb in a lamp then get your self covered for everything so someone can help them at everything they do in life. It's also good for those who just want to go somewhere without doing much research and let others guild them through life. If you can not fix a car then buy a vehicle warranty I guess. If you are clueless that so parts of Italy etc have a high crime rate then cover yourself for theft of you phone and power lead, I have met many people that should have personal insurance for everything they do in life 🙂
Personal choice and I'm all for that. 🙂
If a motor vehicle, of any kind, is purchased on finance isn’t the purchaser bound by the terms of the loan to maintain full comprehensive insurance until the loan is paid in full?
@@Phil.O.Sophical Mainly for the reason that the finance company owns the vehicle so it's in thier interest to have everything covered and making the person who drives it pay makes perfect since for them.
Hi Matt. An excellent episode as usual. I’m still confused about what “off road” means. After your earlier episode on the Hymer accident, I looked at the manufacturers website and Facebook pages and there are lots of photos of motorhomes parked off-road by a lake or at the coast, or next to a beach. These photographs are accompanied by appropriate text extolling the virtues of freedom, isolation and “getting away from it all”
If I parked my Motorhome in those types of locations, and someone reversed into me while parking, am I covered by insurance? I’m simply going for a day out, or a weekend away, not a 6 week expedition to Norway. I would be interested to know whether any of your viewers/listeners have had their insurance declined in such a circumstance. If yes, how many?
If people aren’t covered, is this the end of the NC500 for the average Motorhome user?
I wonder why this would be the end of the NC500 for the average motorhome user ?
@@junehall2177 it might put me off any wild camping (off road) forest camping and parking in scenic locations where I could get stranded - without adequate insurance and breakdown cover.
@@MikeGibson-Sharpe I'm sorry but the activities you list would all be illegal in Scotland unless you have the landowner's permission to do so. The SOAC specifically excludes motorised activities & The Trespass Scotland Act 1865 would make this a criminal offence, again, unless you have permission. I should check out your insurance, most specify no off road or illegal activity or both.
@@junehall2177 Hi June. Thanks for your response. An excellent, clear and comprehensive explanation of the law.
@@MikeGibson-Sharpe Unfortunately there is widespread misinformation on this subject & I'm talking specifically about Scotland. As you say many glossy pictures do indeed show these misleading images, they may have had the landowner's permission to take said images but do not make this clear to their prospective customers. This is unfair & could lead to customers unwittingly breaking the law &/or invalidating the hire companies insurance to huge cost to themselves.
IF YOU PULL OFF ROAD INTO A LAY BY WHICH IS NOT MARKED WITH A P NOTICE AND THE PARKING AREA SUBSIDES AND YOU TUMBLE INTO A FARMERS FIELD WHERE YOU OBVIOUSLY DO NOT HAVE HIS PERMISSION ARE YOU COVERED.JOHN GARDNER
Just imagine? That’s a very specific scenario! Perhaps check with your insurer. Better still keep off the soft verges!
legalised thievery! insurance in the UK
It’s a necessary expense isn’t it! I can understand why there is an increase in uninsured drivers! We reported on this recently