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Insurance
Mar 15, 2015 8:39:43 GMT 10
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Post by lindaadark on Mar 15, 2015 8:39:43 GMT 10
Hello. I recently just purchased a 1964 custom caravan. It was apparently built by a guy in ipswich who built a few as a hobbie back in the 60s. It's in wonderful condition, but as this is my very first vintage purchase I was wondering who to best insure it? A lot of the mainstream insurance company's won't insure something more than 30 years old. Any advice would be appreciated!
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Post by shesgotthelook on Mar 15, 2015 9:39:46 GMT 10
Hi Lindadark, this really is a volatile subject & you will get different answers from the same companies! Have a read of this thread; vintagecaravans.proboards.com/thread/7896/caravan-insuranceMine are all with Shannons & it has been painless but others have not had the same experience as you will read!
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Post by Don Ricardo on Mar 15, 2015 22:52:06 GMT 10
Shannons will only insure you if you have a collector vehicle insured with them... True Firefighter, and sometimes not even when you do have a collector vehicle insured with them! I think the conclusion we came to in the thread SGTL referred Lindaadark too still holds true - different answers are given by different companies depending on who you talk to. You just have to ring around and find out which company will insure you and ask plenty of questions to make sure that you are properly covered for how you will or might possibly use your van. By the bye, prompted by Lindaadark's query today, I rang RACV to see if they would insure our van if we chose to change our insurance to them. The answer after consultation with a supervisor was "Yes, we will insure your van. We don't have any age restrictions providing the parts for your van are readily available from a supplier". On a 1949 van?? When I said that all the parts weren't available off the shelf but could be handmade, I was told that that wouldn't meet RACV's standard of providing repairs to the van without a reasonable delay, the implication being that they wouldn't insure our van... The saga continues! Don Ricardo
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Post by DC3Td on Mar 16, 2015 5:44:12 GMT 10
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Post by shesgotthelook on Mar 16, 2015 12:49:08 GMT 10
Again, a can of worms! When I insured the first van, we did not have a collector car, but had had one about 20 years ago insured with Shannons. Geoff, what do you mean by 'you cannot use your van privately'? I have no such restrictions. I also have salvage rights. I agree, they don't cover the contents, but as the contents are vintage also, they are not easily replaced. Therefore, I don't believe RACV would cover your contents either? Mainstream insurance companies would probably also depreciate the value of your van over time. What we really need, is an example of someone who has had to make a claim & what the outcome was.
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Deleted
Deleted Member
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Post by Deleted on Mar 16, 2015 13:13:19 GMT 10
I have 2 of my vans insured with Shannons,a 1955 and a 1973' Never had any problems and I don't have a classic car. Cheers hughdeani
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Post by Don Ricardo on Mar 16, 2015 15:25:07 GMT 10
Hi Firefighter & DC3Td, Rynoinsurance recreational purposes only...does this mean you cannot put it on display
If your collectable touring caravan was built 35 or more years ago and is used for recreational purposes only, Ryno Insurance can provide you with an insurance quote
Don R sell that old Don and buy a Roadhaven do you have RACV membership
cheers f/f Firefighter - Roadhaven, eh? I wasn't aware that Herbert Pruser was still turning out spares for his caravans... RACV membership? Wouldn't do without it. It's got me out of too many holes - literal and metaphorical in the past! DC3Td - Thanks for posting about Rynoinsurance. It's good to know there's another alternative out there AND that they have a policy that explicitly deals with vintage caravans. About time that one of the companies began to realise the potential for business amongst the vintage caravan fraternity rather than just trying (or failing) to fit vintage caravans into an existing policy option. Re Rynoinsurance only covering vans for recreational purposes as per Firefighter's comment, I would take a van being on display as being for recreational purposes, ie part of a hobby, unless you're getting paid to display. On the other hand I'm guessing hiring a van out for a wedding photo shoot or using a van as a travelling kitchen would be non-recreational. But who knows. A question to be asked of Rynoinsurance and any other insurers. As part of my phone call to the RACV yesterday I asked if vintage caravans were covered by their 'Veteran, Vintage & Classic Vehicle Insurance'? Answer: 'No, a caravan isn't a vehicle because it's not a car'!! Interesting definition of 'vehicle'!! Mind you the RACV's policy explicitly includes stationary engines. Go figure... Don Ricardo
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Post by DC3Td on Mar 16, 2015 16:13:08 GMT 10
We have a rep for ry no at my work who i will speak to tomorrow & see what he says.Whilst he doesn`t own a vin van (shock horror) he does have a vin caddy. gordon
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Post by DC3Td on Mar 17, 2015 15:20:17 GMT 10
If any one is interested ring Barry from RYNO. Telephone number listed ahead.Barry is very well versed in the motor industry be it vintage/classic/current re insurances. gordon
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Post by lindaadark on Mar 17, 2015 17:45:03 GMT 10
Thank you all for your advice! I'm actually in Queensland and I am a member of RACQ (the Queensland version), however, it appears RACQ will not insure anything more than 30 years old. So I'm jealous that RACV does!! I thought they were all essentially the same company. Frustrating that they have vastly different policies between states. I will have a look into Shannons and Ryno.
Cheers all!
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Post by lindaadark on Mar 19, 2015 7:22:51 GMT 10
Ok, so here's how I went so far (FYI): SHANNONS - Won't insure because it's not towed behind a collector vehical for display purposes only GIO - Won't insure anything older than 1976 MHIA - Won't insure touring caravans (I assumed this to mean because I want to use the caravan as a caravan and actually go places with it...) Still waiting to here back from RYNO. I honestly can't believe it is this difficult to insure!!
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Post by shesgotthelook on Mar 19, 2015 8:05:06 GMT 10
Again, different answers from the same company! So frustrating. Perhaps you could try CIL, that's who GIO suggested to me when I first rang them. Just for interests sake, my first policy with Shannons when I had no vehicle; This for a 1964 GlobeTrotter Caravan Type of cover- Comprehensive Agreed Value- $xxxx Usage- Private Excess-$500 Special Policy Features- You have salvage rights on this vehicle Accessories-We do not have any details of any accessories or optional extras you may have. If you would like to specify any please call us on 134646 I don't understand how they offer to insure some & not others? But I did warn you, this is a complicated topic When you think that the new super dooper caravans are worth 50 to 75 thousand & our little vintages avg 5 to 10, the ins. co. isn't taking a huge risk.
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Post by JBJ on Mar 19, 2015 8:15:18 GMT 10
Hi,
I guess it depends on who you talk to at Shannons. I have 2 vintage vans insured with them, & no collector vehicles. When I recently insured my Quest with them, I went thru all the questions about age & useage as I normally have, & received enough assurance to take out the policy. They will not cover vans for continuous usage, but that is difficult to define. The answer I received was that meant staying in the van for some length of time in the same place. Pretty vague.
I know of ( I have spoken with him ) a caravan repairer in Ballina who repaired considerable damage to a Victorian registered bondwood that was damaged in a traffic accident up here on holidays. It was insured with Shannons, & he told me that it was a painless exercise, in his opinion, to get approval & payment for the repairs at the time.
I have found Shannons very good with the couple of small car repair claims I have had, & based on my experiences I can't see why anything would be different.
I guess no one knows with insurance until you need to make a claim, but that applies to most companies I believe
JBJ
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Post by King Fisher on Mar 19, 2015 11:10:25 GMT 10
We are insured through CIL (Phone: 1800 112 481), they were more than happy to insure our '59 home built vintage van, age was no problem. Just required some photos inside and out before commencing insurance. In the mean time, till they got the photos, they even did a cover note. Have not yet had to claim but the truth is that I would be fixing it myself anyway, the insurance is mainly to cover the 3rd party's damage. From memory there is some coverage on contents up to a couple of thousand so long as there was forced entry (ie you didn't leave the door open...)
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Post by DC3Td on Mar 20, 2015 16:21:12 GMT 10
*****UPDATE***** Having discussed the issues vin vanners are finding re insurance you can now speak directly with the man with all the answers from RYNO: Phone Barry on 0466 350 728 preferably outside business hours as his normal work hours are pretty hectic.
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Post by DC3Td on Mar 23, 2015 18:22:46 GMT 10
MEET & GREET the man from RYNO (Barry)this SUNDAY at Catholic Club Liverpool where you`ll find him among & part of the Cool Cruisers car show.All vin vanners welcome.Being a stones throw from my place i`ll be wandering around.
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Post by kingswood308 on Mar 24, 2015 15:39:50 GMT 10
Just rang Ryno, now have the van fully insured, no fuss, no photo's, no dealer valuations, with no BS at all.
Thanks Ryno.
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Post by batmad on Mar 31, 2015 21:24:09 GMT 10
Just insured my 1968 Sportline with NRMA, to agreed value which can be increased once restored. Hassle free and multi policy discounts apply (this is my third). Only had car claims and no hassles there either. Can also include an amount for contents and annexes etc.
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annienpete
New Member
Email now Ammt1961@gmail.com Old address doesnt work. System won't accept new address!!!
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Post by annienpete on Jan 26, 2016 10:06:42 GMT 10
Just insured our van through RAA for its value (orig cost, materials, professional service work) and obviously not including my labour!!! Inclusion in negotiations and options re salvage. Many thanks to Rhiannon on telephone. First visit to country RAA office (pics n paperwork in hand and all) near where we were holidaying was very miserable... no other answer except 'our computer can't accept vehicle manufacture date older thsn 30 years' but 'vintage cars are special exceptions' .... holiday was evaporating fast. Annie
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Post by willies on Jan 26, 2016 17:03:21 GMT 10
We have only had luck discussing insurance on our 1950 homemade with CIL. Shannon's only if I had a car insured with them. Just bought an old car that is going to be insured shortly so Shannon's still an option down the track. Back to CIL, we had to supply photos of the four sides of the van and a COC for the electrics. Well my electrics date to 1950 so it has been a complete rewire for the 240v. Apparently the really old and crumbly flex with the ceramic fuses and the 10amp power inlet under the van just doesn't meet today's code. Go figure. Luckily Arnold doesn't have any gas to have complied. They didn't ask me about the Alladdin Kero stove. About $400 all up for my double pole components and 12 v lights ( off 240v - 12v transformer ) and $110 for the COC. Did the wiring myself from a wiring diagram on the net. About to send my pics and COC to confirm the quote. Less than $150 for $5300 cover. Is that acceptable?
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Post by Rodnet on Jan 26, 2016 18:06:26 GMT 10
Anyone having insurance problems with Shannons re vintage caravan, ask to speak with Dave in Sydney and he will sort it it. You do not need to have any other vintage/collectable/whatever insured with them. I sorted this problem for a couple of other VVers last week
Rod
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Insurance
Jan 27, 2016 14:56:57 GMT 10
via mobile
Post by jp63 on Jan 27, 2016 14:56:57 GMT 10
So today I got around to insuring the van, I first tried RAA as our daily drivers & what we use to tow the caravan are insured with them and they wouldnt do it, said rhe van was too old.
next call was to shannons as the mini is insured with them and had no problems what so ever getting insurance on the van.
I would have prefered to have it with the same company as what we will be towing it with the majority of the time. but any insurance, even with a different company has to be better than nothing doesnt it?
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