Post by 1954homemade on Aug 28, 2008 15:10:27 GMT 10
For our cars (daily drivers) - we were insured with Shannons about 4 years ago, but then moved to Vigil as they were approx 40% cheaper. We stayed with Vigil for 2 or 3 years, when they were bought out by another company and their premiums sky rocketed.
During this time we tried in insure the caravan with both companies to no avail. So we tried GIO, who we have other policies with - they were great and insured the caravan, annex and listed contents.
Therefore when the price went up sooooo much with Vigil we asked GIO about the cars, only to find that they were even better than we had been paying Vigil.
So we have been with GIO since then for everything and are very happy.
With having numerous insurance policies we are always on the look out for a better deal.
Guys, just a small update. I have spoken to Anthony at Shannons again and he tells me that he has passed our interest along "to the relevant department" for research. I will follow up again next week to see what, if anything has developed. What i do know is that they are happy to insure my van (Alby)
Not sure where you are coming from but I voted no. Why try to put the train on the rails when it was never off it? I currently have two of our Vintage caravans insured with Shannons and a car and a truck, so I am not sure why the request for a better policy when Shannons are already excellent. Austin125
vote us in , we have all our insurance through shannons 2-5 cars depending on money to rego,2 vans were extras on cars, house/shed , road bike1-2 reg / money thing again,so shannos would be good long as its not over restrictive , were a young family and like to holiday and cannot afford a new van just to go camping so ristrictin on using the old girls would hurt but a good cover would be even better. Pymie ps shannons would never insure van as a seperate policy but happy to add on car policy as extra but the cover is very limited and has very tight confinments which really make it useless but some cover is better than none, so we still need to hit them up about dedicated insurance , others should read there policys over and over to see what they have not just think they have cover.
I'm afraid you might have missed the point as this assumed prior reading of other insurance posts.
These posts highlighted VERY clearly that Shannons (offices around the country) do not know their own rules and many people had other problems with other companies. Many members were not able to get satisfactory answers and were told by Shannons that they do not insure vans.
When i rang to clarify all of this Shannons told me that they DO NOT have a van specific insurance policy. Instead they "adapt" their car policy to suit and this is why some people get told no. Hence this thread to demonstrate to Shannons and any other company willing to listen, just how much business they potentially overlook.
Thanks for your interest anyway!
P.S for anyone else not sure about this thread, please refer to previous Insurance threads for a background before voting..
HI All, I aproached Shaonns at The South Coast Nationals in Moruya at the weekend I had my Car ansd Van on show. They allready cover the car and i asked about the van . The rep said (after checking it out) that Yes insurance was no worries and will send a policy for me to check out .I think it will be added the car insurance and he gave the impression that will insure vans if there is a vintage / hot rod ,etc. car to tow it. I will let you know how i go. P.S. Also won the Shannons choice award at the show. Cruz.
Hi all I currently have 3 vehicles (2 historic, 1 modern) and my vintage van with Shannon's. At present, am very happy with them, as I have one policy for all, so am not looking for dedicated VV insurance. However, in saying that, the idea is a good one. Cheers Steve
Hi all, We have 4 cars currently insured with shannons and have been extremely happy with the premiums we are charged. If they were to consider vans and TDs as well then I would only be too happy to have those insured as well. cheers HKnut
Post by minicamper on Sept 10, 2008 6:47:33 GMT 10
An update for you following further discussion with Shannons..
I contacted them to see what was up and to organise insurance for my Alby.
The long and short of it is that its a slow process.. So i guess that's no news on that front..
I did however get Alby insured for agreed value. When they offered a policy, discussions were had around the definition of extreme restricted use. It seems that Shannons are relatively flexible on this, the point being that it means you can't use your van all the time, but a week or two away for a holiday every now and then is no problem, nor would a fortnightly or monthly use be.
If you were going an an expedition you'd need to negotiate with them, but i can't see most of us using our vans that frequently.. If only we all had the time..
When you add in the number of cars and vans many of us seem to have collected, the usage really becomes a non issue, but again, its up to you to negotiate and or decide whether whatever product is offered by whichever company suits you.
For now I'm happy, but am still on their case, so keep on voting and adding your posts. It all adds to the justification for providing us with a suitable specific product. I'll keep you all posted..
Interesting comments from Shannons about longterm use as opposed to a couple of weeks. Doesn't make much sense really.....I suppose they have their reasons....it would be good to know what they are . I hope that same reasoning isn't hidden somewhere in the small print in our car and motorbike policies as well..."we'll insure you, but don't drive to far or for to long" ;D ;D ;D
Shannons do offer house policies now, so maybe if you change your Lot number to a registration number, that might work (permanent address, "Australia"). ;D ;D ;D ;D
Keep up the good work anyway Chris.
Alcohol may not solve your problems, but neither will water or milk
I am sure that insurance co's base thier level of cover or acceptance of your proposal on a "risk assessment". Besides the usual barrage of questions you get about age, postcode, driving history,criminal record ( fraud) , claims history when getting a quote. From the information you give them they gleen just what level of risk you and your van will be to them.
They weigh up the "likelyhood" of you having an accident/incident and hence making a claim. and the "consequences" if you do make a claim.
We all know that if you declare that you only use your van "on the odd occassion" then the "Likelyhood " of you having an "unfortunate event" is greatly reduced.. . However.... the "consequences" will remain the same...If you do have cause to make a claim There will be the same sort of damage, loss and payout no matter if you have been towing your van for 5 minutes or 5 months.
It is with this in mind they calculate the premium and consider wether to accept you as a "risk" or not. Its far easier for a insurance co director to issue a blanketing company policy that states ." due to the low volume of policies likely to be taken out and the level of risk associated with covering this type of vehicle .Under no circumstances will we be covering old, vintage, classic caravans. "
Keep in mind what i said before about dubious couplings, frail suspension and chassis, unconventional cooking appliances and fuels , construction materials and poor security of the contents of these old vans all pointing towards the insurance co's classifying them as "high risk" vehicles
Motor cars and Motorcycle policies would number in thier thousands and the money raised from policies would cover the number of claims made each year. Not sure if that would be the case with old vans.
I really dont see any attempt by us to sway that train of thought having much bearing on insurance company attitudes towards old vans However we have seen what the noisey minority protesting loudly can do........If we keep it up long enough .. someone higher up in the decision making world will listen ...... then act.
Post by minicamper on Sept 10, 2008 12:51:00 GMT 10
Reddo is pretty much spot on with his comments of risk factor, however I disagree with the comments about dubious couplings, and frailty etc. Obviously to be registered, it is the owners responsibility to ensure any vehicle is roadworthy and safe to be on the road and our vans are no different. If the towing equipment (hitch, suspension etc) were period but not up to the required safety standards, then I'm sure they would legislate (having brakes now for example) If you had an accident and the van was unroadworthy, guess who wouldn't be covered? And rightly so i say!
A modern fibreglass van will go up in flames just as quick as an old one if a "fuel" leak occurred so thats not really an issue. The contents however, are. Not necessarily because of the security aspect, but the actual worth, hence the restriction on cover of them.
Shannons approach with vehicles is insurance, restricted use insurance and extreme restricted use. Various factors dictate which is applicable and again comes down to risk. With van, they add in a "static" type policy for vans not being towed everywhere (onsite). As they said to me, they have to trust us with the usage if its a restricted policy, as they have no way of knowing how often any vehicle has been used. Hopefully people don't rort them. Personally, I have too may vehicles and vans to be able to exceed their conditions so its not a problem for me.
As far as us swaying their minds, I don't see that we have to do much. They would, i presume make an initial assessment, then if they got bombarded with claims, increase the risk, and on the flip side, reduce the risk if we pose a low threat of claims. No different to any other vehicle.
In my experience in the classic and vintage car arena, most of us are fastidious and cautious with our "babies" and are unlikely to be reckless. The rest is up to fate i guess and i don't see that the majority of us would use our vans really that much more or less than the average family in their Jayco, just ours didn't cost $40k...
I have today written to the Southern Regional Manager as I have not had a response from Shannons, other than the discussions I initiated, which i feel is unprofessional, even if the answer ends up being no. If that get s no response, she'd based in the Melbourne office (which isn't much of a detour on the way home) and will get some visits..
we have 3cars with shannons and have been happy with their service and price but to this momement have never needed to make a claim, that is where the proof really is. hav been thinking about insuring the van.
Post by minicamper on Sept 16, 2008 11:24:40 GMT 10
GOOD NEWS to report!
I spoke to Shannons today on a Model T Ford Club related issue and in the process, had to speak to the Victorian Business Development Manager.
I took the opportunity to push our "Insurance policy request" barrow and Richard was very keen to get on board and investigate what can be done.
I will be forwarding Richard links to this and other van insurance related threads for him to read, so slick your hair down, have a quick scrub, and put on some clean tracky pants etc so he can see how nice we are. ;D
Post by Roehm3108 on Sept 16, 2008 19:52:37 GMT 10
I am wondering why we are so keen on chasing Shannons for VV insurance. I have PM'd Chris some time ago telling him that MHIA Insurance Agency is very keen to put together an insurance package for vintage caravans. They specialise in insuring caravans and mobile/manufactured homes. I have had my vans insured with them for several years and am very happy with their rates. I see boblor also has his vans insured with them.
Why, when such an offer has been made, are we not hearing about this?
Post by minicamper on Sept 17, 2008 15:15:05 GMT 10
Its not that they don't so insurance, they actually do. It started from their offices giving different people different answers and conditions. The purpose of this thread is to get them to fix their inconsistent approach, and then encourage them and other companies to come up with a policy specifically suited to our needs, not and adaptation of another product, which many companies do.
Post by Roehm3108 on Sept 17, 2008 17:42:49 GMT 10
I pm'd you with that approach, and you told me you would discuss it with Mark while you were in Perth. I also advised you that the Managing director of MHIA was going to Perth on other business and gave you the dates in September that he would be over there and would be quite happy to discuss this with Mark. I never had a reply to that message.
So, to my way of thnking, the approach has been made, where I felt it should have gone, after this thread was started. As I told you in my initial message, MHIA discussed this with me in early June, but as the site was closed down, I felt it best to wait and see what the future of vintagecaravans.com would be. After all, if there wasn't going to be a site, then there would be no point in trying to set up an insurance scheme. The MHIA MD and I discussed the peculiarities of insuring vintage caravans, (bearing in mind that I worked in insurance for 25 years, so have some idea on insurance needs) especially the possible need to incorporate cover for things that may not apply to current vans, and there are many of them. MHIA indicated that they were prepared to sit down and package a policy that would suite our special needs. You really can't ask for more than that.
Going by the posts in this thread, Shannons, by past performance, are not very keen to insure our vans, or else they would have made an approach to us earlier. If another company is interested, then we should at least hear what they have to offer, and people can then make their choices. So far, that has not happened.
I don't agree that we should wait for Shannon's response, before we explore other avenues, as you are suggesting - sorry.