The Hymer MLT motorhome that rolled over
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- เผยแพร่เมื่อ 7 ก.ย. 2024
- In today’s episode, Matt and Keith investigate a recent incident where a Hymer MLT motorhome rolled over in the Gorafe desert. Despite the vehicle’s robust four-wheel drive, a failed hill climb led to the motorhome rolling onto its side. Thankfully, its owner, Michelle, her husband, and their dog emerged unscathed.
Michelle sheds light on their experience with their insurance company, which denied her claim for repairs. Matt delves into the specifics of Michelle’s insurance policy, revealing the complexities and potential pitfalls of motorhome insurance cover, especially regarding off-road incidents.
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Finally, in the Q&A, Sally from Perton is looking for an insurance company recommendation, Tom from the Republic of Ireland wonders about insuring a motorhome jointly owned across borders, Fred from Carlisle needs a reliable recovery service for the UK and Europe, and Bob from Luton asks why not invest in better sanitation and water points on the NC 500.
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I think you guys are marvellous. With all the information you give out
That’s very kind of you to say so thank you Ken. Delighted you are enjoying it! It’s a great pleasure to do it and have people listen and watch! Thank you
Does this insurance off road exclusion mean that you are not covered in many camp sites or even a lay bye if there is an incident. What does off road mean in the small print.
Great Question, I can’t wait to find the answer 👍 we are off road at a THS (Temper Holiday Site) with the caravan and camping club, well off road in a country park 😮
I will be asking exactly this of several insurers. A can of worms may have just been opened…
@@MotorhomeMatt too right, the first thing that happens when we get to our destination, immediately off road 😮
Insurance companies in my experience will try and use the small print to avoid paying out claims!
Read all the small print and ring your insurance company with the slightest doubt and ask questions. Write everything down they say and get a name. If not happy change insurance company asap.
Hi Matt, we spoke about this before, do you remember ? The point being that most insurance policies also carry a clause forbidding use for "any illegal purpose" & this would include off road without the landowner's permission because this would constitute trespass. But if off road on a campsite, etc, you have the landowner's permission & are there legally.
I’ll be speaking with quite a few insurers about this
Disgusted at the attitude of the insurance company... thank you so much Matt for reasearching n assisting, priceless mate, well done 🚐🏴😎🙂
Thank you! It was an interesting journey! But now I have even more questions!
@@MotorhomeMatt at some stage in the responses from the insurance companies by them stating “we value our loyal customers and pay out on 99% of claims. But I suspect that is statistical smoke and mirrors.
For example, 1000 people have accidents and phone their insurance company. The advisor asks for details and verbally tells 900 customers “sorry, you’re not covered, you cannot claim for that accident, goodbye, go away”. The other 100 are told that they need to complete a claim form and send it in. Subsequently, one of those claim forms is rejected.
So the insurance company can legitimately say they pay out on 99% of claims. But what about the 900 people who’s claim/request for assistance were rejected before they get to the formal claims process.
So the real questions are how many people contact you to make a claim not how many fill out a claim form.
Great video Matt and thanks to Michelle for bringing this forward. This really does ask some big questions as to where our vans are covered as soon as we leave the main highway and where is off grid for the insurance. All these folk who go down to small beaches off the beaten track, well??
Exactly yes! Thanks for commenting and watching
There are many Caminoes in Spain which are dirt roads but are also public roads. Maybe in this case it could be classed as a public road.
Perhaps. But how would you know if you were on a designated highway or not and thus insured? More questions!
Camp sites, pub car parks, Aires, Farm track, come on where does this end....
Indeed! I hope to find some clarity on this.
Simple really, any motorhome or campervan registered in Scotland should be subject to a charge when driven over the border into England, because there are many such vans owned by Scots, and it MUST be reciprocated when they are driven south over the border
Love this lol! Can we do the same with the Welsh? And those from Kent?
Hardly surprising that your Motorhome insurance doesn’t cover you for ‘off road use’ even if it has four wheel drive capability, the description of the terrain they were trying to take it on sounded far from ideal & clearly challenging in a motorhome 🤔
It was unfortunate that it rolled over. What constitutes off road is the question
If you think standard motorhome insurance is complex, I suggest you take a look at motorhome warranties, what is/isn’t covered and what it actually costs to “maintain” that warranty. Then have a look at the cost/benefits of extended warranties. I think that will open up a can of worms. Reading comments on some of the motorhome Facebook groups, some people have had awful experiences with dealers/manufacturers
Thanks for watching and commenting. Yes warranty is a huge topic. I find it’s as much about the willingness of the dealer to help and find a solution.
I think phone calls should be recorded so you should ask for a data access request for the information they have on you including these phone calls although I think they might transcribe it rather than give an audio recording. Blackbelt barrister did a video on it recently with regard to an insurance company and building insurance that they would not pay out on..
Great comment thank you
I’ve just done a Quick Look at motorhome ins websites, just says European cover, some actually mention minimum required cover for travel, which is 3rd party, who would want that on a £100,000 motorhome. Even went on to some policy documents, no mention of road, etc. why can’t it be so easy to say I want fully comprehensive across UK, Europe, and no is it or isn’t a tarmac road.
Imagine going to Africa where tarmac roads are a rarity.
So what next going to a specialist insurance company that deals with 4x4 cover for going “off road”
I have a question, obviously Michelle was using a satnav and this was identified as a route/road on that system.
It’s a grey area isn’t it. I agree, it needs to be much clearer especially as our vehicles become more capable of exploring off the beaten road
I believe the only insurer that covers vehicles off road e.g fields, private property etc are NFU mutual, this is because their customer base is farmers. Exclusions do however include the likes of the Nürburgring and rallies though.
Our Horsebox is insured with NFU but not because of the off road clause but simply due to the cover given to the horse in transit. But now, we have more reasons to consider our provider!
Hi Matt, I thought there was a greater focus on making legal documentation simple to understand. Realistically, who honestly has the patience to read 37 pages of legal text only to find out that you aren’t covered for what you paid for. Any exceptions need to be simple, clear and easy for everybody to understand. Not berried on page 37.
Secondly, I’ve been on several UK campsites where there are obstacles (large rocks/posts etc) at the side of their gravel/dirt road leading to their pitches. As these are not main roads I assume any claims for vehicle damage would be rejected by the insurance company as the motorhome user is driving “off road.”
It’s sad to say, but my first thought when thinking about insurance claims is that whilst you think you are covered, the first thing the insurance company will do is automatically reject your claim, and make you fight for the money.
I suspect my cats have better cover on their insurance than my motorhome policy when it comes to actually making a claim.
Sadly I had to spend the time to read the document in full! Never done that before on my own policies.
This episode has opened a can of worms it seems. I hope to get some comment from insurers for a future episode. It seems ridiculous that we are not insured driving ‘off road’ to a campsite for intended purpose and use.
As for your cats… 🤣👍🏻
I'm summiting that if you wild camped off the main road, you would not be insured. Which is ridiculous.
Clarification is needed for sure. It’s a future topic
What was the ladies details for Instagram or TH-cam, I remember watching her video on this accident but can't find it now
@m.xplores is Michelle's account
It looks like an unmetalled road to me. Still a road, but not tarmaccced. Maybe Michelle could confirm if this route was a road. We have many unmetalled (untarmaced) roads in the UK, Byways and UCRs, many muddy and rocky, but all remain as legal roads.
I am asking several insurers for clarification on this.
Ripe will not insure your motorhome/ camper van if you do not. have access to another vehicle.
That’s interesting to hear. I would not be surprised as a motorhome is a high risk to cover and not considered your daily drive.
@@MotorhomeMatt perhaps the main reason for insisting that you have to have another vehicle is so that they don’t have to pay for a hire car while your vehicle is in the garage for days, weeks or months. Nothing to do with a daily runaround. Mitigation of potential cost incurred by the insurer.
Tourism tax is a cash cow, will it be ever used for infrastructure
As for Spanish situation, the issue there is the cash generated by tourism is not going into the local economy.
I guess it could be like Road Tax… doesn’t pay for road repairs?!