Member Stories : The £3,000 Mistake I Made When I Skipped a Policy Detail, What I Wish I’d Double-Checked Before Renewing My Campervan Insurance

You know that feeling when you think you’ve ticked everything off your to-do list, only to find out later you missed the most important thing? That was me last summer…and it cost me £3,000.

How It Started

I’d just renewed my campervan insurance. I’d been with the same company for years, so I didn’t think twice. The email came through, I skimmed the details, saw the price hadn’t gone up much, and clicked “renew. Fast forward two months, and I’m on a road trip in Cornwall. Life was good until it wasn’t. Somewhere near St Ives, my beloved VW camper decided it had had enough. The engine gave up, and I was stranded on a narrow country lane. No big deal, I thought. I’ve got breakdown cover. I’ll call them, get towed, and be back on the road in no time. Except… I didn’t have breakdown cover. Not anymore.

The Detail I Missed when I renewed my policy, I assumed everything stayed the same. But the insurer had changed their packages, and breakdown cover was no longer included by default. It was an optional extra,and I hadn’t ticked the box.

The recovery truck alone cost me £450. Then came the storage fees while I figured out what to do, and the repairs? Let’s just say the final bill was just over £3,000. All because I didn’t double-check one line on my policy.

What I Learned (So You Don’t Have to)

  1. Never assume your renewal is the same as last year. Insurers change terms all the time.
  2. Check the extras. Breakdown cover, European travel, contents cover don’t assume they’re included.
  3. Consider the real cost of being underinsured. Saving £50 on your premium isn’t worth a £3,000 bill.
  4. Talk to a broker. They’ll make sure you’re covered for what you actually need, not just what’s cheapest.

Talk to Howdens and let the experts guide you though the process: 

 

https://www.howdeninsurance.co.uk/introducer/motor?int=11089

 

You can also get another discounted quote form Adrian Flux too. Adrian Flux are happy to offer all members of the Campervan Festival up to 15% discount off their insurance quotations. We have a professional and friendly dedicated owners club team

that will be happy to assist you with your quotations. Give the team a call on 03443 819969

and mention Campervan Festival Guide to receive your discount.

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