Full-timing, insurance, licensing, medical, pets etc
 #40168  by yachty
 Sat Jul 14, 2012 12:55 am
I was told " if unit( motorhome/house truck)caught fire from say cooking or living in vehicle it was not covered under my AMI policy" this was implied that the vehicle was covered for things like crashes but not for general living type accidents. As I said the guy who told me this may have had a vested interest in telling me a half truth
 #40171  by Andycap
 Sat Jul 14, 2012 9:14 am
That`s exactely the impression i got from Ami ,as said previously there`s is only a standard truck policy .Now, it was written down in the policy as a motorhome ,but they wouldn`t elaborate as to anything else that was covered only normal `trucking` type gear That wasn`t good enough to take my $`s any more .
 #40173  by Mark
 Sat Jul 14, 2012 9:30 am
I would imagine that it would amount to fraud if AMI were writing policies covering motorhomes but refusing to pay out on a loss covered by a fire resulting from cooking. The ability to cook inside is pretty much what defines a motorhome (along with sleeping).
I believe somebody may have been telling porkies.
Best solution is to pose that question by email to AMI.

I have been insured by them for the last 4 years and they had no problem paying out on an awning the the wind turned inside out. Not many trucks have wind-out awnings.

But the Movan policy looks good and it significantly less expensive than all the others, so I'm signing up with them, this time round
 #40182  by yachty
 Sat Jul 14, 2012 12:03 pm
I believe I was told something along the lines of " beware some things are not covered such as a cooking fire". From my understanding they cover as general truck which to me means the cover basic damage ie body work. Mark you may have been lucky as most accessors only know vaguely what policy's cover and classed awning as truck body. Maybe I don't really know how they fully work.
 #42404  by Deigh
 Sun Sep 16, 2012 11:54 am
cherokee94nz wrote:Did you ever wonder if the person that fixed your charger, was not the most truthfull on the cause of the damage.

I had simmilar problems with a 50amp charger, that was just out of warranty but had only been used less than 7 times due to build of motorhome. To make it worse it had to be returned to the maker for repairs, bue to the capacitors not having any values on them, and the manafactuer refused to supply a circuit board, so my local radio tech could fix the burnt out parts.

I'm interested about the fact that you didn't know what caused the water damage to your charger, We had a similiar situation in our 'bus. In fact we blew up two chargers. There was obvious water damage on the circuit board and I presumed it had begun as a leak in the roof. I couldn't pin it down so built a cover (converted a sistema plastic container actually!) over the unit to protect it.

Then one day by accident the truth emerged. It was steam from the kitchen kettle finding its way through a gap in the dividing wall and condensing on the steel charger cover. We remedied it by sealing the gap and just being more careful with the kettle steam. Perhaps your cause was the same!
 #42405  by cherokee94nz
 Sun Sep 16, 2012 12:49 pm
My charger in under the bed, well away from any moisture.
 #42410  by octaviao
 Sun Sep 16, 2012 3:43 pm
We were with the CMCA insurance scheme in Australia that was with Lumleys for about 9 years and similarly with the NZMCA in New Zealand. Only had one claim with each and all I can say is the service has been excellent and claims no bother.
I have never bothered to get other quotes and if it is more expensive then from experience it is well worth while for the no hassle and excellent coverage - they understand motorhomes
 #42413  by cherokee94nz
 Sun Sep 16, 2012 4:20 pm
When my insurance was due last month, i changed from Covi to Movan. Covi would not leave the Policy in my name, as i have changed the regerstration into another family menbers name. And Covi insisted the policy be in the registered name, not the owners.

Movan was happy to put the policy in my name, and show a interest in the other name.

I beleive both firms give the same cover. Movan was $100 cheaper, for the same cover.
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