VW INSURANCE

I bought my first policy for my new Ocean in May from LV and they clearly knew it was a campervan and was insured as such (confirmed by chat) - increased personal possessions cover and habitation area cover. No tracker required, but a non-negotiable excess of £1,000. Covered for up to 180 days abroad.

WelshGas said:

But they still haven't defined whether damage when camping is covered.
eg ;
Awning deployed , roof up, sudden unexpected gust of wind , awning flung up into roof struts and buckles them. ?? Covered
Frying bacon on gas cooker, flames, underside of roof bed catches fire. ?? Covered

These are camping accidents not vehicle accidents.

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They confirmed it's covered for "all eventualities".

That's good enough for me on a chat specifically asking if my campervan is covered. These days Insurers have a habit of denying many claims until you take them to court regardless. I'd fancy my chances on this one!

LV has just declined to renew my VW Cali insurance after 7 years, they say they no longer insure motorhomes/campervans!
I will try Comfort intially for a quote
I have been recommended Gallagher by LV but does anyone have experience of Gallagher insurance

docbob1 said:

LV has just declined to renew my VW Cali insurance after 7 years, they say they no longer insure motorhomes/campervans!
I will try Comfort intially for a quote
I have been recommended Gallagher by LV but does anyone have experience of Gallagher insurance

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It's definitely an age thing - they are happy to quote on a new T7 Beach...maybe because the T7 isn't really a campervan (!)

stoobthealien said:

It's definitely an age thing - they are happy to quote on a new T7 Beach...maybe because the T7 isn't really a campervan (!)

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How old is too old? Anyone know?

I’ll kick us off: 57 and successfully with LV.

The issue of LV refusing to renew Cali insurance has been raised before.

I was informed by LV earlier this year that they would not be able to insure our 2024 Ocean on renewal and that they would pass my details to Gallaghers.

But I found another thread on the forum where others had reported that the refusal to renew was due to the description LV had on file for the vehicles.

For some reason they had our Cali down as a nondescript "VW Motorhome", rather than the correct insurance description VW CALIFORNIA T30 OCEAN 4MOTIONTDI 204 AUTO

When I called them and explained that the vehicle description was incorrect and confirmed that the vehicle was an unmodified factory build, they updated the vehicle with the above wording which they found in their system.

After doing this they were able to do the renewal without any problems.

stoobthealien said:

It's definitely an age thing - they are happy to quote on a new T7 Beach...maybe because the T7 isn't really a campervan (!)

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It’s more of a Campervan than the T5/6 Beach which had no OEM kitchen pod.

I took out a policy with them for a 2022 Cali Ocean which I am collecting in a couple of weeks. I specifically asked about the van being insured as a camper van and its use as one. After a search of the database they confirmed it as a VW CALIFORNIA T30 OCEAN and that they were happy to cover. My policy came in at £366 all in

I took out what I now consider (having looked at some of the above quotes ) to be expensive cover for the start of our camper-van adventures
I have recently been informed that our “legal assistance” part of the policy does NOT apply in France… We got rear ended (we were stationary - waiting to pay at a toll booth!). Just something else for you to to consider :-(

lohr500 said:

The issue of LV refusing to renew Cali insurance has been raised before.

I was informed by LV earlier this year that they would not be able to insure our 2024 Ocean on renewal and that they would pass my details to Gallaghers.

But I found another thread on the forum where others had reported that the refusal to renew was due to the description LV had on file for the vehicles.

For some reason they had our Cali down as a nondescript "VW Motorhome", rather than the correct insurance description VW CALIFORNIA T30 OCEAN 4MOTIONTDI 204 AUTO

When I called them and explained that the vehicle description was incorrect and confirmed that the vehicle was an unmodified factory build, they updated the vehicle with the above wording which they found in their system.

After doing this they were able to do the renewal without any problems.

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Many thanks for your reply. I will ring LV Monday and update following that conversation

lohr500 said:

The issue of LV refusing to renew Cali insurance has been raised before.

I was informed by LV earlier this year that they would not be able to insure our 2024 Ocean on renewal and that they would pass my details to Gallaghers.

But I found another thread on the forum where others had reported that the refusal to renew was due to the description LV had on file for the vehicles.

For some reason they had our Cali down as a nondescript "VW Motorhome", rather than the correct insurance description VW CALIFORNIA T30 OCEAN 4MOTIONTDI 204 AUTO

When I called them and explained that the vehicle description was incorrect and confirmed that the vehicle was an unmodified factory build, they updated the vehicle with the above wording which they found in their system.

After doing this they were able to do the renewal without any problems.

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Many thanks Lohr, LV have agreed to re-insure vehicle although it will not be fully confirmed until 21/11/25 as it is more than 28 days before renewal currently

Point of Information.

Thanks WelshGas, if I get any problems on 21/11/25 will go direct to Allianz and get a quote

Hi All.
Update on LV not renewing my insurance in January 2026, having received a email and letter from LV about not allowing me to renew our insurance policy, having read previous posts I decided to call them the person I spoke to was not at all helpful and informed me no renewal will be offered, I asked would he be kind enough to check what vehicle model they have for my particular vehicle no Joy , repeat answer will not renew.
So this week it was bugging me so I phoned again totally different, spoke with a guy called Lloyd , when I explained my problem he then put me on hold, but when he returned he did inform me that our California is a T30 California 204 BHP . and is on their Data base.
He also said he would phone me the following day. He did indeed phone the following day and confirmed LV will be sending me a offer in due course, he also informed me that he had to put the model information on the system as if it was a amendment and sent me out replacement insurance documents, If any forum member is in the same position I would highly recommend to try and speak to someone senior as apparently this chap was one of the team going through the changes with the underwriters.
Time will tell if LV will be competitive with there quotation as we insure on a multi-car policy.

docbob1 said:

Many thanks Lohr, LV have agreed to re-insure vehicle although it will not be fully confirmed until 21/11/25 as it is more than 28 days before renewal currently

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A good result (hopefully!!).
Glad the info I posted helped, although the main credit needs to go to the original person who posted the tip a few months ago.