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Marco Polo Insurance Coverage with MPV classification

Matt90

New Member
Hi All

Apologies for starting a new thread on this but couldn't find anything specifically about insurance coverage when the vehicle is classed as an MPV on the V5.

We are due to have a face-lift Marco Polo delivered at the end of this month but cannot get clarity on the insurance situation when the vehicle is now classified as an MPV rather than a motorhome. I understand there are benefits and downsides to having the vehicle classified as an MPV but my main concern is insurance coverage for the motorhome type equipment in the case of an accident OR worst case scenario; a cooking fire etc.

I have read there is a process to appeal the vehicle classification but from doing research, pretty much all of these appeals are denied.

How is everyone else with an MP with MPV V5 classification dealing with the insurance situation and the amount of coverage over the motorhome features?

Thanks in advance.

Matt
 

Method7

Active Member
It’s a production vehicle as supplied from the manufacturer I can’t see it being a issue.. all the motor home bits are OEM..
 

Eric Robinson

New Member
As far as the DVLA is concerned, if you look on their website, the MP is a motor home and not an MPV. I had my MP reclassified after explaining the nature of the vehicle and sending them the photos they requested. I have my MP both classified and insured as a motor home. Having it classified as an MPV and then using it as a motor home may result in problems if you make a claim. The vehicle on which the MP is based is indeed an MPV but all the add ons installed by Wesphalia changes that. When you bought your MP did you buy it on the basis of it being an MPV or a motorhome?
 

Eric Robinson

New Member
Incidentally, if you have not already done so you may wish to ask Comfort insurance for a quote. My policy with them is through Aviva and is very competitive.
 

Matt90

New Member
Hi Eric / Method

Thanks for the replies. Glad to hear that at least one person has had a positive result on reclassifying. Maybe this will be the best option to go down but I have heard of numerous people with MP's and Cali's that they were unsuccessful

Thanks

Matt
 

Eric Robinson

New Member
As I said if you call the DVLA and quote to them their very own classification of what constitutes a motor home there should be no problem. I sent a letter with photos as back-up, I received my new V5C a week or so later.
 

Method7

Active Member
As I said if you call the DVLA and quote to them their very own classification of what constitutes a motor home there should be no problem. I sent a letter with photos as back-up, I received my new V5C a week or so later.
Did you get a tax refund? Motor home road tax is cheaper is it not?

I still debate that This will effect your insurance claim. I have a horizon, clearly not a motor home but the rear seat, curtains and pop up roof are all part of the conversion. It’s not a MPV because it will only seat 5. It’s not a motor home because it has no stove and whatnot so what is it?
 

Eric Robinson

New Member
When I bought the vehicle it came pre-taxed but its something I will look into. I let you know the result.

A Horizon, according to the DVLA, check their website, is not a motorhome as it lacks, cooker, water tank, table, fridge, etc, as to what it is...you tell me!
 

Method7

Active Member
Exactly, my point being it’s not a standard V- Class and it’s not a motorhome but it is a standard production vehicle from MB. what is there to quibble over? It’s not like a VW where most campers are 3rd party or DIY conversions.
 

Eric Robinson

New Member
I think who does the motorhome conversion is a rather moot point whether it's Wesphalia or Bilbo etc. I don't, think it matters. What does matter is how the DVLA describes vehicles and thats what we have to go by.
 

Method7

Active Member
I think we are talking about two different things here... you about the DVLA classification and me about making a insurance claim. I don’t disagree with you on the DVLA stuff but cannot see how this effects insurance coverage... of the MP

Now if I had converted my own V-Class or Veto then almost certainly there is room for slippery insurance companies to wriggle out. Unless of course it had the DVLA motorhome class.
 

Eric Robinson

New Member
I think what you have to do, what I did, is clarify the deal with your insurance company, so they know exactly what they are insuring and you know exactly what you're covered for.
 

Gazthediver

New Member
Hi All

Apologies for starting a new thread on this but couldn't find anything specifically about insurance coverage when the vehicle is classed as an MPV on the V5.

We are due to have a face-lift Marco Polo delivered at the end of this month but cannot get clarity on the insurance situation when the vehicle is now classified as an MPV rather than a motorhome. I understand there are benefits and downsides to having the vehicle classified as an MPV but my main concern is insurance coverage for the motorhome type equipment in the case of an accident OR worst case scenario; a cooking fire etc.

I have read there is a process to appeal the vehicle classification but from doing research, pretty much all of these appeals are denied.

How is everyone else with an MP with MPV V5 classification dealing with the insurance situation and the amount of coverage over the motorhome features?

Thanks in advance.

Matt
I totally understand you frustration I have a 2019 Marco Polo sport with factory fitted kitchen with mpv log book , for the first few month the vehicle was added on to my admiral multi insurance but now that is due for renewal, I have spoken to dvla and a few insurance companies regarding this matter and have decided to go with comfort insurance, both the insurance and dvla confirm that my vehicle classification is right and this is why - because the vehicle was made by Mercedes and is a v-class car it doesn’t need to be changed , it would only need to be changed if the maker and the converter where different , and comfort insurance accept this and will insurance it as is , this is a new rule thing that has just come out hence some older Marco Polo have been allowed to change, dvla will not allow you to change it now , as for road tax there is no difference in price as for insurance I would advise going to a motor home insurance firing as it will be a lot cheaper to insurance but do tell them and most will know the new dvla rules , as for euro tunnel and ferry’s you are classed as a car and not a motor home meaning in most case it’s cheaper to travel, in my honest opinion we have the best of both worlds just remember talk to you insurance and make sure they have the right vehicle down, my insurance cost £350 for a year with comfort insurance
 

edzt

New Member
I’ve just insured my Marco Polo Sport with Comfort who I found very easy to deal with.
The guy I spoke to told me they wouldn’t insure Horizons, but had no problems with the Mpv classification
 
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