insurance disappointment

dunny669 replied on 07/02/2017 21:43

dunny669

Posted on 07/02/2017 21:43

I have always praised the caravan club to friends, family and on social media groups on how good they are. I have been a member for many years and have always used them for overseas bookings, European breakdown cover and insurance. But today I have had my mind changed drastically. I phoned the club insurance up to renew my insurance and in the process of doing this the advisor asked me if the van had been serviced to which I replied yes. He said can you prove this back 5 years and I said no as I have not owned the van for that long. He then told me that I would not be covered on the top insurance. This means that for the past few years I have been paying a premium rate on insurance that I would never have been covered for. Nowhere in my renewal documents does it state that the van needed to have a full service history all I got was a separate letter stating that the van will need servicing yearly not that it had to have full history. No example was given of what service is required weather it be a full service or just a chassis and brake service. SO BEWARE if you are paying for the full 5c cover be sure you have a full service history and if you have purchased the van second hand this might be impossible as it was in my case. I will be seeking to purchase insurance somewhere else in future.

22 replies

SteveL replied on 07/02/2017 22:42

Member

SteveL

Motorhomer

Posted on 07/02/2017 22:42

There was a thread recently that dealt with the subject of the annual service requirement for the super 5 C's policy. However, no one brought up this requirement and I have not found it in the policy booklet online. We would be able to prove it, but many may not, and the CC should make the fact much clearer. There could be many who have been paying enhanced premiums, that would have a new for old claim rejected on this technicality.

EmilysDad replied on 07/02/2017 23:09

Member

EmilysDad

Caravanner

Posted on 07/02/2017 23:09

https://www.caravanclub.co.uk/club-together/discussions/welcome-hobby-talk/caravan-motorhome-chat/is-annual-service-required-for-insurance/

dmiller555 replied on 08/02/2017 08:17

Member

dmiller555

Caravanner

Posted on 08/02/2017 08:17

Thank you for bring this to our attention.

I don't think that an insurance company can introduce such changes retrospectively or verbally and therefore suspect that the person you spoke to is ill informed. I accept that they could make it a new condition at renewal but such advice should be in writing.

Having said that it certainly does need clarifying and reassurance issued that it is a mistake,

ChrisRogers replied on 08/02/2017 09:20

Member

ChrisRogers

Caravanner

Posted on 08/02/2017 09:20

'When the Caravan becomes more than 5 years old it must be serviced annually by a competent caravan workshop. Failure to provide evidence of compliance with this requirement will result in any claims being settled on the basis of Market Value'

The above is from the 5c's super policy, on line.

Note: market value not new for old?

Question on the above, what about mobile servicing?

It is also in my present insurer policy (not CC) that the caravan is to be serviced yearly

JVB66 replied on 08/02/2017 09:31

Member

JVB66

Caravanner

Posted on 08/02/2017 09:20 by ChrisRogers

'When the Caravan becomes more than 5 years old it must be serviced annually by a competent caravan workshop. Failure to provide evidence of compliance with this requirement will result in any claims being settled on the basis of Market Value'

The above is from the 5c's super policy, on line.

Note: market value not new for old?

Question on the above, what about mobile servicing?

It is also in my present insurer policy (not CC) that the caravan is to be serviced yearly

Posted on 08/02/2017 09:31

As long as the Mobile service person is with one of the recognised regulatory bodies then it should not be a problem

JVB66 replied on 08/02/2017 09:50

Member

JVB66

Caravanner

Posted on 07/02/2017 21:43 by dunny669

I have always praised the caravan club to friends, family and on social media groups on how good they are. I have been a member for many years and have always used them for overseas bookings, European breakdown cover and insurance. But today I have had my mind changed drastically. I phoned the club insurance up to renew my insurance and in the process of doing this the advisor asked me if the van had been serviced to which I replied yes. He said can you prove this back 5 years and I said no as I have not owned the van for that long. He then told me that I would not be covered on the top insurance. This means that for the past few years I have been paying a premium rate on insurance that I would never have been covered for. Nowhere in my renewal documents does it state that the van needed to have a full service history all I got was a separate letter stating that the van will need servicing yearly not that it had to have full history. No example was given of what service is required weather it be a full service or just a chassis and brake service. SO BEWARE if you are paying for the full 5c cover be sure you have a full service history and if you have purchased the van second hand this might be impossible as it was in my case. I will be seeking to purchase insurance somewhere else in future.

Posted on 08/02/2017 09:50

Has the service manual part of the handbook not been kept up to date withe the service persons stamp, which should be proof the c/van service was up to date

Wildwood replied on 13/02/2017 15:55

Member

Wildwood

Caravanner

Posted on 13/02/2017 15:55

As I said on the other thread the requirement was the caravan had to have been serviced by a competent person within the last 12 months. I do think the advisor was mistaken although I do have the receipts for the services on our caravan. They are a useful point when negotiating to sell it as well as for the insurance requirements.