insurance disappointment

I think that's entirely the point. The 'small print' was obviously that small, the OP didn't  notice it , & for something  potentially that important it would have been nice if it'd  been pointed out when the policy was sold

The real point is that no one, myself included reads the small print.

If the whole wording of a policy was pointed out when purchasing it would take hours with a nap becoming more important! Surely though with insurance,  it is not the fault of a vendor if the purchaser is ignorant of what he has been sold when it appears in black and white for perusal?

JK

We have ours, now 9 years old, serviced annualy, as required.

• Forgot to take the service book on collection due to OH having a dental emergency, but we have  the service receipt so will get dealer to stamp the book next time.

I think that the only way the club could enforce this stipulation is if they stated that the caravan had to have a full service HISTORY. If they merely state that the van has to have an annual service then one would expect the annual service to find any intrinsic fault in the second hand van and rectify it, similar to having an MOT.

So does the policy state full service history or merely annual service?

The letters we have had in the last 4 years at renewal  just said it had to be serviced annually.

Anyone from Staff Insurance Dept care to comment?

Mod Comment - Staff don't always look at the forum on a daily basis, if you wish to alert them to a particular question it's often best to report your own post as the Community Manager will see that and can pass it on.

Good luck with that, when I emailed about the subject I was told that I should have read the insurance policy before taking out the policy.

One can't argue with that accept to say that the way the policy is written is most misleading with the requirement for a complete service history buried in two different parts of the document. The result is that I and I'm sure many others have overpaid for cover that we will never be able to take advantage of.

I have no objection to the insurance company including such stipulations but the should be referenced in the CC advert to avoid entrapping members. 

I looked again at the Super 5Cs Policy to ensure that I have my facts correct and after several attempts found the killer paragraph under Section 1 Caravan at the bottom of page 9. I quote:

When the Caravan becomes more than 5 years old it must be serviced each year 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.

In my case the previous owner either didn't have the van serviced or failed to record the fact in the service manual. 

This clause is at odds with the clubs insurance advert which states that:

A Caravan Club insurance policy includes:
• New for old replacement for the caravan and equipment in the event of loss for items up to 5 years old on Standard cover and 15 years old for Super cover.

And the Super 5Cs Policy Summary states:

Section 1 Definitions
New-for-old cover for the caravan and associated equipment...
New-for- old-cover only available for items less than 15-years old. Caravans over 5-years old must be serviced annually by a competent caravan workshop.

Nothing there about keeping a record of the van's service history!

It all very underhand, possibly fraudulent and needs immediate amendment by the Caravan Club.

Goodbye to any mobile servicing too.

Cannot a workshop be mobile?