Surfer replied on 12/02/2019 09:41
Posted on 12/02/2019 09:41
We have the highest level of cover excluding personal Cover. I think the CMC have a duty of care to highlight this to all members that have Mayday cover and used a storage compound for their caravans. Our policy states the following;
Your cover includes;
Cover anywhere in the UK, including your doorstep along with transport of your vehicle to the repairer of your choice within a 10 miles of your recovery destination, if we can’t easily fix the problem on the spot.
However as our caravan is kept in storage our “recovery destination” is the caravan storage depot. Therefore once the caravan has been dropped off they will then take the vehicle to the garage which is within 10 miles. A concern is that the vehicle would be full of our personal belongings plus our pets and we would have to find our own way back from the garage or rely on the goodwill of the recovery driver.
If it is after hours for the garage like a Sunday, Bank holiday or late in the evening, the issue is compounded as the garage will be closed. The chances of getting a taxi home with all our belongings and pets would be remote. Who would want to leave their vehicle parked up on a street with all their belongings and perhaps pets until the next day when the garage opens? This has insurance implications especially if the vehicle has keyless entry.
The alternative is to change the “recovery destination” to your residence and for many this is not practical if there is no room for you to store any caravan. In addition most insurance policies for caravans only allow for it to be parked outside the residence for 48 hours if the caravan is normally kept in storage.
Again if it is after hours for the garage your vehicle may be left out in the street near the garage with you hoping that the recovery driver has been able to push the keys through a letter box at the garage. This would also have insurance implications especially if the vehicle has keyless entry.
Final alternative is for the garage to be the recovery destination and leave the car and caravan there and again this has insurance implications. Again an issue if it is after hours. At least you may then be taken home but probably relying on the goodwill of the driver.
All the above were confirmed to me by a Mayday representative who phoned me to discuss the matter. Although I asked on more than one occasion regarding the issue if it is a Sunday, Bank holiday or after hours the representative evaded the question or did not understand the question.
It looks like we will need to start shopping around for a more flexible breakdown company and one that will ensure that we are taken home after the caravan has been dropped off at the storage compound and that the car is kept safe until it can be delivered to the garage when the garage is open for business I am now wondering if Red Pennant have similar restrictions?