Cannot insure my caravan

Ask the insurance company to define work related.  think you will find as being used as an office or similar not as you would use it.a place to commute from.

Sorry, they will only insure for touring purposes. So if I am not touring, which I am not if I am using it as a temporary home, then that is outside of their acceptancy policy.

Write your comments here...If you're staying on a club site or Cl, these are touring sites because you have to move every 21 days or 28 days in the case of a cl. So for insurance purposes, you are touring. A caravan is a mobile home and is therefore a touring vehicle, so like ourselves you need the normal caravan touring insurance.

We have a seasonal pitch on a club site but we can still only stay on it a maximum of 21 consecutive nights. We have to stay elsewhere for 2 nights before we can re-occupy our seasonal pitch. If you abide by these rules, you should qualify for the normal touring insurance.

Ask the insurance company to define work related.  think you will find as being used as an office or similar not as you would use it.a place to commute from.

Sorry, they will only insure for touring purposes. So if I am not touring, which I am not if I am using it as a temporary home, then that is outside of their acceptancy policy.

Write your comments here...If you're staying on a club site or Cl, these are touring sites because you have to move every 21 days or 28 days in the case of a cl. So for insurance purposes, you are touring. A caravan is a mobile home and is therefore a touring vehicle, so like ourselves you need the normal caravan touring insurance.

We have a seasonal pitch on a club site but we can still only stay on it a maximum of 21 consecutive nights. We have to stay elsewhere for 2 nights before we can re-occupy our seasonal pitch. If you abide by these rules, you should qualify for the normal touring insurance.

Malcolm out of interest have you told CC your situation? I merely ask as you openly post on here and if, heaven forbid, you needed to make a claim you couldn't plead ignorance. This thread, if monitored, would cut the rug from beneath your feet.  I had a while working for an insurance company 30 plus years ago, even then they were looking at ways to decline a claim.  My motto and regular chant, as friends will tell you, is the time you want to claim is not the time to discover the information you gave was a half truth on open to different interuptations , or the cheapness of the premium. Insurance company's don't employ law graduates to write their policy documents for nothing! Although I Agee the CC words quoted could be argued either way. I wouldn't want the extra aggro myself.

Ask the insurance company to define work related.  think you will find as being used as an office or similar not as you would use it.a place to commute from.

Sorry, they will only insure for touring purposes. So if I am not touring, which I am not if I am using it as a temporary home, then that is outside of their acceptancy policy.

Write your comments here...If you're staying on a club site or Cl, these are touring sites because you have to move every 21 days or 28 days in the case of a cl. So for insurance purposes, you are touring. A caravan is a mobile home and is therefore a touring vehicle, so like ourselves you need the normal caravan touring insurance.

We have a seasonal pitch on a club site but we can still only stay on it a maximum of 21 consecutive nights. We have to stay elsewhere for 2 nights before we can re-occupy our seasonal pitch. If you abide by these rules, you should qualify for the normal touring insurance.

Malcolm out of interest have you told CC your situation? I merely ask as you openly post on here and if, heaven forbid, you needed to make a claim you couldn't plead ignorance. This thread, if monitored, would cut the rug from beneath your feet.  I had a while working for an insurance company 30 plus years ago, even then they were looking at ways to decline a claim.  My motto and regular chant, as friends will tell you, is the time you want to claim is not the time to discover the information you gave was a half truth on open to different interuptations , or the cheapness of the premium. Insurance company's don't employ law graduates to write their policy documents for nothing! Although I Agee the CC words quoted could be argued either way. I wouldn't want the extra aggro myself.

Write your comments here... As far as I can see, there is nothing in the insurance policy that restricts how much you use your caravan. It is yours to use however much you want to. If you choose not to stay at your home address because you prefer to be away in your caravan, there should be nothing to stop you doing just that! My cousin stays at the house address and we prefer to let him have his own space there whilst we enjoy the great outdoors in our caravan. Each to their own!

You have also stated the address you use is not your home, it belongs to someone else, your cousin. 

Incidentally, the home address is a large three bedroomed property with sufficient space to accommodate us should we want to stay there. However, what's the point in buying a caravan if it's just going to sit on the driveway all the year round? Insurance companies should be well aware that modern caravans are designed for all year round usage and that is the norm nowadays.

You have also stated the address you use is not your home, it belongs to someone else, your cousin. 

Write your comments here...Yes but he has agreed that we can use it as our home and home address. We discussed all this with him before we bought the caravan. I'm even on the electoral roll for that address. Whenever there is any mail for us, he rings us on the mobile phone and we then go round to collect it. 

Before we started the delivery work, we used to often go and spend the afternoon there. Now we don't because there isn't the time. The house is literally only a mile away from my seasonal pitch. So easy to get there to collect mail etc. He would like to see more of us and we would like to see more of him but when we're busy doing deliveries, it's just not possible. However, all of these things are personal matters that have nothing whatsoever to do with caravan insurance.

You have a very generous cousin.

However if  I was you I would be keeping this information to myself, if anything goes wrong, it could be used by insurers to invalidate your policy.

You might even have the TV licence bunch after you if you are not careful!

Non disclosure of facts could cause problems with CC or any other insurance. The OP has dislosed the facts and is seeking alternative insurance. I'm assume there is insurance out there, possibly at a higher pemium?

Non disclosure of facts could cause problems with CC or any other insurance. The OP has dislosed the facts and is seeking alternative insurance. I'm assume there is insurance out there, possibly at a higher pemium?

Write your comments here...Yes but not necessarily the right facts. He has given the insurers the impression that he is using his caravan as a static home that is in one place and cannot be moved and running a business from it. However, this is not true if he uses club sites and cls.

No he hasn't. The definition is in the word "touring." Working from a site or one or two sites isn't touring. It sounds as though this has been confirmed by the CC because the OP has told them about his situation, he has disclosed the correct facts. As others have said non disclosure can invalidate insurance.  I hope the OP finds suitable insurance and everything works out well for him.