Cannot insure my caravan

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.

Write your comments here...From what I have read on this thread, the facts appear to be unclear. He talks about using his caravan for accommodation instead of a bed and breakfast.  He says it is temporary. He may well be moving from site to site like we do every 21 days. If so, he is touring and not staying in one place and he is using the caravan for leisure purposes if he is sleeping and relaxing in it when he is not working.

Nevertheless, the CC will have their own defintion via their insurers. 

In T&C 4.1 on the Seasonal pitch page it  says 

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.

Write your comments here...From what I have read on this thread, the facts appear to be unclear. He talks about using his caravan for accommodation instead of a bed and breakfast.  He says it is temporary. He may well be moving from site to site like we do every 21 days. If so, he is touring and not staying in one place and he is using the caravan for leisure purposes if he is sleeping and relaxing in it when he is not working.

Sorry no. Technically that is not leisure purposes. Leisure purposes has to be non work related and acco odation used for temporary work locations is not leisure. I have to say that the wording of some policies on this is not all that clear but if you have asked about it and told been no then you are stuck with that.

The thing to remember with any form of insurance is that insurance companies require you to declare material facts that may impact on the risk. They decide what is material so its always best to declare everything. They decide, in the event of a claim, if any material facts have been withheld, and may, as a result reject any claim on that basis.  Its better, I would have thought, not to find out the hard way that something which has not declared, is to them, a material fact.

If an insurance company can avoid settling a claim, they will.

I think Wildwood and justus2 have summed it up in a nutshell.

The thing to remember with any form of insurance is that insurance companies require you to declare material facts that may impact on the risk. They decide what is material so its always best to declare everything. They decide, in the event of a claim, if any material facts have been withheld, and may, as a result reject any claim on that basis.  Its better, I would have thought, not to find out the hard way that something which has not declared, is to them, a material fact.

If an insurance company can avoid settling a claim, they will.

Write your comments here...That surely depends on the insurance company. A reputable company will not make a drama out of a crisis. If they do, then choose a company where there isn't a risk of that happening. You are paying them to cover you against risk of loss and so there should not be a risk that your claim would not be settled should the need arise.

I think Wildwood and justus2 have summed it up in a nutshell.

My thanks too, I know Wildwood worked in inurance so his views are always useful.

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.

Write your comments here...From what I have read on this thread, the facts appear to be unclear. He talks about using his caravan for accommodation instead of a bed and breakfast.  He says it is temporary. He may well be moving from site to site like we do every 21 days. If so, he is touring and not staying in one place and he is using the caravan for leisure purposes if he is sleeping and relaxing in it when he is not working.

Sorry no. Technically that is not leisure purposes. Leisure purposes has to be non work related and acco odation used for temporary work locations is not leisure. I have to say that the wording of some policies on this is not all that clear but if you have asked about it and told been no then you are stuck with that.

Write your comments here...It is leisure use because when you are not at work, it is leisure time. 

When I get an order and accept the order and start to carry out the collection and delivery work in relation to that order, I am at work and being paid a delivery fee to do it. When I have completed the order, my work is over and I am at leisure until I receive the next order. That leisure time is financed by my state pension and not by the company that sends out the orders. So it is truly leisure time. Previously, I was entirely dependent on earnings but now the job is a bit of extra income to help supplement my pension because I don't get holiday pay or any pay for days off.

Malcolm, if you are at all concerned about the use of your van re insurance you need to speak to the CC Insurance team personally. This thread has raised the issues regarding insuring a van for work or for touring and only your insurer can advise you.