Cannot insure my caravan

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.

Write your comments here...It's not necessary, Brue because I'm using the caravan for touring and leisure purposes and that is an accepted and proven fact, end of story! If I choose to use my caravan all the year round and enjoy moving between sites because I like a change of scene, that is my personal choice and has nothing whatsoever to do with the insurance company. 

This is getting ridiculous. Next you'll be telling me that I should disclose to the insurance company that I brush my teeth when I get up in the morning!

You are being abusive, I wont be responding further.

You are being abusive, I wont be responding further.

Write your comments here...No I'm not, I'm just talking reality.

If push came to shove and a claim was needed - I wonder how the land would lie then. 

Malcolm

The problem you have is that you do draw attention to yourself. From what I have read of your postings on this forum you clearly work from whatever site you are staying on.This must mean that you are in and out of the site on a much more regular basis than most people staying on site. It seems also, in most instances, that you only move site to meet the limited occupancy rules of staying on a Club site. Personally I don't see much difference between you and someone pitching a caravan on a site and going off for the day to work which seems to be exactly what you do. Whether your insurance covers such eventualities you won't know until you test it by asking. I would also suggest that you need to establish whether your car insurance covers for essentually doing a delivery job. mine wouldn't.

David

Following on from David's post, I have to ask Malcolm precisely where he is when he takes the (presumably) phone orders for delivery.  In his van?  On site?  If that's not using your caravan for business I'm sure I don't know what is.

I would imagine MAlcom is more worried about being covered for driving his car for these delieveries rather than caravan insurance.  As he is not working in it and even if he takes a phone call thats not likely to have any impact on the risk weighting of insurance, in fact I would have thought that living in the van all year makes the risk of theft, vandalsim etc lower than having it on a dirvieway or a farm yard storage.

By the way MAlcolm I saw the Uber drivers won their case to be employed....

I have business insurance on the car. The car is specifically insured with Lloyds as fast food delivery driver for business as well social, domestic and pleasure.

If I am out in the car, the boss contacts me on my hands free car phone to say that there is an order. My wife then checks the order on her Iphone through the admin area of the dinner2go website where we get details of the entire order and any special requests by the customer.

I keep the mobile phone with me at all times so that if I'm in the caravan, I can receive a call from the boss. However, if there is one delivery, this is often followed by another one so the call is subsequently received in the car. So on a busy day, most of the calls will be received in the car and not in the caravan. This is because if orders are queueing, there's no time to return to the caravan.

Following on from David's post, I have to ask Malcolm preciselywhere he is when he takes the (presumably) phone orders for delivery.  In his van?  On site?  If that's not using your caravan for business I'm sure I don't know what is.

Write your comments here...So in answer, both but mostly car.

I wonder why Malcolm feels the need to reveal the ins and outs of his life on CT. 

Malcolm, you make yourself a target in so many ways. Wise up, man.