Cannot insure my caravan

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

Write your comments here...Exactly, David. The limited occupancy rules actually benefit me. It gives me an excuse to get a day off work. I now get a state pension so I no longer need to be working 7 days a week!

There you go again. 

There you go again. 

Write your comments here...Yes, TW and I did answer David's question about car insurance. I pay £150 a month for business insurance on the car, whereas previously I only used to pay £75 per month for SDP.

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.

Malcolm

I'm glad that at least you have the car properly covered. However I do seriously suggest that you are a little too ready to share a lot of personal information on this website that it might be better keep under wraps even if only for you own protection. Things can easily be misunderstood which might end up causing you problems that you can do without.

David

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.

Malcolm

I'm glad that at least you have the car properly covered. However I do seriously suggest that you are a little too ready to share a lot of personal information on this website that it might be better keep under wraps even if only for you own protection. Things can easily be misunderstood which might end up causing you problems that you can do without.

David

I tend to agree with David.  From your post, a part of which I've emboldened, you are admitting that you DO use your caravan for business.

There you go again. 

Write your comments here...Yes, TW and I did answer David's question about car insurance. I pay £150 a month for business insurance on the car, whereas previously I only used to pay £75 per month for SDP.

You did but you also told us about your state pension and getting a day off work and now you're telling us how much extra your insurance costs. 

Listen to DK. You tell us too much for your own good but you've been told that many a time before.  Maybe it's all part of a huge wind up on your part.

  Maybe it's all part of a huge wind up on your part.

I think it must be. 

  Maybe it's all part of a huge wind up on your part.

I think it must be. 

I think he is the owner of 'dinner2togo' and deviously advertising his business whilst relaxing in his bachelor pad fronting Brighton marina

Malc appears to be giving the impression that leisure time is that when you are not working and that is absolutely not true in the planning system and probably the insurance industry by extension. 

There is another use - residential use - which is not permitted on touring caravan sites and whilst I'm making no comment on Malc's situation I do think that the description of what the OP wants is residential use and insurance will be more difficult to find. 

There you go again. 

Write your comments here...Yes, TW and I did answer David's question about car insurance. I pay £150 a month for business insurance on the car, whereas previously I only used to pay £75 per month for SDP.

Write your comments here...£900 or £1800 a year for isnurance, is it a ferrari you deliver the pizza's in?