Caravan Club Non Insurance Policy

If the cover was 25% cheaper it may be worth it but. as I have always found to CAMC to be uncompetitive anyway, why would anyone risk it?

I've found CC competitive Mikey. Maybe it is a postcode lottery? 

Interesting link brue. We used Military Mutual for House Insurance once. Found them pleasant enough to deal with, but everything seemed rather amateurish and not particularly good at document and payment handling. We used policy for a year, no claims made, but we didn’t consider renewing, it all seemed less professional than most of other companies we have used. A personal observation, others may have found them perfectly satisfactory. We like prompt communications and paperwork, and it just didn’t happen.

 Yes - I have - or am in the middle of a claim at the moment - after some numpty decided to fire an air rifle at the side of our van in the middle of the night whilst on site a couple of weeks ago. It looks as if the cost to repair is going to be in the order of £1000 to £1500.

I can only say that, so far, my experience has been nothing but positive - but I am conscious that the claim hasn't been settled yet.  The day after making the claim, an assessor arrived at our house and inspected the van and was in agreement with what was required to be done.  He immediately emailed my nominated repairer/dealer and asked them to provide a written estimate.  This has, amongst other things, required them to obtain a price for a replacement decal from Knaus and this has caused a delay for the last week but the assessor has been chasing them. My main concern is to get the job done quickly to avoid a trip to Cumbria in what could be bad winter weather. The assessor was in full agreement with me and was sympathetic and understanding.

The 'policy' was taken out last December, so I'm unclear as to whether it falls into the category of the subject under discussion.  However, when I look at the documents on line, it is clearly called 'caravan cover' and not 'insurance'.  I wasn't aware of this distinction, previously.

I do note, however, that in the small print, it does say that CC Ltd are regulated by the FCA and members can benefit from the FCA Compensation Scheme.

One thought that goes through my mind is that if this has happened because CC Ltd have taken advantage of being a 'mutual society' - does the same apply to others.  Whilst both of our cars are with NFU Mutual, and I accept that they must be 'insured' rather than 'covered' (being motor vehicles) - would the same situation arise if I were to 'insure' the caravan with NFU?

 

not read all of this post, but does anybody seriously think the club would throw 1000's of members and possibly non members to the wolves, and leave 1000's of members and non members without adequate cover for their caravans, i think not, the loss of National and International reputation would be catastrophic for the business, also insurance is a large part of the clubs income, they are not going to do anything that is going jeopardise this, in fact as has been stated, they have probably made this change to ensure they get a larger slice of the cake, so they ain't going to throw it away.

Good OP but i think another storm in a teacup. Insurance/cover what ever you like to call it is always a game of chance, would rather use the club offering than some of those cheapo offerings from some of the cowboy companies that are out there, but of course we can never be fully sure of what we have purchased until we come to claim. "proof of the pudding is in the eating" 

I agree about insurance being a big income stream ,some years ago a senior member of the cc  "advised" that  overseas travel and insurance cover was  far more important to keeping the club solvent than any income from sites or other parts of the clubs finances,and they had been thinking about ways to bring it caravan cover "in house" to increase the surplus that it puts into the clubs account

 

not read all of this post, but does anybody seriously think the club would throw 1000's of members and possibly non members to the wolves, and leave 1000's of members and non members without adequate cover for their caravans, i think not, 

I would not expect to be 'thrown to the wolves' but that is far from the point. The simple point is that, in the event of a dispute, challenging a decision can be much more expensive without resort to an independent ombudsman

I am neutral on this one which is why I have put in links to further information. CAMC have been good to deal with over M/H insurance. As we don't have a caravan now I can't comment further except to say the club have explained why they went down this route previously. Maybe they need to explain Caravan Cover in detail and more clearly in a separate link somewhere?

maybe should not tempt fate, but in almost 60 years of motoring have only ever made 3 claims and never required the services of the ombudsman, but i still think the club would have more to loose than gain in the event of a claim having to go to the ombudsman so would think very carefully before alllowing this to happen, but possible but i would say it would have to be in extreme circumstances.

The user and all related content has been Deleted User