Caravan Club Non Insurance Policy

i still think the club would have more to loose than gain in the event of a claim having to go to the ombudsman

That is the crux of the matter. Obviously you have not read the thread as you admitted.

As far as I can see, unless the club were insolvent and the Builder's policy invoked, there is no recourse to the ombudsman as with an insurance policy. This is why the CMC make no mention of complaining to the ombudsman except in the case of the club being unable to fund a claim or claims and the Builder's policy then coming into effect.

I have had a dispute with an insurance company but was eventually able to resolve it in my favour without recourse to the ombudsman. They saw the sense of my argument regarding valuation. I didn't want to involve the ombudsman as it might have gone either way.

A clause in your fiance agreement states that the caravan must be "insured" at al times.  No mention of Caravan cover.

Secondly our storage compound requires insurance at all times and again no mention of Caravan Cover.

Why does an answer to query come from an insurance@camc.com address which is misleading?

As said the only difference in cost is the 12% insurance premium tax which the club have found a way around. 

The big concern is that the caravan cover is not regulated!

, 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,

Selfish I know but I'm not concerned with the 1000s of members who (may be ) thrown to the wolves. If only one member is and that happens to be me, I would be very very concerned.

 

where it is the only source of protection perhaps against a public liability claim it is not adequate.  

A very good point. Many years ago I had a motorcycle accident. The insurance company that insured the driver responsible was only offering about 80% payment of my claim in my judgement. In that event I decided that I would take them to court as my claim was clear. At the 11th hour they relented and paid more than my original claim as I advised them that in court I would also be claiming for loss of being able to enjoy hill walking for a period of time. 

If, for some reason they had decided that their insured was not at fault and declined to pay out on the third party claim I presume that as that third party I could put the case to the ombudsman. 

What would happen if the CMC decided that a third party claim was not justified? If the third party cannot do the same is their only recourse to sue me personally? 

Not sure if I missed some information about insurance/cover changes, and if so then down to me. But it would be good if there was a clear and open statement addressing any concerns around some of the terminology in the documents. I do doubt that Club are risking their reputation as a provider. But some further clarity on why the changes, and who or what the benefits are might allay some confusion.

Two of the countries largest, and well regarded Insurance providers operate as Mutuals, NFU and LV. We have used both and it was always clear we were insured, not covered.

We used NFU for two purposes for years, always thought highly of them. But we felt let down badly at a very traumatic time when we had a claim disallowed. It didn’t involve a huge sum of money, but we had no recourse to challenge it, just had to go with the decision. On the second issue, which involved vehicle insurance, after years of taking out Land Rover insurance, we enquired about our latest LR to be told they wouldn’t insure it because LR theft was huge in our area. (For Defenders it was, in fact still is, but this was a Freelander) So we gave up. It’s a bit of a minefield, territory you think you know can suddenly become strewn with obstacles.

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Does this mean the Club no longer sells  '5Cs or super 5Cs'  Caravan insurance ?  I knew that  motorcaravan insurance was franchised out by Devitts but thought that  Caravan insurance had stayed inhouse.

Nothing in the magazine about this?  When did it happen ?

They still offer the two types but they are now inhouse. No idea when it changed, but when ours renewed in January it was as Caravan Cover. This was made clear at the time, although I certainly didn't appreciate the implications. We cancelled in March when we bought the MH, otherwise I would be thinking long and hard. It's not so much the caravan value side that would worry me but the third party liability, which could potentially be an eye watering sum, if the worst happened.

well my OH was an insurance broker for many years and she is not fazed by anything in the policy document. of my 3 claims one was a claim against me , one of those fake accidents, despite my objections and my instance that i wanted my day in court, the insurance company paid up on the morning of the court hearing, stating it was the route of least resistance.

I still think the club as more to loose than gain from disputing or refusing to pay out on a claim, unless they really are dubious claims. Don't have any HP agreements so the differance between insurance/cover will not affect me in that respect, but if in doubt I would get the club to contact the HP company to sort it out, pretty sure it is just a simple misunderstanding as yet again there are probably 1000's out there with club insurance and HP agreements, and if not now, going forward the club would loose masses of revenue if potential customers with HP agreements were ruled out.