Caravan Club Non Insurance Policy

 As per Rowena;

In respect of the issue with the email addresses the documentation is being sent from, we are working to change all of these to cover@camc.com; however due to the system update to improve the booking process some of these could not be done until that has gone live and bedded in. We hope to have all email addresses changed within the next few months and apologise for the confusion this has caused some members.

Surely email addresses etc should have been sorted out BEFORE the product was launched unless there was intention to perhaps mislead members?  Before the 12% tax the CMC product is more expensive anyway.

Also when discussed insurance with the CMC over the phone at no time was I corrected and told that I was NOT taking out an insurance policy and as said even when I mentioned insurance in writing at no time was I corrected.

When are the CMC going to get around to inform finance institutions of the new type of Caravan cover?  There only seems to be one main player so it should not be that difficult?  Again why have they left off informing these institutions unless the CMC are worried that the caravan cover may not be acceptable. 

Then of course we have storage owners which is probably a different kettle of fish and more difficult for the CMC to make contact which is understandable.

I feel that in order to avoid issues why don't the CMC representatives make it very clear that it is NOT an insurance policy and is not regulated as an insurance product?

If I had known the above it would have saved a lot of frustration as we would have gone to another company and I would not be wasting my time writing this post!.

 

I feel that in order to avoid issues why don't the CMC representatives make it very clear that it is NOT an insurance policy and is not regulated as an insurance product?

Don't be daft Surfer  It is in the written details but if, when members phoned up to enquire or to take out insurance, they were told 'We don't do insurance we do an unregulated cover policy and may pay out on a claim; at our discretion' It could impact sales Surfer.

 When you look to buy a caravan dealership staff don't say 'by the time you fit a decent size battery, gas bottles, water and waste containers and motormover you will have about as much user payload for two people as you would get luggage allowance for a 2 week holiday flying british airways.

Certainly never been asked for my insurance at our storage, although the T&C's state it must be insured. Do the loan companies check your insurance when you purchase a caravan through them? I know they want proof when you buy a car.

As long as third party claims for the storage and value of the van claims for the loan company were met, I don't suppose there would be an issue.

Surely to protect themselves, the onus is on the storage site / loan company to check and satisfy it meets their requirements.

 

The user and all related content has been Deleted User

Thanks for that AD, as I said, so many variables.

Like you, we fell foul of CC insurance. It was Insurance, not Cover. We thought we had jumped through all of the hoops to get the “match other providers” criteria, but after agreeing things, the demands for extra documentation started, and it started to become farcical, so we said no and walked away. 

One of our “no claims” history has changed this year. A vehicle that accrued all those no claims has been sold, and for some reason, neither Club would allow this to be transferred to MH, used less, same driver named as first name on MH. So we had to walk away. Other reputable firms were quite happy to do this, so we kept the “no claims” element. You never seem to be comparing like for like.

In the latest email from CaMC, an advert describes the following:-

Award winning Insurance & Cover

We’ve just been awarded Best Caravan Cover provider and Best Motorhome Insurance provider at the 2019 Insurance Choice Awards.

Being curious..I looked up the the Awards and discovered they were run by Smart Money People which was founded in 2014 by Michael Fotis.

Under the 11 Product Specific Categories...one is entitled:- 

Best Caravan Cover Provider: The Caravan & Motorhome Club, Caravan Guard & The Insurance Emporium

Given that i am thinking about renewing my policy with Caravan Guard I contacted them to confirm if their policy was an Insurance Policy or an In-house non insurance policy...they confirmed it is an insurance policy and are regulated by FS..

Don't quote me but I did read further about the awards that some 16000 people had voted for the Insurance Choices..

Check out at https://smartmoneypeople.com/news/post/insurance-choice-awards-2019-finalists-revealed

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Snap David. Price same a caravan club - no tracker or hitch lock required but Alko hub lock. Minor accident this year admitted to but no claim made

Interestingly I got a quote for car insurance as well. An 'indicative quote' as my renewal date is not that close. Initially I said that after having been with them previously I had become sick and tired of considerable increases, phoning up, speaking to customer service and being asked to e-mail a lower quote and so one year I phoned them and stopped renewal. Apparently though I can have price fixed for 3 years with a £50 discount each year. Quote for X-Trail £171

Did you know that you can delay effecting the overseas cover on Saga Caravan policy until you need it thereby only paying a pro-rata rate for it?

Saga do just act as a broker but have claims settlement authority. Plus they will pay for repatriation costs, up to a limit, for the caravan from abroad if it suffers accidental damage, something the CCs policy never did (don't know if that is still the case).