Caravan Club Non Insurance Policy
757 replies
Cornersteady replied on 09/11/2019 10:33
Posted on 09/11/2019 10:10 byAlan
In answer to your original question, my renewal is due and I have paid £60 more for a policy with Saga that says it "will pay" instead club cover that "may pay" .I was aware of the change but in all honesty hadnt looked to closely at the implications but as a result of the extra scrutiny your post encouraged I realized that using a policy that "may pay" involved more trust than I have in this organization.
Posted on 09/11/2019 10:33
This is amazing David. that even if you put in an invalid claim it 'will pay' out? Just because it says will it will always pay out?
I wonder which wording is actually more honest?
At the end of the day one pays for what one thinks is best.
1 person likes this
replied on 09/11/2019 10:36
brue replied on 09/11/2019 10:41
Posted on 09/11/2019 10:41
I just had a quick read through the details, via "caravan cover" on the top tool bar. I can't see what the problem is, in fact, the cover could be more generous than insurance deals as it says it may take into account details that aren't covered. I'm not quoting so my words aren't exact but "insurance" will only cover the agreed parameters. The terms of an insurance which states "will" is only under the agreed terms. The club cover "may" be more flexible in certain circumstances.
1 person likes this
replied on 09/11/2019 10:42
Posted on 09/11/2019 10:33 by CornersteadyThis is amazing David. that even if you put in an invalid claim it 'will pay' out? Just because it says will it will always pay out?
I wonder which wording is actually more honest?
At the end of the day one pays for what one thinks is best.
Cornersteady replied on 09/11/2019 10:44
Cornersteady replied on 09/11/2019 10:46
Cornersteady replied on 09/11/2019 10:47
Posted on 09/11/2019 10:41 by brueI just had a quick read through the details, via "caravan cover" on the top tool bar. I can't see what the problem is, in fact, the cover could be more generous than insurance deals as it says it may take into account details that aren't covered. I'm not quoting so my words aren't exact but "insurance" will only cover the agreed parameters. The terms of an insurance which states "will" is only under the agreed terms. The club cover "may" be more flexible in certain circumstances.
Tinwheeler replied on 09/11/2019 10:54
Posted on 09/11/2019 10:10 byAlan
In answer to your original question, my renewal is due and I have paid £60 more for a policy with Saga that says it "will pay" instead club cover that "may pay" .I was aware of the change but in all honesty hadnt looked to closely at the implications but as a result of the extra scrutiny your post encouraged I realized that using a policy that "may pay" involved more trust than I have in this organization.
Posted on 09/11/2019 10:54
David, no insurance company pays out on 100% of claims and I fear you’re kidding yourself if you think otherwise. There’s always small print to give them an element of discretion to reject inappropriate claims. Otherwise, the company would leave themselves wide open to abuse by fraudsters.
I think may/will is a bit of a red herring here as, in reality, it’s always ‘may’.
2 people like this
replied on 09/11/2019 10:56
Posted on 09/11/2019 10:41 by brueI just had a quick read through the details, via "caravan cover" on the top tool bar. I can't see what the problem is, in fact, the cover could be more generous than insurance deals as it says it may take into account details that aren't covered. I'm not quoting so my words aren't exact but "insurance" will only cover the agreed parameters. The terms of an insurance which states "will" is only under the agreed terms. The club cover "may" be more flexible in certain circumstances.
Posted on 09/11/2019 10:56
The problem for me is that the club clearly states that the cover is not regulated by the Financial Ombudsman. In the event of a dispute not being resolved the only recourse is legal action. As I stated early I have started legal action with an insurance company in the past as a third party.
I would have jess confidence in doing so with regard to a contract that clearly says the cover may payout solely at the company's discretion.
Using the term 'Will' does not prevent the company being flexible and to think it does is wrong. When I had a car written off I was offered top book value by the insurance company. After some discussion they reviewed and offered 20% increase based on superb condition. This was 25 years ago and the car was far from young.
replied on 09/11/2019 11:04
Posted on 09/11/2019 10:54 by TinwheelerDavid, no insurance company pays out on 100% of claims and I fear you’re kidding yourself if you think otherwise. There’s always small print to give them an element of discretion to reject inappropriate claims. Otherwise, the company would leave themselves wide open to abuse by fraudsters.
I think may/will is a bit of a red herring here as, in reality, it’s always ‘may’.
Posted on 09/11/2019 11:04
Of course no company pays out on inappropriate claims but I don't think that david was referring to that aspect.
If you look at the ombudsman insurance claims judgements you will see some obviously inappropriate claims rejected. Twin axle caravan stolen when fitted with only one wheel lock s admitted to buy its owner.
Chap claiming for permanent disability after losing a single foot when the policy clearly states that payment for total disability is only if two limbs or part of is amputated above wrist or ankle.