Caravan Club Non Insurance Policy

replied on 01/11/2019 22:56

Posted on 01/11/2019 22:56

A simple question. As the caravan club no longer offer caravan insurance as such what suggestions for a new insurer that does.

757 replies

replied on 09/11/2019 11:11

Posted on 09/11/2019 11:11

If a claim is appropriate an Insurance will pay out and if they don't and it is deemed appropriate the Ombudsman will order them to do so.

brue replied on 09/11/2019 11:29

Member

brue

Motorhomer

Posted on 09/11/2019 10:56 by

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.

Posted on 09/11/2019 11:29

You might have missed the point I was making which is the possibility that "cover" will include more than the agreed terms of an inflexible insurance policy. I think this points to a good working knowledge of caravan ownership.

replied on 09/11/2019 11:39

Posted on 09/11/2019 11:29 by brue

You might have missed the point I was making which is the possibility that "cover" will include more than the agreed terms of an inflexible insurance policy. I think this points to a good working knowledge of caravan ownership.

Posted on 09/11/2019 11:39

No I don't miss the point Brue but 'may' means very little from any salesman. Even a CC Salesman. However you have a proper insurance Brue and so don't have to rely on the wordin regarding the aspect of 'may'

cyberyacht replied on 09/11/2019 11:39

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cyberyacht

Motorhomer

Posted on 09/11/2019 11:39

Tamato/tomayto. This thread does seem to be generating a disproportionate number of posts. I always regard 'any' insurance with a degree of scepticism when it comes to making a claim. As for CAMC cover, I've always found any of their quotes way too expensive.

brue replied on 09/11/2019 11:40

Member

brue

Motorhomer

Posted on 09/11/2019 11:11 by

If a claim is appropriate an Insurance will pay out and if they don't and it is deemed appropriate the Ombudsman will order them to do so.

Posted on 09/11/2019 11:40

On your behalf EasyT I have just waded through the various documents listed under Caravan Cover and it states you have rights to the services of the FOS. So I hope this helps.

(P4 of the Cover Documents PDF.)

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replied on 09/11/2019 11:50

Posted on 09/11/2019 11:50

So have I Brue and whilst it may muddy waters if its the one to which I have previously read it does mention possible recourse to Ombudsman with regards to Bridges Insurance to the club scheme, However that policy only kicks in if the club cannot financially fulfill payouts when I would possibly have a third party entitlement and then could go to FOS if needed. The club has however stated that it itself is not regulated to FOS and so, in the normal course of events whilst the club is solvent and does not need to resort to its insurance cover I would have no recourse to FOS