Caravan Club Non Insurance Policy

Yes I do and I'd even go so far as to say you have my discretionary approval. 👍🏻😀

Content has been removed.

you shouldn't really write fear factors like this DD, full marks for a very creative and emotive story you have made there, but considering your 'legal' background you have boasted about in the past you should know better. I think such an occurrence would be covered by your car's insurance? I assume you mean when towing, ie uncoupled? Or are you thinking of an accident while pitched up?

Third party cover
Most comprehensive car insurance policies cover trailers, but usually only for third party liability. In other words, you would be covered for any injury to another person or damage to their property. However, your policy would not pay out if your own trailer or caravan was damaged in an accident that was your fault. Third party cover also excludes theft and fire damage.

Mine certainly does, so don't worry.

Can you stick to reality perhaps and not scare mongering?

he may have mine too

1. Cover provided for you Amounts that you legally have to pay because your caravan causes: accidental bodily injury, disease or death to any person; or  accidental damage to any third party property

we will not cover:

anyone who fails to keep to any of the terms exceptions, conditions and
endorsements of this policy;

any liability which happens while your caravan is being towed;

It would appear that such payment is not automatic as you claim DD? And this cover has a max of £2,500,000

I hope David has read all this? 

I certainly did before taking out cover and I am sure that David did also..

win win then

Has anyone found a caravan insurance or cover that insures or covers for third party while towing? If not then when does or rather when could third party liability apply? What liability could occur from a stationary pitched caravan on site, I suppose a fire perhaps? Or handbrake breaking just before towing?

I hope DD won't suggest that a caravan that becomes uncoupled while towing is no longer being towed???  If so then we are all at risk unless we check our policies very carefully?

The user and all related content has been Deleted User

 What liability could occur from a stationary caravan on site, I suppose a fire perhaps? 

I researched case law on this many years ago. The owner of the caravan that caused the damage to adjacent caravans is not liable unless he can be shown to be negligent. The same applies to houses and motor cars andone would assume boats also. If your caravan is regularly serviced then it is very difficult/impossible to show negligence on your part. Maybe if you added wiring and did not get a new cert it could be possible but difficult in the extreme. 

 

The user and all related content has been Deleted User