Caravan Club Non Insurance Policy

Posted on 09/11/2019 18:05 by

Provided you abide by the terms of the contract the payment will be made, if it is not it can be contested through the insurance ombudsman service at no charge to you,.  CC Ltd can decline to payout regardless and your only recourse is through the courts at probably considerable costs.  It is beyond my understanding why anyone would take such a gamble to save a few pounds.

CC Ltd has reserves of around £20m, a few large claims will quickly absorb that and then the tendency will be to reject claims "at their descretion".  Insurance companies reinsure elsewhere; I believe that is not an option for a mutual.  

 

Posted on 09/11/2019 18:16 by

 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. 

 

Posted on 09/11/2019 18:17 by

I fully expected you to begin nit picking, anything to defend CC Ltd. 

If a caravan becomes detached whilst towing the third party liability is picked up by the tug cover, assuming the correct insurance is in place. 

I'm certainly not going to speculate what could happen on site, but have fun if you wish. 

Posted on 09/11/2019 18:17 by

I fully expected you to begin nit picking, anything to defend CC Ltd. 

If a caravan becomes detached whilst towing the third party liability is picked up by the tug cover, assuming the correct insurance is in place. 

I'm certainly not going to speculate what could happen on site, but have fun if you wish. 

Posted on 09/11/2019 18:29 by

On my first towing trip ever my father had lent me his car and caravan (a more trusting soul than me) and first stop was a site on the banks of the Dee in Chester. We uncoupled it on a slope and it was only with the rapid assistance of other campers that it didn't end up in the Dee as it ran across the field. What would have been even worse than loosing Dads van in the river though would have been if it injured anyone on its way, I cant see any motor insurance covering that.

However back to Alan's post,  I have a new van of a brand very attractive to thieves sitting in the drive and anyone who would rely on the discretion of this or any other organization as to whether they MAY cover its theft or loss is a bigger fool than I thought.

Posted on 09/11/2019 18:21 by Cornersteady

Indeed, but you made it sound like payment was automatic:

Every insurance I have ever read says words to the effect that:

We will pay all sums (up to the amount stated in the cover) which you become legally liable to pay as compensation for death or injury to, or damage to the property of, any Third Party 

Because you have been found legally liable the insurance WILL pay out.

I am glad you now accept this is not so, it is a shame you missed that out in your fear factor story DD

Additionally your fear factor story: Imagine a situation where you and your uncoupled caravan is the cause of an accident...which would leave you to have to pay yourself

scenario cannot happen can it, it? As no policy covers you while towing? Therefore you were simply scare mongering

I know you don't like the club and take all possible opportunists to have a go but this last one is even worse (as it is using fear to get your 'go' across) than the suggestion that the club was avoiding the law regarding HMRC and paying tax.

 

CC Ltd has reserves of around £20m, a few large claims will quickly absorb...

Once again your are trying to scare monger, did you not read Ro's post about the club having insurance to deal with this unlikely scenario? Perhaps you missed that DD?

Posted on 09/11/2019 18:37 by Cornersteady

again no need to be so rude AD, you have made your decision no has called it foolish, you are happy and we respect it, but why can you not give others the same respect?

Posted on 09/11/2019 18:43 by

Respect has to be earned

 

Posted on 09/11/2019 18:42 by

Once again your are trying to scare monger, did you not read Ro's post about the club having insurance to deal with this unlikely scenario? Perhaps you missed that DD?

I suggest that you read the actual cover terms and conditions rather than rely on words of comfort from Ro, et al.  If you do you may see that the Builders Insurance only kicks in if CC Ltd becomes unable to meet its obligations, not if in its sole discretion it decides not to pay.