Caravan Club Non Insurance Policy

+2

I wouldn't lose any sleep Dave as LV are about to be swallowed up by Allianz Insurance, one of the biggest insurers in Europe. I think the deal is expected to be fully finalised by the end of the year. The new owners may well retain the LV name but I don't know that for a fact.

I’d rather lose a few quid cancellation fee rather then end up potentially losing my house and seeking bankruptcy.

I saved about £17 David  not that it was important - Just had renewal offer today. 

rather then end up potentially losing my house and seeking bankruptcy.

Filing for bankruptcy is something that I suggested my youngest daughter to do. Her partner, probably 10 years ago Had a rented Flat. He was supposedly at college. She had some work and gave him money for gas, rent, rates etc. They had other joint debts that she was unaware had not been paid. 

He had been pocketing the money and of course all mail was addressed to him from landlord and Housing rates. It was when he turned to drugs and started to abusive that she walked out. We did not know what debts might have been run up as she left no forwarding address. I paid her court  cost - can't remember how much as it was about 10 years ago. We contacted phone companies, council etc and reckoned total bill about £5,000. I did not want to bail her out by effectively paying the b******s debts. It would have been ridiculous to pay twice with money that she did not have. She had a number of poorly paying jobs. Presumably the debtors could chase her ex if they could find him. When al came to light and was disclosed the Debts amounted to close to £7,000. We attended court to hand over paperwork and later for the hearing which was very informal in front of the judge who was happy for me to ask questions etc. I suppose it took about 40 mins in court. He was discharged after 12 months spent with overview of official receiver's office. She had nothing to lose. The bankruptcy should be about to be cleared from her credit score.  

I did not change but simply never had club insurance. For all types of insurance i always go for several quotes each year and read the small print to check I get what I want at a price I am willing to pay. This does mean spending many hours on a computer and more often than not changing companies each year. It is amazing the companies that you use then set a high renewal premium and when you change a year later to get you back have a low premium. Any compeny that will not initially quote on line I ignore.

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brave move having two insurance policies live at one time David, with cars anyway, not sure about caravans. Heaven forbid that you have to make a claim within that time, but could be interesting.

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Maybe, like me he has taken insurance that commences when the other runs out. 

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