Caravan Club Non Insurance Policy
757 replies
Cornersteady replied on 12/11/2019 21:24
Tinwheeler replied on 12/11/2019 21:30
replied on 13/11/2019 07:58
Oneputt replied on 13/11/2019 08:17
Posted on 13/11/2019 08:17
We are going round and round in circle here. Any insurance company can refuse or reduce a claim for any number of reasons from not filling out the application form correctly, exaggerating the claim, breaking the law etc.. etc..
At the moment we have no evidence that the club will default on any claim so isn't the whole thread speculation and a vehicle for the club haters 'to have a go'
4 people like this
replied on 13/11/2019 08:18
Posted on 13/11/2019 08:18
The third party bit is what decided me. I recall taking legal action, as I said earlier for an amount just over £5,000 in today's money. No Ombudsman then. In the same circumstance today, without the Ombudsman and for that amount I would let it go and accept the loss of a relatively small amount.
Cornersteady replied on 13/11/2019 08:21
Posted on 13/11/2019 08:17 by OneputtWe are going round and round in circle here. Any insurance company can refuse or reduce a claim for any number of reasons from not filling out the application form correctly, exaggerating the claim, breaking the law etc.. etc..
At the moment we have no evidence that the club will default on any claim so isn't the whole thread speculation and a vehicle for the club haters 'to have a go'
Rocky 2 buckets replied on 13/11/2019 08:23
replied on 13/11/2019 08:26
Posted on 13/11/2019 08:17 by OneputtWe are going round and round in circle here. Any insurance company can refuse or reduce a claim for any number of reasons from not filling out the application form correctly, exaggerating the claim, breaking the law etc.. etc..
At the moment we have no evidence that the club will default on any claim so isn't the whole thread speculation and a vehicle for the club haters 'to have a go'
Posted on 13/11/2019 08:26
Yes we are going around. Any insurance company can undervalue a third party claim despite the evidence. It happened to me, but for the last 20 years there was the option to refer to the Ombudsman with regard to insurance companies. You could consider it an additional cover. It is that simple. If you do not wish that cover it is up to you entirely - Some do and some don't. Entirely their choice.
2 people like this
replied on 13/11/2019 08:44
replied on 13/11/2019 08:55
Posted on 13/11/2019 08:44 byMy decision to "jump ship" after nearly 40 years was a lot simpler, hadn't thought about 3rd Party obligations or recourse to an Ombudsman it is purely as highlight by DK much earlier ie "how much do you trust the club"
Having experienced the lengths I had to go over a modest sum (£90)in a miss selling dispute I am not going to fight it for thousands.