Caravan Club Non Insurance Policy

In more general terms; South Yorkshire, Lincolnshire and the Midlands.

Thinking about it 'The Midlands' must cover about 8 counties?

I don’t fundamentally disagree with what they are doing, they don’t want to take on anything with what might be construed as added risk. It’s the vagueness of the statement in terms of what geographical areas are covered, and applying historical records regarding flood warnings that’s not clear.

It would appear two floods in two decades is enough to condemn the whole of South Yorkshire, so I have little hope for the good folks in the Shropshire, Worcestershire, Gloucester, Welsh Border areas. Even if they live high on a hill!

IMHO it will not be long, before LV insurances will include flood damage,if not already, in the questions and post codes of where it is stored (if applicable)kept, and will be reflected in the cover/cost ,as will a note about going to areas that are subject to yellow and above warnings for what ever weather, as it will give them another reason for not/or reducing claims

I believe that storage postcode is already costed in since insurance costs for caravans does seem to change with area.

I have a feeling that neither the CMC or its backer would be very happy to pay out large sums of money for claims relating to numerous caravans damaged by recent floods hence the reason for the change in policy. 

As a new mutual it may not have sufficient funds currently and if it loses its backer, Builders Direct, there could be issues as we cannot claim from Builders Direct.  A bit late to impose new terms going by what we saw yesterday by River Avon off the M5.

Financially I would think CMC has sufficient reserves. It has obviously made the decision that it does not want to sell policies at present due to likely flood claims. I wonder if has already had many?

I can understand why the club have done it.  An uninsured van in storage which is flooded and the owner decides to take out a policy with the club then put in a claim.  Just watch the tricks people get up to in the programme 'claimed and shamed'

I doubt that to be the reason OP. The sort of flooding that would cause such damage is doubtless recorded along with dates within data held by environment agency and would also be reported in local media. If you get flooded today and try and get insurance afterwards and lodge a claim it is not going to wash (pun intended) and you could face criminal charges.

I see it as purely avoiding new business

Agree the reasoning is as 'Oneputt' stated, just need to be watchful that when it is re-instated it is from a clean slate, and flood alerts/warnings are not historical if a claim is made in future.

There have been several areas this year where flooding has not been "reported"before, and as you say there are always those who will try it on, after the event ,so i would think that other companies have also tightened up their questionnaires and policy "small print"