Caravan Club Non Insurance Policy

Posted on 18/11/2019 09:26 by

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

Posted on 18/11/2019 09:29 by Metheven

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.

Posted on 18/11/2019 09:35 by JVB66

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"

Posted on 18/11/2019 09:29 by Metheven

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.

Posted on 18/11/2019 09:59 by

I doubt that any company has tightened its questionnaire - small print possibly. Not aware that other companies have imposed area wide removal of cover in large areas of UK for new policies. Rufs implies that they have though?

Posted on 18/11/2019 10:05 by

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.

Definitely! Any new business at present is subject to a large restriction in cover which is indeterminate in length however the cover being restricted. However as the club says 'The Club will keep these measures under constant review and when the extreme weather conditions abate remove the restrictions.' Probably not a problem for those living outside Lincolnshire, Midlands, South Yorks etc if they do no tour over winter. 

Posted on 18/11/2019 10:19 by Rufs

what clap trap, i grouped householder/RV's together and you ask any householder who lives in a flood affected area just how difficult it is to get household insurance, my inference was that this undoubtedly will happen in the RV sector, do you think that people who have made claims for flooding in storage areas are not going to have some difficulties when they come to renew their insurance?, but be careful what you wish for, there is what is known as "duty of care" so your new provider may take a dim view of you using e.g. Chatsworth House and not being aware of the dangers of flooding if you should have to make a claim.

Posted on 18/11/2019 10:26 by Surfer

Didn't the floods of 2007 occur during the middle of summer? It took the wife nearly 3 hours to come collect me and I was only 18 miles away.  It then took us another 3 hours to get back to the caravan only to be woken up the next morning at 4am and being told we need to move very quickly due to flood waters.  We were in Stourport on Severn. 

During one winter we had two hours to get off a caravan site during a flood and some people had gone out for the day.  If you have a full awning up etc it can take awhile to get everything sorted to move the caravan rapidly.  If we had stayed, we would not have been flooded, but we would not have been able to leave heh caravan park for several days..

Posted on 18/11/2019 09:57 by Rocky 2 buckets

+1, the common sense reasoning👍🏻