Caravan Club Non Insurance Policy

and I for one am thankful that you do.

Good summary of the facts WN, thanks for posting

I apologise and you are correct and I used the incorrect term.  However whichever way we look at it the Caravan cover is very suspect.  Only yesterday I came across another abnormality. 

In the CAMC booklet on page 6 it states that if you leave the caravan unattended only ONE of the following is required, hitchlock, wheel lock, heavy duty chain, immobiliser or alarm by a click on the key fob.  Strangely you cannot immobilise a caravan like a vehicle.  Weirdly it does not state that the alarm needs to be activated when left unattended?

On the actual policy documents that you get if you accept Caravan Cover it states that whenever a caravan is left unhitched it must be immobilised or protected from theft by use of a hitchlock, wheel clamp, heavy duty chain or alarm system. There is no mention of "one of the following". 

The documentation implies that all of the security devices must be used or none if you have the alarm.  It does not mention that the alarm needs to be activated? 

A contradiction between the information in the book and the actual documentation?  How many people carry a heavy duty chain and if is not fitted when the caravan is left unhitched and unattended then your claim "may" be rejected.

I would strongly suggest that the CMC really needs to look at the wording again as it is offering them a "get out" clause which is not good for the consumer.

I would take the "unatended" to mean if hitched to the tow vehicle when having a comfort stop

States unhitched and unattended.  It seems nothing required if hitched and unattended?  Still weirder and I checked the documentation before writing this post. 

However It states under the alarm clause that the tilt/movement/corner steady alarm system and all locks shall have been put into full and effective operation when the caravan is not being towed or when it is parked and not occupied.

I did miss the above initially however it seems that if you stop for a comfort stop all the above need to be in operation.  If you activate the alarm it will trigger as it is connected to the vehicle.

Under Approved tracking clause it states that the tracking system shall be in full and effective use at all times and maintained in accordance with manufacturers recommendations.  You cannot have the tracker activated all the time as the moment you move the caravan it will trigger an alert to the call centre.

As said I really think the CMC need to look at the wording as it is all stacked in their favour to reject a claim.  I am assuming that the documentation overrides the booklet?

I did miss the above initially however it seems that if you stop for a comfort stop all the above need to be in operation.  If you activate the alarm it will trigger as it is connected to the vehicle.

Just unplug from tow car in that case but leave hitched

Under Approved tracking clause it states that the tracking system shall be in full and effective use at all times and maintained in accordance with manufacturers recommendations. You cannot have the tracker activated all the time as the moment you move the caravan it will trigger an alert to the call centre.

I would have thought a tracker was operating at all times. It just isn't sending out an alert to the tracking company. Either because it has been deactivated by the fob. Or in the case of the one in our MH we have a tag that has to be carried in the vehicle. Ours is certainly active all the time, as it logs our journey, which can be reviewed on an App. Great for seeing what they are doing with it, when it went in for some warranty work.😀

That is correct however they use the words in "full and effective use".  Surely this cannot be applied as most trackers are connected into the alarm system plus if it is not sending out alerts it is not in full and effective use?  I know it is a bit pedantic but rather safe than sorry! 

Unattended in my book which requires one security defence is for a comfort stop ,whereas unhitched and unattended is when on site/in storage

We never leave the van unattended whilst hitched and I do wonder how many folk don’t put one or more security device on the van when on site or storage?