Caravan Club Non Insurance Policy
757 replies
Freddy55 replied on 20/11/2019 18:58
Posted on 20/11/2019 18:33 by OneputtSecurity condition
It is a requirement of cover that whenever the caravan is left unhitched from a towing vehicle it is immobilised or protected against theft or unlawful removal by the use of one of the following: a hitchlock, wheel clamp, heavy duty chain or immobiliser or an alarm system. (This does not apply when your caravan is in for a service as long as it is stored in a secure compound)
Failure to comply with this security condition means you will not be covered for claims following the theft or attempted theft of the caravan and will show on your Caravan Cover schedule.
Posted on 20/11/2019 18:58
Which seems at odds with my own expectations? I had to stipulate which security devices would be employed, and got the appropriate premium. I’d be surprised if the club paid out for a claim with only one security device (I’ve stipulated two) employed. To be fair, I haven’t studied my cover document.
Freddy55 replied on 20/11/2019 18:59
davetommo replied on 20/11/2019 19:31
Posted on 20/11/2019 14:42 by SurferWhich would you accept as being correct, the word from some one or it in writing. I know that for peace of mind I would want it in writing.
Hang on I have it in writing and that is not what it says. I would post a pdf but it seems this antiquated system does not allow it?
davetommo replied on 20/11/2019 19:37
Posted on 20/11/2019 19:37
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".
If it needs all then it should be worded by use of Hitchcock, wheel clamp heavy duty chain and alarm system not or alarm system. Also you get a discount if you have an alarm system
replied on 20/11/2019 19:59
Posted on 20/11/2019 19:37 by davetommoOn 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".
If it needs all then it should be worded by use of Hitchcock, wheel clamp heavy duty chain and alarm system not or alarm system. Also you get a discount if you have an alarm system
Freddy55 replied on 20/11/2019 20:09
Oneputt replied on 20/11/2019 21:00
Posted on 20/11/2019 21:00
It is a requirement of cover that whenever the caravan is left unhitched from a towing vehicle it is immobilised or protected against theft or unlawful removal by the use of one of the following: a hitchlock, wheel clamp, heavy duty chain or immobiliser or an alarm system
The above is the t&c’s for the club cover. When I took out the policy on my new van, I ticked the boxes of all the security devices I use.
My reading of the policy is that when unhitched I only need to use one of the devices I nominated
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Cornersteady replied on 20/11/2019 21:46
Posted on 20/11/2019 21:00 by OneputtIt is a requirement of cover that whenever the caravan is left unhitched from a towing vehicle it is immobilised or protected against theft or unlawful removal by the use of one of the following: a hitchlock, wheel clamp, heavy duty chain or immobiliser or an alarm system
The above is the t&c’s for the club cover. When I took out the policy on my new van, I ticked the boxes of all the security devices I use.
My reading of the policy is that when unhitched I only need to use one of the devices I nominated
Rufs replied on 21/11/2019 08:40
Posted on 21/11/2019 08:40
To be fair, I haven’t studied my cover document.
me neither, i go on the assumption that if i buy cover from a reputable company and tick all the main boxes all will be fine, to be honest have never had more than a couple of claims for insurance compensation in my whole life and never had a problem
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