Caravan Insurance recommendation

That's strange.  Our van is a Knaus - quite a few companies declined to quote since the value was over £30k.  A couple of others didn't know the difference between body length and shipping length and declined on the basis that at 8.1m, it was too long and another insisted on a tracker being fitted

On the other hand, I didn't have any problems at all with the CAMC Cover and I was able to pick and choose which security devices to fit and therefore which discounts to earn.  And as I said earlier, their quote was not quite the cheapest, but certainly up there with them.

I tried NFU because both of our cars are with them and I know they have an excellent reputation for settling claims.  When I enquired, however, they told me they could only insure a caravan if it was done in conjunction with House insurance - I think it was called 'Lifestyle' policy or something similar.  The combined quote was something like £1200 for the year and obviously totally out of the question.

Really???

From the Club website: "Our permitted business is advising and arranging general insurance contracts" No mention of underwriting the business and if you need to make a claim:

Send in your claim form

Email your completed claim form to: caravanclaims@devittinsurance.com

Alternatively, post it to: Caravan Cover Claims, Devitt Services Ltd, North House, St Edwards Way, Romford, Essex, RM1 3PP

Strange that 🤔

I think you'll find Devitts handle claims on behalf of the club. 

There's a long thread on the subject somewhere with an official explanation.

Corners is correct.

Edit: Here you are - good luck.

https://www.caravanclub.co.uk/club-together/discussions/club-talk/club-products-services/caravan-club-non-insurance-policy/

RandR. 

I thought it strange too, which is why I was disappointed not to be able 'to take advantage' of the Club's 5 star rated cover. I, too, came across many insurers who didn't know the differences in caravan lengths and shipping lengths (to be fair, some breakdown companies also struggle with that one!) but the final straw with one of said companies was when I was asked if I had 'other' security devices. When I replied "Yes, Smart Water" the reply came "What's that?!" I put the phone down.

When I googled caravan club and your quote it took me to the pages for 'Other Insurance' as opposed to Caravan Cover. For Caravan COver it states:

Caravan Cover is provided directly by the Caravan and Motorhome Club.

What's the difference between Caravan Cover from the Caravan and Motorhome Club and caravan insurance?
 

As we are a membership organisation, and caravan cover is not a legal requirement, we have been able to establish a product just for our members where all aspects of cover are dealt with by the Club.

For example, if you make a claim you would be dealing with the Club rather than a third party organisation.

We provide Caravan Cover on a discretionary basis which means our Board has full discretion over whether to agree to pay claims and the amounts to be paid. They may also agree to pay claims outside the terms and conditions of the cover if they feel the circumstances justify it. It is not a contract of insurance.

Who underwrites the policy?

Has anyone got an actual policy to clear this point up, because nowhere does it state Caravan Club Ltd do? 

It's irrelevant anyway, because their quote was too expensive 

Thank you Easy....and to Tinners for the link.....to your post.

Frankly I'm glad now I didn't go with CAMC as it's misleading. 

"For example, if you make a claim you would be dealing with the Club rather than a third party organisation"  Not true, unless Devitts are part of the Club!

Judging by the number of replies to your post Easy, it's a can of worms I don't want to open!

Happy travels everyone 😀👍

I was never truly satisfied with the club's responses Jon. When I reported that the Financial Ombudsman Service had reported to me that they could not act in regard to the CMC Cover the CMC spokesman said that he would speak with them and sort it out. I think that the club had been running their cover for around 15 months at that point. He came back later to say all was sorted and that the FOS would amend their information as a complaint could be made against the insurer that the club has. However in the info supplied by the club this insurance is contracted to the club in the event that the club is financially unable to meet claims due to a financial shortfall. Nowhere does it state otherwise. So I remain unconvinced that should the club be financially sound that such insurance would operate in the event of a claims dispute in the first instance particularly as I would be a third party. To me as clear as mud. As I felt that the club has worded responses carefully ..... but not always clearly and fully I shall simply give the go by 

As you say Easy, all as clear as mud. Thanks for taking the trouble to respond at such length, with so much information. Having worked in the industry, I'm surprised at how many people are prepared to risk their obviously cherished and expensive leisure vehicles in such an ad hoc way! Furthermore, the OP asked about insurance and many posts on here are recommending something which is not insurance. "Oh the Caravan Club take care of everything" doesn't wash with me either, especially now following lockdown and the loss of a reported £20 odd million in revenue. Only needs an influx of claims (how many will there be on the next 3 days?) to put the Club under further financial pressure and then more price hikes will be likely. The bean counters don't like it up em Mr Mainwaring!

ps Corners, if you're reading this 'Actuary' is what you were searching for 👍😀