Caravan Insurance recommendation
42 replies
Rufs replied on 02/07/2020 15:10
Posted on 02/07/2020 13:31 by ExtuggerWho 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
Posted on 02/07/2020 15:10
I have an actual policy renewed 16/04/2020 all up £252.08 which i thought was a very fair price, (Coachman Amara 2008) it includes Caravanners Legal Protection (optional) which was £9.75.
it states in the booklet "Caravan Cover is provided by the Caravan Club Limited", and goes on to say "The discretionary cover we provide is not a contract of insurance, and The Caravan Club Limited is not regulated as an insurance company",
this for my OH was a bit of a sticking point but the involvement of Builders Direct and DAS would cover any shortfalls in the club cover, and you do get a Caravan cover schedule" so you have a legal contract document, and if all else fails The Caravan Club Ltd is authorised and regulated by the FCA
Yes the club would be your first port of call in the event of a claim, which is a good point for me as we normally use RP for travel abroad for which again you can deal with the club direct.
My OH is an ex insurance broker of long standing so she know's a bit about insurance, couple of bullet points from the booklet
club have taken out a group policy with Builders Direct, so in the event the club cannot pay, Builders Direct will take up the slack
You have full protection via the Financial Ombudsman and the Financial Services Compensation scheme if Builders Direct cannot meet their obligations.
You also have full legal protection vis DAS Legal Expenses Insurance
My OH signed it off so it is good enough for me
as with any insurance you pays your money and takes your chance
replied on 02/07/2020 16:03
Posted on 02/07/2020 15:10 by RufsI have an actual policy renewed 16/04/2020 all up £252.08 which i thought was a very fair price, (Coachman Amara 2008) it includes Caravanners Legal Protection (optional) which was £9.75.
it states in the booklet "Caravan Cover is provided by the Caravan Club Limited", and goes on to say "The discretionary cover we provide is not a contract of insurance, and The Caravan Club Limited is not regulated as an insurance company",
this for my OH was a bit of a sticking point but the involvement of Builders Direct and DAS would cover any shortfalls in the club cover, and you do get a Caravan cover schedule" so you have a legal contract document, and if all else fails The Caravan Club Ltd is authorised and regulated by the FCA
Yes the club would be your first port of call in the event of a claim, which is a good point for me as we normally use RP for travel abroad for which again you can deal with the club direct.
My OH is an ex insurance broker of long standing so she know's a bit about insurance, couple of bullet points from the booklet
club have taken out a group policy with Builders Direct, so in the event the club cannot pay, Builders Direct will take up the slack
You have full protection via the Financial Ombudsman and the Financial Services Compensation scheme if Builders Direct cannot meet their obligations.
You also have full legal protection vis DAS Legal Expenses Insurance
My OH signed it off so it is good enough for me
as with any insurance you pays your money and takes your chance
Posted on 02/07/2020 16:03
club have taken out a group policy with Builders Direct, so in the event the club cannot pay, Builders Direct will take up the slack
You have full protection via the Financial Ombudsman and the Financial Services Compensation scheme if Builders Direct cannot meet their obligations.
Never my concern that the club or builders could not meet a claim. Having had to commence legal action against an insurance company that could meet a claim but that offered far than my loss I did not wish the same hassle. I got my money by playing hardball and refusing not to go to court. Far rather have access to FSO
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Rufs replied on 02/07/2020 16:31
replied on 02/07/2020 16:58
Posted on 02/07/2020 16:31 by Rufsyou seem to be able to relate to any situation given on this forum so why am i not surprised you had an insurance issue
as i said
as with any insurance you pays your money and takes your chance
Posted on 02/07/2020 16:58
Hello Rufs, nice to 'hear' from you. Maybe the reason that I can relate to situations on this forum is 39 years of caravaning ? As far as insurance goes, these days, with a normal insurance, you pays yer money and have the FOS if you have a disagreement with the insurer. With the caravan Club I have no idea. Do you?
1 person likes this
Rufs replied on 02/07/2020 17:16
Posted on 02/07/2020 16:58 byHello Rufs, nice to 'hear' from you. Maybe the reason that I can relate to situations on this forum is 39 years of caravaning ? As far as insurance goes, these days, with a normal insurance, you pays yer money and have the FOS if you have a disagreement with the insurer. With the caravan Club I have no idea. Do you?
replied on 02/07/2020 17:21
Posted on 02/07/2020 17:16 by RufsYup, like to think i am big enough to fight my own battles, had a few and not been disappointed.
replied on 02/07/2020 17:47
Bri an me replied on 02/04/2023 00:12
Wherenext replied on 12/04/2023 16:12
Posted on 02/04/2023 00:12 by Bri an mehas anyone done the personal Europe holiday insurance with pre existing medical conditions .thank you
Posted on 12/04/2023 16:12
Not quite sure what you mean by "personal Europe" bit. Do you mean Red Pennant? or some other stand alone policy.
All I can tell you is that I have pre-existing medical problems. I have my insurance through my bank account and when I visited Netherlands last year I obtained cover for it but paid an extra amount.
I'm not sure if you will get the best responses to your question on this thread as it relates to caravan insurance. You would be better starting another thread yourself, it's easy, under the Overseas Section or if it's just Red Pennant then you could start it in Club Products section. It looks like you've waiting for approval before your post has appeared. Sorry about that but all new first time posts encounter a delay.
Oneputt replied on 24/04/2023 10:20
Posted on 24/04/2023 10:20
Had my caravan cover renewal from the club. The new quote was £550 without new for old which undoubtedly would have loaded the premium. I have searched for other quotes and come up with one company which will insure new for old and European travel for under £400. The policy is through a Broker and the underwriter is CETA. The reviews I’ve read are quite mixed, anyone have personal experience?
charlie25
Caravanner