Insurance clause

We would not put our alarm on to go elsewhere on the site. Our contents are not included and I very much doubt that somebody is going to turn up, burn off the wheel lock on a CC site whilst I am in the shower. 

It is in fact rare for us both to be missing at the same time as I usually go to the shower block at 6.30am and OH after 7.15am

By all means look elsewhere but I doubt if their answer will be different.

Simon, there are of course many variables with van insurance but we have just done ours, a three year old Lunar valued at £16500, and it was £200.

At no time in the discussions with my old, or new, insurers was there any mention of the alarm.

Re the alarm, ours is on when in storage and when parked while travelling but we did have issues when new as Lunar had wired the alarm connector the wrong way around so setting the alarm meant that you were activating it.

Hi Simon,

I have just checked with an insurance colleague and been advised for many years there has been an endorsement on our caravan policies regarding alarms as follows:-

The Tilt/Movement/Corner Steady Sensor alarm system and all locks shall have been put into full and effective operation at all times when the caravan is not being towed or when it is parked and not occupied.

If this is the case then you receive a 10% discount. Therefore, the discount would have been approx £34.10 from the price you have quoted.

To be fair, I don't think you can compare caravan insurance with a car as they are totally different in the way of uses.

I hope this explains a little for you and you can understand why we cannot give the discount when the alarm is not set.

Kind Regards

Tracy

If this is the case then you receive a 10% discount. Therefore, the discount would have been approx £34.10 from the price you have quoted.

Tracy I thought the discount was on the full cost of the policy. If so that would account for the quoted figure of £78.39. Your 10% figure is based on the final cost. Therefore if they stopped claiming the alarm discount, the policy total would not just increase by that figure.

In the event of an incident how would the insurance company know whether or not the alarm had been set, does the alarm have some sort of recording device built-in?

 

The user and all related content has been Deleted User

I have to agree with the point that a loss is unlikely if you have just gone for a shower and would not worry about it. The shower is probably in the morning when there are plenty of people about and breaking into a caravan would simply attract too much attention and there is no time to steal it if it has a decent wheel lock and even more so an awning.

If the dog is big enough that would also put off thieves.

On the question of how would they know if the alarm was set then it would be very difficult for them to prove it either way, if you said it was, although if you had a dog inside the answer is obvious.

The systems will vary as to how easy they are to disable but I am convinced if I broke into our old Avondale I could do this before the alarm went off, although you would have to know the system,and even then the siren was pathetic and might not attract attention if on for seconds.

The Tilt/Movement/Corner Steady Sensor alarm system and all locks shall have been put into full and effective operation at all times when the caravan is not being towed or when it is parked and not occupied.

Under 'definitions' of the policy nowhere is occupant defined, maybe the dog could be defined as being the occupier.

Now I like that thought. as long as they don't charge on site for a 3rd occupant!!

 

Simon

Interested to know where the OP gets fully comp insurance  for less than £200 for a car worth almost £40k !