Insurance clause

I have had this discussion with the club before. The potential total claim on caravan is the total value of the van and contents. With a car the potential could be more than a million if injury claims are involved. The underwriters will not be moved. Shop around.

I use LV. I get CSMA discount. It a Volvo V70 SELux auto fully loaded. Premium last year was £189

Simon

Does not happen very often, but wouldn't they have to take into account the possibility of the van catching on fire / gas explosion and potential damage to other property and persons. When abroad they usually insist you deposit your Carnet for those eventualities.

I would have thought not. If a car parked next to yours catches fire and yours suffers resultant damage I would have thought that normally your only claim would be on your own insurance. 

That would work fine for property ET. However, if a person was hurt would they then be claiming against you, or your caravan insurance? Or possibly would they not have a claim? This is where we need an insurance expert.

The user and all related content has been Deleted User

The user and all related content has been Deleted User

Seems a pretty drastic measure by your insurance  , we are covered by Saga for a similar caravan year & cost , providing we use just 2 out of the 3 security measures while on sites we are covered .

Wheel clamp , hitch lock & alarm  , indeed while on our cassoa gold site here in Derbyshire I'm only required to have one device on / fitted to be completely covered .

Not sure Steve. Personally I doubt that they would have a claim in many cases unless negligence or other tort could be shown.

When I had old caravans I always insured them but took the maximum excess and underestimated the value greatly such that there would have been very little payment out for a total loss. The reason that I wanted cover was so that if there were a fire or a major accident the insurance company would pay to pick up and tip the pieces but also so that if an unhitched caravan rolled away and struck another vehicle or passer-by then there was some insurance cover. 

The (new) requirement to Alarm the van when it is not occupied does cause problems. My van is stored at a Club Site and also insured through the club (5C's). The alarm system uses the main battery, which can run down even if it does not sound. If it goes off the battery obviously goes flat more quickly. Perhaps more annoyingly the noise upsets the wardens and the members on site. If the wardens muffle the noise by stuffing rags in the vent and do not call me or I am not available then the result is no alarm. Insurance invalid?

I think the club should review this requirement when vans are in Gold Storage. Also reading other comments here, remove the requirement when on a club site. Who wants the peace destroyed while the owner is in the shower!