Insurance Values

Hello all,

First of all I hope this is in the right section?

Last year we brought a caravan and I took out 5C's insurance as a little bit of piece of mind and as it was through the caravan club I thought I'd be in good hands (everyone I spoke to was most helpful and friendly). Unfortunately on a trip to France I managed to pull the back end off (long story), but after a lot of sealant I made it roadworthy and we continued to enjoy our holiday.

On returning to the UK I contacted the insurers and made the claim (something that we all hope we never have to do). All was well and I was treated with good service. Ashwick then sent out a chap called Mr Reid from Reid & Co. who was also friendly and he carried out an assessment. All seemed really well until the engineers report came back saying that the caravan was damaged prior to the incident; they said it had been repaired with sealant!! (the sealant that I had used to fix the rear end and awning rails back on with!)

Anyway, Ashwick decided that the caravan was a write off and offered me half of what the current retail value is for a like for like caravan (pre-incident).

Has anyone else had a similar experience and also does anyone know of any independent engineers/assessors that I can employ to come out and give me an unbiased report?

Also if anyone has a 2001 Lunar 615 (preferably Gemini) in immaculate condition without any damp for under £2500 I will happily come and buy it from you today. (although apparently Oxford, Swindon & Reading Caravans will sell them for only £650.00!)

Kind regards

Aaron