You do not currently hold 5Cs Caravan Cover

replied on 15/11/2019 09:33

Posted on 15/11/2019 09:33

Deleted User User - 'You do not currently hold 5Cs Caravan Cover or Red Pennant Overseas Holiday Insurance with the Club.'

Today I looked at my insurance details in my profile and instead of links to my 5Cs Cover It held the above info. I thought it best to contact the club and did so in case their operative had previously made an error when I phoned to cancel renewal. It seems not. What can I say about the info in the profile. sealed

I have asked for a confirmation e-mail that I am still covered until the end of term. If you read this David is yours reading the same?

replied on 15/11/2019 16:43

Posted on 15/11/2019 15:46 by brue

But you missed out the next bit of information in your OP didn't you? The bit that says "please consult your policy documents for further details."

You could have asked for e mail confirmation when you cancelled the renewal of your policy which, according to your previous thread will be imminent . Didn't the club send you confirmation when you contacted them previously? Did you query it then?

 

Posted on 15/11/2019 16:43

I could have asked for confirmation when I cancelled auto renew but saw no reason to do so as I could cancel at any time before renewal and so no biggie. When I checked e-mails this morning I expected tat there would have been an e-mail confirming yesterday instruction when there wasn't I looked further. Consulting the documents was pointless if the cover . As this was had been suspended as I was first told followed by you are covered. Two mutually impossible statements and hence why I wanted a confirmatory e-mail. 

In the event I finally got another conversation in the last 10 mins. Followed by an e-mail of confirmation. The person that I spoke to in the claims department at 13.15 had apparently sent an e-mail that did not arrive, Nor was it in spam. It was resent whilst on the phone to confirm cover.  

replied on 15/11/2019 16:50

Posted on 15/11/2019 16:50

The user and all related content has been Deleted User

replied on 15/11/2019 16:53

Posted on 15/11/2019 16:50 by

I'm pleased it is now sorted Alan.  Hopefully better service from elsewhere next year.

Posted on 15/11/2019 16:53

I e-mailed 'our' Rowena who also alerted colleagues. I have thanked her but I will thank her again on forum. Thanks Ro

Rufs replied on 15/11/2019 17:10

Posted on 15/11/2019 15:29 by

Simple. Conversation this morning at 9.15 the operative made two statements. Cover is suspended being one and yes you are covered being the other. Don't you think that warrants a quick a speedy confirmation as I do. 

Posted on 15/11/2019 17:10

No, ok you might not have a certificate, as 1 learned friend has pointed out, but you would have a document stating when cover started and when it ends, if the end date is sometime in the future you are covered. I did not see in your OP any mention to 2 statements

Cover is suspended being one and yes you are covered being the other

if this was the case the second part of the statement is the only part that is relevant and is backed up by your document  undecided

replied on 15/11/2019 17:32

Posted on 15/11/2019 17:10 by Rufs

No, ok you might not have a certificate, as 1 learned friend has pointed out, but you would have a document stating when cover started and when it ends, if the end date is sometime in the future you are covered. I did not see in your OP any mention to 2 statements

Cover is suspended being one and yes you are covered being the other

if this was the case the second part of the statement is the only part that is relevant and is backed up by your document  undecided

Posted on 15/11/2019 17:32

if this was the case the second part of the statement is the only part that is relevant and is backed up by your document undecided

What you seem to not comprehend is that having an insurance certificate (for example) means nothing if it has been cancelled or suspended. It is then a worthless piece of paper - normally. I say normally because after my wife's death I had a documented agreement with direct line. I ran one car in winter and one in summer. I insured both cars individually as fully comp. Direct Line offered me the option of suspending the insurance cover on the car not in use but as long as I did not cancel the policy they would, unusually I suspect, still give theft and accidental damage cover as long as the car not in use was garaged.I wold take one car off the road for 6 months, suspending cover and then, 6 months later restart cover. Direct Line had the advantage of holding the money for 6 months whilst I had the advantage of fire theft and accidental damage for nothing other than loss of interest from my premium payment for 6 months.

In the past before the internet was as prevalent people would buy cover through a catalogue and not keep up payments so that they had a worthless Insurance Certificate to show the police if stopped. 

Rufs replied on 15/11/2019 18:07

Posted on 15/11/2019 18:07

still think this is "mountains out of mole hills"  you seem to have a situation to cover all bases, just hope your next caravan insurance provider has a forum similar to CT, where you can vent your frustrations/undecided,

Oneputt replied on 15/11/2019 18:19

Posted on 15/11/2019 18:19

When you cancel an insurance policy it is generally you who stipulates the date for the policy to end, then any refund if applicable, can be calculated . If you didn’t cancel but just stop an automatic renewal why would you believe the policy was ended before the due renewal date?

replied on 15/11/2019 18:38

Posted on 15/11/2019 18:19 by Oneputt

When you cancel an insurance policy it is generally you who stipulates the date for the policy to end, then any refund if applicable, can be calculated . If you didn’t cancel but just stop an automatic renewal why would you believe the policy was ended before the due renewal date?

Posted on 15/11/2019 18:38

Pretty simple really. When I went to insurance in my profile it said that I had no cover

Rufs replied on 15/11/2019 18:43

Posted on 15/11/2019 18:38 by

Pretty simple really. When I went to insurance in my profile it said that I had no cover

Posted on 15/11/2019 18:43

hope your new provider has such good online facilities...hope your are not too disappointed wink

JVB66 replied on 15/11/2019 18:55

Posted on 15/11/2019 18:55

I also hope that any other "insurance" has the same finacial backing that  caravan cover has, with the huge insurance company that the club have taken out as is required when going Mutualsurprised

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