Red Pennant - loading premium for over 70's

I agree with many of the comments above. I am a strong supporter of the Club but I think they are doing the over 80's a big disservice on travel insurance. I will be looking elsewhere next year when I turn 80

I would like to give the Club my business but not at the premiums I was quoted earlier this year for a "dummy" over 80's policy

Was the change that the Club now underwrite Red Pennant themselves. I hadn't realised this until I looked at the annual report for 2018 where they have put aside £9.2 million of profits for what I interpretted as being potential claims over the life of policies?

peedee 

thanks David.  That does sound like a really odd change, why on earth does the length of the trip home matter.....

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Last year we were booked in for 3 weeks at Sandringham.  A few days before going, we cancelled in favour of an adults-only site in Cornwall - hard standing, fully serviced pitch, and £100 cheaper for the same 3 week stay.  With our French holiday still being a major part of the year, our trend will be to continue finding decent campsites that are cheaper than the CAMC in order to maximise savings towards the French holiday.  This could become a logical approach for an increasing number of members as time goes by, particularly with the £ now being weak against the Euro.

Not sure why anybody would use RP for travel insurance since they effectively sub-contract it. My experience of the Club on insurance is that the only want the “safe” business.

We always have annual multi-trip worldwide travel insurance as we have other types of holidays as well as the motorhome. Also, motorhome insurers usually throw in European breakdown cover either for free or at costs much lower than RP.

But people like RP because of its inclusive nature, one policy to cover all eventualities. At least with RP you know that both sides of the insurance will be seamless which might not be the case when you have separate policies. Some of course will be willing to hedge their bets and take out the two elements separately but many won't. In extreme circumstances (which probably increase with age) you have to ask how, if one partner was incapacitated by a serious incident how would the other partner cope? OK so there are many strong people out there that would not be knocked back by such a problem but I suspect there are many more where it would be and in a real crisis and they might be thankful for the support of an organisation such as Red Pennant?

David

I guess it is convenient, especially if it is your only type of overseas holiday.   For car and caravan the European breakdown is worthwhile but for a motorhome it is a very expensive way of insuring for breakdown and recovery. The quotes I had for motorhome insurance either included annual European cover or it was available at a moderate add-on price. 

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I also used to use it untill the price went through the roof for a larger motorhome. I now do the same as B&B, annual multi trip medical insurance and shop around for breakdown. Currently the latter is part of my vehicle insurance with Comfort.

B&B not so sure the Club contracts it out, they now act as priciple rather than agent but to which insurance it applies, vehicle, RP or both  I have no idea? 

peedee