CAMC Insurance

777 replied on 22/12/2019 15:35

Posted on 22/12/2019 15:35

In the early hours of 11th November, we had our 4 month old, top of the range twin axle caravan stolen by a gang of five very “professional” thieves carrying massive crow bars. They all wore balaclavas, and totally ignored the cctv cameras dotted around the storage site. They smashed through electric barriers, and gemmied off wheel and hitch locks, on both ours, and another similar nearly new caravan, removing the alarm and tracker boxes leaving them on the ground. They then drove off into the night using two vans with no number plates.  The police followed up, reviewed the cctv footage and declared there was nothing further they could do. Luckily we were insured new for old with the Caravan Clubs insurers, and their treatment of us and our claim has been absolutely first class. Their Loss Adjuster was very supportive, and gave us complete confidence. As a result, four weeks and three days from the day of the theft, payment was made in full,and we have our replacement 2020 model arriving in January. I could not recommend the CAMC insurance highly enough, they were absolutely magnificent.  

JVB66 replied on 25/12/2019 09:55

Posted on 23/12/2019 20:23 by

As long as your unswerving faith in the "club" is enough for you all well and good.  However  I  like many here have something standing in the drive that is the third most expensive item I have bought in my my life and  I am afraid that insuring it with an organization that "may" cover its repair or replacement isn't  good enough. The fact that in this case it behaved like a "proper" insurance does not overcome my reservations or make me question my decision to  pay extra to get proper insurance.

Posted on 25/12/2019 09:55

But the "may "you will find applies to all companies, its seems that by being "up front"it seems that the club have brought out the nay sayers 

replied on 25/12/2019 10:14

Posted on 25/12/2019 09:55 by JVB66

But the "may "you will find applies to all companies, its seems that by being "up front"it seems that the club have brought out the nay sayers 

Posted on 25/12/2019 10:14

The user and all related content has been Deleted User

JVB66 replied on 25/12/2019 10:17

Posted on 25/12/2019 10:14 by

Ask yourself why when the Club changed its caravan insurance to caravan cover it changed all occurrences of WILL to MAY. Bye now I have better things to do on Xmas day than talk any more about  insurance.

Posted on 25/12/2019 10:17

Why bring it up in the first place then, just to be a nay sayer again as with most of your postsundecided

replied on 25/12/2019 11:26

Posted on 25/12/2019 09:55 by JVB66

But the "may "you will find applies to all companies, its seems that by being "up front"it seems that the club have brought out the nay sayers 

Posted on 25/12/2019 11:26

Insurance terms that I have read all say 'will pay' and not 'may pay' although that of itself is of no concern to me with regard to CMC. Please research more before making such unfounded comments lest somebody assumes that you are correct. 

davetommo replied on 25/12/2019 17:01

Posted on 25/12/2019 08:42 by

In my case it is not a matter of trust. I think that what CMC offers is very good but I wish to have regulated insurance.

Posted on 25/12/2019 17:01

What makes you think the regulators have any teeth. For instance water gas electric railways. They have regulators and do what they want, they all ride roughshod over us and take no notice of the regulators.

replied on 25/12/2019 17:12

Posted on 25/12/2019 17:01 by davetommo

What makes you think the regulators have any teeth. For instance water gas electric railways. They have regulators and do what they want, they all ride roughshod over us and take no notice of the regulators.

Posted on 25/12/2019 17:12

What makes you think the regulators have any teeth

Published case histories.

JVB66 replied on 25/12/2019 19:06

Posted on 25/12/2019 11:26 by

Insurance terms that I have read all say 'will pay' and not 'may pay' although that of itself is of no concern to me with regard to CMC. Please research more before making such unfounded comments lest somebody assumes that you are correct. 

Posted on 25/12/2019 19:06

And you are? All policies pay outs are "discretionary " but when a company says it in their paper work it is almost a "crime"surprised

replied on 25/12/2019 19:23

Posted on 25/12/2019 19:06 by JVB66

And you are? All policies pay outs are "discretionary " but when a company says it in their paper work it is almost a "crime"surprised

Posted on 25/12/2019 19:23

And I am what JVB ?

If the insurance company applies it's 'discretion' wrongly then that is what the financial ombudsman is there to adjudicate on and correct as appopriate.

When a company says it (may pay) in their paper work it is nowhere near a crime. It is because they are selling unregulated  mutual cover. As I said earlier I believe that CMC offers a good product but not what I wished to buy.

I've said my piece. Don't exaggerate my words or meaning.

Oneputt replied on 25/12/2019 20:44

Posted on 25/12/2019 20:44

From my club policy document:

If you cannot settle your complaint, or it remains unresolved, you may be entitled to refer the matter to the Financial Ombudsman Service (FOS). Further details of the FOS may be obtained by contacting them on 0800 02364567 or by visiting their website

 

replied on 25/12/2019 20:59

Posted on 25/12/2019 20:44 by Oneputt

From my club policy document:

If you cannot settle your complaint, or it remains unresolved, you may be entitled to refer the matter to the Financial Ombudsman Service (FOS). Further details of the FOS may be obtained by contacting them on 0800 02364567 or by visiting their website

 

Posted on 25/12/2019 20:59

You may be? Or you may not be? So either statement applies!

Certainly, as far as I can ascertain, the CMC has, in the past, said that this may be possible with regard to the company providing the CMC's policy which, however, comes into effect in the event that CMC cannot meet financial commitments. Certainly there has been no great clarity there from the club. My understanding is that the financial ombudsman does not regulate mutual cover schemes and hence why they are described as unregulated..

 

With a regulated insurance you are entitled to refer disputes to the Financial Ombudsman 

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