CAMC Insurance

777 replied on 22/12/2019 15:35

777

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.

5 people like this

138 replies

JVB66 replied on 26/12/2019 11:40

Member

JVB66

Caravanner

Posted on 26/12/2019 11:21 by

Very true, so the customers are well protected by both large reserves and the FOS.

Posted on 26/12/2019 11:40

But then the cc policies are also underwritten by another insurance company?

Rufs replied on 26/12/2019 11:45

Member

Rufs

Caravanner

Posted on 26/12/2019 09:23 by davetommo

The proof of the pudding is in the eating. They paid the OP no problem

Posted on 26/12/2019 11:45

exactly, and i stated this earlier, but you will not win the argument because there are those on here who have now purchased insurance away from the club, and although not an insurance broker myself my OH was for many years and she could relate to many instances of "the good the bad and the down right ugly" when it came to so called "reputable" companies withholding payments for what seemed to be trivial reasons.

What people do not seem to be taking into consideration is that the club has more than a reputation as an insurance provider to uphold, it also provides a very profitable caravan and motor home camping business and upholding this reputation is paramount to the club being successful in both areas, so being seem to be wanting in either area could be disastrous for the business as a whole.

2 people like this

Rufs replied on 26/12/2019 11:53

Member

Rufs

Caravanner

Posted on 26/12/2019 11:53

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

this is very true and stated many times on here, but the success rate is very dubious as has been discussed previously

replied on 26/12/2019 12:10

Posted on 26/12/2019 11:45 by Rufs

exactly, and i stated this earlier, but you will not win the argument because there are those on here who have now purchased insurance away from the club, and although not an insurance broker myself my OH was for many years and she could relate to many instances of "the good the bad and the down right ugly" when it came to so called "reputable" companies withholding payments for what seemed to be trivial reasons.

What people do not seem to be taking into consideration is that the club has more than a reputation as an insurance provider to uphold, it also provides a very profitable caravan and motor home camping business and upholding this reputation is paramount to the club being successful in both areas, so being seem to be wanting in either area could be disastrous for the business as a whole.

Posted on 26/12/2019 12:10

The user and all related content has been Deleted User

1 person likes this

replied on 26/12/2019 12:14

Posted on 26/12/2019 11:40 by JVB66

But then the cc policies are also underwritten by another insurance company?

Posted on 26/12/2019 12:14

The user and all related content has been Deleted User

2 people like this

Rufs replied on 26/12/2019 12:18

Member

Rufs

Caravanner

Posted on 26/12/2019 12:10 by

Why do you want to "win an argument" about what others decide to choose for insurance to the point of unpleasantness as you did yesterday. In the months whilst I was still covered" by the club I didn't loose any sleep over it but I made my decision when the the existing policy came to its end to look elsewhere and "put my money where ...."

Incidentally my home is insured by the Caravan Club and it will probably continue to be considered each time I renew or will be as long as it is insurance they are offering.

I care not at all what you or any others here do for your insurance and find it hard to understand why my affairs are of such interest to you.

Posted on 26/12/2019 12:18

obviously touched a raw nerve

I care not at all what you or any others here do for your insurance and find it hard to understand why my affairs are of such interest to you.

so why keep posting and telling us all your domestics, personally i do not care who you use to insure what, but you keep harping on about how you have now found alternative arrangements to the clubs insurance for your treasured Hobby, we get it, you dont think the clubs cover is for you you dont need to keep banging on about it.

replied on 26/12/2019 12:24

Posted on 26/12/2019 11:40 by JVB66

But then the cc policies are also underwritten by another insurance company?

Posted on 26/12/2019 12:24

The CMC cover policies are, as far as we are told, not underwritten by any other insurance company. The CMC have themselves taken out an insurance to provide funding if they themselves become insolvent and are unable to sustain claim payments. Very much a different thing

3 people like this

Cornersteady replied on 26/12/2019 12:28

Member

Cornersteady

Caravanner

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 26/12/2019 12:28

Think that was fully explained by Ro, as a mutual it could not legally use the word will.

Ask yourself if your insurance will always pay out? Whatever the circumstances? or just when you meet the conditions for payment. Seems you have a may as well.

Cornersteady replied on 26/12/2019 12:29

Member

Cornersteady

Caravanner

Posted on 26/12/2019 12:18 by Rufs

obviously touched a raw nerve

I care not at all what you or any others here do for your insurance and find it hard to understand why my affairs are of such interest to you.

so why keep posting and telling us all your domestics, personally i do not care who you use to insure what, but you keep harping on about how you have now found alternative arrangements to the clubs insurance for your treasured Hobby, we get it, you dont think the clubs cover is for you you dont need to keep banging on about it.

Posted on 26/12/2019 12:29

yes +1

replied on 26/12/2019 12:29

Posted on 26/12/2019 11:53 by Rufs

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

this is very true and stated many times on here, but the success rate is very dubious as has been discussed previously

Posted on 26/12/2019 12:29

Some of the cases are of themselves rather dubious and so that comes as no surprise. To refer to FSO you need not have a substantive claim and may be a person grasping at straws. I have read many cases with various insurances where folk have referred to fso with no chance of a better outcome, including somebody who had their caravan insured and when it was stolen they admitted that required wheel locks were not fitted.

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