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  1. I have just had my caravan insurance renewal declined by Tower Gate insurance - apparently their underwriters declined because of the storage site I am using - even though they have insured me there for the last 2 years. Has anyone else had a similar issue with Tower Gate or any other companies. I did ask for a more detailed explanation but Tower Gate were not forthcoming.
  2. Although quite an old topic, it looks as though there are a lot of 'What ifs' and 'I don't'. The world today needs to have a reason why something has gone wrong, if it is found to be the fault of an item introduced by somebody who was not competent then the chances of the insurance paying out are slim. In a car if you improve it and put in add ons, if they aren't declared to the insurance company and something happens, the insurance compant may not pay out, quite simple. For houses, if a gas check is not carried out or an electrical check, it isn't law (in your own home
  3. Sam, as the guy who investigated accidents for the insurance I cannot condone a ratio that high. The only accidents I have come across where the driver lost the caravan are ones where the towing ratio was high. The problem is that in most cases you will get away with it, but in the event of a serious problem a bad towing ratio means there is a serious danger of the tow car not being able to control the caravan. Cars with a better towing ratio can still have problems, but the higher the towing ratio the more likely it is that you will not be able to save the outfit in an emergency. I would hav
  4. It's quite common to see people writing to forums telling what additional wiring they've added to their caravan, sockets etc. I was wondering, as few people seem to get a wiring inspection certificate, what the position would be if they needed to make an insurance claim, especially an electrical fire. As with a house, they would want to see the necessary certificate to say the wiring complied with the necessary regulations. I know this probably wouldn't apply to older vans, but I was just interested.
  5. Hi all first time posting here! We own a sierra 2012 have done since new, however two weeks ago we heard running water from shower turns out it was coming from behind the shower unit and had to remove mirror in bedroom to stop leak. The floor took some water which soaked into bedroom which to be honest didn't think it would be that bad as we turned off water quickly However fast forward a week and we walk into a awful damp/Fosty smell coming from the leak area. My question is I'm quessing the floor will now need replacing but it's between the walls of shower and bedroom so I d
  6. Its purely a commercial decision, based solely on the fact you are unable to comply with one of their conditions, that being you must use a certain form of security device. I am insured with them, if I fail to fit the wheel lock there is a higher risk of my caravan being stolen and, as such, if my caravan then got stolen because I didn’t fit an AL-KO wheel lock they wouldn’t pay out. Are you expecting them to offer you preferential treatment or terms compared to other caravan users such as me? Some people pay more for their insurance, or are refused cover, because of the postcode they l
  7. I am in the process of renewing my caravan insurance and a few policies had endorsements stating an AL-KO wheel lock must be used. I use a Nemesis lock and I'm not going to change to a fiddly and expensive AL-KO lock. Query through the broker. Lifesure came back immediately stating they would accept the Nemesis. Also if no wheel lock was employed a tracker was accepted as an alternative which may be acceptable to the OP. Tuggit, you have my support. Although not disabled mysel my wife and I are full time carers to a wheelchair user and it is amazing how much is still stacked
  8. A google search comes up with a few caravan storage places in East Lothian. You would have to call them to see if there are any spaces though. Whilst they may not be very close to you at least it would solve your problem. In the storage places I have used, one was 25 miles and the latest 12 miles from where I live but going there is just accepted. In some ways using storage can be better than leaving it parked on a road, less likely to suffer damage and does not indicate to others you are away on holiday. Another one is it will not annoy any possible neighbours who get fed up of seeing it outs
  9. Afternoon I am not intending to cover subjects already spoke about but want to Talk wheel security. We have dismissed AL-KO locks and shan't be changed . We have never used a mover and don't intend to. The AL-KO lock was a pain on a S/A as it needs to be exact and im not playing games with a Twin. Now ive been looking at 3 insurance companies. CMC, CCC and Caravan Guard. Now Caravan Guard consider an Axle lock as anything that locks into the reciever. Here i am liking the Full Stop Excalibur and then tick the 'wheel clamp' box for a Wraith or Ne
  10. Having already bought might be too late, but if you obtained the VIN for the caravan then touted around for an insurance quote, the theft may ping on the data base. Certainly if the caravan had been damaged and written off, the insurance companies would be aware of the fact.
  11. The reason I have been given for that is because with a twin axle caravan the wheel with the lock on can easily be deflated, that particular wheel is then no longer in contact with the road surface, so the caravan can then be easily towed away. If both wheels on the same side have wheel locks that cannot be done. Makes perfect sense to me. As for really cheap insurance........ The insurance market is very competitive, if someone is offering it at a much lower price there has to be a reason, the only reason I can think of that will enable them to offer much
  12. P101, it’s a spinning lock so can’t drill it out as it’ll just keep moving with the drill 😫yes we’ve got the locking wheel nut tool once it’s opened. 8ftwanderer, our caravan insurance doesn’t cover it....gutted. Not thought of house insurance but I’ll ring them. I never mentioned a caravan to them though so not sure if it’s just house keys cover. we’ve even bought a used AL-KO 7 lock hoping the key from that one might fit but no luck. Still got it for when we get this one off!! I'll update this thread as we progress (she says with positive hope!!)
  13. Are you specifically referring to caravan trackers or vehicle trackers full stop? Stolen vehicle recovery statistics with tracking devices are actually excellent. There are some specific stories of tracking in caravans leading to good recovery results too, few examples here; https://www.elystandard.co.uk/news/stolen-caravan-recovered-thanks-to-tracker-technology-4917276 https://www.outandaboutlive.co.uk/caravans/news/stolen-caravan-worth-30000-recovered-within-24-hours-1 https://insurance-edge.net/2020/05/28/lockdown-caravan-thieves-thwarted-by-tracker/
  14. If you're wondering what the chances of being stopped are, I can tell you with certainty that the chances have greatly increased. Since 12th April a number of police forces and the DVSA have commenced enforcement operations on major routes all over the country specifically aimed at cars towing trailers. They know there has been a huge increase in caravan sales with very high numbers of first time, inexperienced, owners. One police force has named their ongoing enforcement plan as Operation Drag and they set up regular checkpoints. They look at licences, insurance, condition including tyre age
  15. Unfortunately my Volvo Plug in Hybrid is always with some fault or other, first and last Volvo i will buy. Agree re Insurance, i have seen that in policies too although quite how they would prove it is another matter. If uour caravan is in pieces spread across the road how can they weigh it?!
  16. Business as usual? Covid under control? Caravanning and Motorhome(ing) back to normal? Not quite, but we’re definitely getting there! Be ready for more parts shortages, slow deliveries, new caravanners and motorhome(rs) on the road but… we’re back out there. It’s a good summer coming! You’ll see below that things are still moving on here at CMT with a whole extra letter ‘M’ in the abbreviation. Lot’s of new members and since March 1st, 110% more visitors than last year and 60% more than in 2019 (570,450 to be precise). That all adds up to a lot of people asking questions and provid
  17. I need a replacement entrance door for our caravan following a break in. Don’t ask why insurance are not paying, too complicated and tired of fighting them. The door is fitted to a number of Swift vans so doesn’t have to be specifically from an Eccles 580. Any ideas on where i might source a good used one are welcome! I am trawling ebay on a daily basis....
  18. I have never been pulled & I guess the chance is quite small. You will often see over length German twin axles being towed by vehicles under 3.5 tonne gross. Crew cab trucks & large SUVs & they get away with it. I would conclude that if you are driving an outfit that is not legal your real fear should be of your insurance assessor in the event of an accident. You will get no payout for both caravan & towing vehicle.
  19. Had a similar conversation with the CMC insurance line. Ours is a twin axle with E&P levelling. The requirement was for both wheels to be fitted with approved wheel locks but no hitch lock. I asked why a single axle caravan of the same value had only 1 lock but a twin axle had to have 2, the answer was "perhaps it's less desirable with 2"! No discount for the E&P levelling even though the keypad's removable with PIN number access ??
  20. When we came to renew our caravan insurance through the C&CC last October 2020, if it was valued over £20k they wanted an AL-KO wheel lock OR a tracker Or storage on a CASSOA gold site. Other types of wheel locks or clamps did not count.
  21. I'm also embarking on the "annual dance" and also looked at Lifesure. On the surface it looked a good policy (downloaded documentation) and received a competitive online quote. The £10 caravan breakdown cover/recovery also looked good value (I have car breakdown/recovery through my insurer). On filling in the information required for a quote one of the questions was did I have a wheel lock? I use a Nemesis wheel lock and AL-KO hitch lock, so answered yes. On receiving the quote details one of the "small print" endorsements is that I must either have a tracker or AL-KO whee
  22. rob One Star Approved Member 30 posts Locationsouthport Motorhome:autotrail Posted November 20, 2019 · IP Hi first post on here ..I have just bought a autotrail imala 2018 it has aircon unit But does not seem to have any power to it cant seem to find any plugs fuses etc to trace wires it's a comfort model it has no lights on the unit ... Any help would be great ...rob bikerbri Three Star Moderator 423 posts LocationShropshire Motorhome:Lunar Roadstar 620 Posted November 20, 2019 · IP Hi Rob, not knowing th
  23. Wraith's lock onto a specially machined shouldered wheel bolt supplied with the unit with no chassis receiver present. It is a headed bar which locates in the pear shaped cap and once fitted into the cap slides within a slot to enable it to float within the slot to enable maximum positioning leeway as the bar is poked through one of the lower section wheel gaps between the spokes. Once fitted it relies on the bar hitting against the chassis if the wheel is rotated. I have AL-KO's and a Wraith fitted to our caravan as an insurance stipulation but for me the W
  24. Quick update. Our Dealer had a claim approved by Swift for repairs to the front gas locker and sidewall movement issue as per photos further up this post. Claim approved 9 days ago and our Dealer has requested that Swift need to transport (not tow) our caravan back to the dealer for the necessary repairs programmed to be done before end of June 2021 by the Dealer. I had an email from Swift after I followed it up yesterday stating someone will be contacting me to arrange 'uplift' of our caravan from West Sussex, back to the dealer in Swindon. At least a plan is in pla
  25. We had a static caravan that was flooded and it had to be replaced under the insurance it was that badly damaged. The water mark was about 6 inches high inside. After the flood the carpets were all removed by the insurer which showed the floor boards had all swelled, the door frames had all been damaged, the cupboards in all the rooms had suffered, etc. It was not economical to rebuild it and hence written off. The replacement was installed 2 feet higher off the ground so hopefully it will not happen again. I would have thought the site insurance should be paying for replacement of
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