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Found 8,018 results

  1. Our caravan was stolen and insurance company said we didn’t meet the security requirements so refused to pay . We now have a new caravan do I have to disclose the previous claim
  2. Two issues one maps can be dated it will be difficult to say you dont know when the exu says it was mapped after you bought it. Issue 2 is you have admitted lying to your insurance company on here whilst showing your picture a rough age, location and car history and caravan.
  3. I’m in the CMC and use their Devitt caravan insurance services. I damaged my caravan a couple of years ago and they were no problem at all with my at-fault claim (but I can’t say the same for the repairer!) and didn’t raise the premium much the following year.
  4. You can go on one of my postings regarding claims. I had my caravan stolen two years ago. Had all the security items that they asked to be fitted to the caravan. When the claim had been paid out, they dropped me like a red hot potato. Luckily, the insurance services I was with managed to get me another insurer, although a much higher premium. Just insured my caravan a couple of weeks ago, with another insurance company, and provided I had gold secure devices fitted, I was ok with them at a premium £500 cheaper. One really daft thing, was one of the gold secure items was the Milenco hitchlock (yellow), which was on the caravan that was stolen. The thieves had cut through it, straight as a die, so much for anti-theft device. I did report this to Milenco at the time. Anyway, I now have a Milenco Wraith wheel lock; a Full-Stop wheel lock; a Milenco steady lock and a Milenco hitch lock. May be OTT, but I do not want to go through all that I did. My blood pressure wouldn't stand it. Anyway, good luck
  5. Had a letter last week from Direct Line inviting me to apply for a refund if I hadn't done as many miles as I'd stipulated. Think I'd put down 12000.Had the car since October and done around 8500,so not too far out. Had a look at the other car that the wife uses and is our towcar and thats only done 2000 since its Mot at the end of November. She sorts the insurance out as I transferred it to her last year.Think she put down 15000 miles as we were planning to use the caravan more this year and she's ultra cautious over things like that. Might be worth investigating further. Anyone had any money back or hoping too?
  6. As we've just posted a new article on cutting the cost of caravan insurance premiums we thought we'd open things up for others to have their say. Good ideas can then be added to the article or another one put together.
  7. If you have a tired older engine and the remap is about lowering the peak torque rpm for economy and driveability, flattening the curve removing any holes, and maximum bhp is not higher than a standard (new) engine, then should you be concerned about the insurance? If you change the wheels of your car for a different size eg 17" to 19", but still OEM for your make and model, should you tell them? You fit a sat nav unit from the top of the range version of your car to your base model thereby improving the spec and making it non standard. Should you inform the insurance? You fit an aftermarket replacement exhaust because it is more affordable than being ripped off buying OEM. Is it now a non-standard modified car? Likewise you upgrade the brakes (rotor size) because the standard ones were not really up to the job towing your caravan. Should it be declared? You buy a second hand car in all good faith from a major dealership chain. It's been remapped by a previous owner but he kept it secret and new buyers are not aware. Does this invalidate the insurance of every future owner of the vehicle including yourself? Just asking..
  8. The fact that you are asking these questions shows that you want to understand what you are doing - thats good! 85% and 100% are not rules, they are recommendations! No one seems to know where the figures have come from but they are a "useful guide". Its also apparent that lots of UK car insurance companies dont cover you for towing if the caravan MTPLM is greater that the "kerb weight" of the car. (We live in Spain and our car insurance doesnt have such weight restrictions). "Kerb weight" is an old fashioned term and I believe that the unladen weight as shown on the V5 registration document is the important figure - however "kerb weight" is used by insurance companies! If I were you and because you could be towing at around 100%, I'd look carefully at the unladen weight/kerb weight and see if it includes the driver and a full tank of fuel. As has been suggested, take your car over a weighbridge, if you are not in the car dont forget to add your own weight. (I'm conscious of the 100% recommendation as we tow at just over 100%!)
  9. Following on from all the great advice I would offer one more thing. If you start off with the figures for car at it's lightest (the kerb weight or Mass in Service, or as determined by a weigh bridge), and you also start out with the heaviest the caravan can be, that being the MTPLM, and add in to the mix a car is heavier than the caravan, you are at the right end of the calculation. In reality the car can only get heavier as you add passengers and luggage etc, and the caravan will never be heavier but could be lighter, you will not see "the tail wagging the dog". Yes the 85 - 100% is only a guide, there has to also be a measure of common sense added in, that is the factor that breaks down the manufacturers weights. Yes it may be safe to tow a flat bed trailer loaded with paving slabs weighing 2100 kg, it has a low centre of gravity and is affected little by wind nor passing vehicles and unlikely to be dragged up the M1 at 60 mph. Then take a caravan weighing the same, that is just a box on wheels and something that gets affected by crosswinds, passing vehicles and ruts in the road, you are into a completely different scenario. Outside of all this you need to check your car insurance policy, as some insurers are stating that for towing purposes the trailer must not be heavier than the kerb weight of the car.
  10. It's that time of year again when the caravan insurance is due for renewal. Clubcare sent in their renewal price which is a fair bit higher than previous years. Since outside work was rained off today, I decided to phone them to enquire about renewal. Not possible to contact them on number given, only one of these blasted automated systems. Late afternoon saw me find another number which was eventually answered. Increase is due to something I have never noticed previously, they call it a "Policy Fee". When questioned in depth about this fee they informed me it was to cover administration ??? Don't most businesses include their admin costs in the prices they charge? In my 20+ years of business I would not have got away with adding my admin costs to an invoice. When I refused to pay this, they instantly halved the admin charge. Incidentally, daughters car insurance due for renewal and she had this same charge applied. After chewing the fat with someone senior in the company, they have quashed their policy fee completely.
  11. Just had renewal. In. Gone up £100. From last year. Not used the caravan. Think the charging extra for. coronavirus furlough So beware.
  12. Well, Towergate advised last year I had filled in the insurance quotation details for the caravan as "limited use" instead of "seasonal". So easy to do with online forms and they all differ in their questions. So, Towergate advised that my true renewal cost was £200.09. I advised that I had received quotes cheaper including EU cover, however these quotes were from insurance companies I had never heard of. The representative then went away and discounted the cost to £173, so in the end I went with them as would rather insure with a well-known insurance company. I looked up some of these obscurer companies on Defacqto and they had 2 stars (rating of features and benefits) and not appearing at all on Trust Pilot so could not get any impression of customer service. Insurance renewal time is so sapping of the will to live .... and has to be done for car insurance, home insurance, etc etc
  13. For anyone who missed it (it's only sent to members). As promised we are focussing this newsletter on Caravan and Motorhome Insurance. It's not got off to a great start. I just wrote almost the entire newsletter without saving and... you guessed it. It's probably not a bad thing because I think that I can summarise the whole start to the newsletter with the following: Our most common discussion topic when it comes to insurance is cost The most common problem is policy inclusions and exclusions when claiming The cheapest policies we ever came across were so often complained about, because of exclusions, that the members of this and many other forums were up in arms. We got sent so many solicitors letters by the company in question, demanding content be deleted, that we had to add their brand name to our bad word filter to get it automatically removed. But how do you work out what inclusions and exclusions you should be concerned about and which are just 'nice to have' when all you have is your experience and imagination. Fortunately, we have the combined and actual experiences of thousands of members going back to 2005 to help you make a decision. Our members are always willing to share experiences, good and bad if you ask. The CaravanTalk Insurance section is well worth keeping an eye on and not just once a year at renewal time. Insurance Questions Answered As promised we've sent some questions asked by members over to Caravan Guard and you'll find their answers at the bottom of this email. ---------------------------------- We have another article about buying a caravan, this time from our member BOAC and I think you'll be impressed with the level of detail and effort that he's put into it: Buying a Caravan? What you need to know in our articles section and the same article in the forum where you can leave comments. ---------------------------------- New Trade Members helping to keep CaravanTalk free! Keeping your caravan or motorhome safe is not just about insurance and we'd like to welcome the support of our new trade members: Purple Line - Beat crime with the Fullstop Security Range Tracker - Stolen vehicle recovery and telematics Phantom - Tracking for caravan, motorhome and car Calling all Dealers and Storage Sites We're busy trying to make sure that our dealer directory is up to date. Take a look here and get back to us with any updates. Please help keep CaravanTalk free and independent by taking a look at what our commercial partners can offer: ---------------------------------- Caravan Insurance Questions and Answers by Caravan Guard What inclusions and exclusions to a caravan policy are the most important? We’d always advise making sure your policy covers awnings damaged by storms. This is a common claim and can be an exclusion on some policies but is included with Caravan Guard. Usually, a caravan policy will have security requirements such as wheel clamp and hitch lock as a minimum, and maybe extra security requirements if the caravan is of higher value. If the required security is not fitted, theft cover will not be in force. A policy will usually advise the caravan’s water system has to be completely drained down over winter otherwise claims for cracked pipes and escape of water will not be covered in that period. Caravan Guard’s policy does allow owners to include or exclude certain cover elements such as European cover or emergency accommodation cover so owners can tailor their policy to meet their needs. What is claimed for the most with caravan insurance? The three biggest types of claims are: Accidental damage claims mostly involving no third parties – so mishaps such as reversing into walls or trees, taking corners too tightly and scraping a wall. Theft of caravans and their equipment Storm damage to the caravan and awning. Other fairly common claims include fire damage, snaking, tyre blow outs and detachments Will trackers reduce my insurance premium? Yes we offer a 15% discount for tracking devices which use GPS or VHF technology to locate a stolen caravan – you can see a list of approved devices we’re aware of on our website at https://www.caravanguard.co.uk/touring-caravan-insurance/tracking-devices.php. If a unit is Thatcham Category S7 or S5 (or was previously Category 6 or 7) approved we’ll generally accept it but there are one or two others we accept without Thatcham approval. Note we insist a device has to be professionally monitored which gives the best chance of recovery following theft. We don’t accept self-monitored devices. A tracking device is by no means a guarantee of a recovery after theft, but we do get the majority back. Our recommendation would always be to pick a proactive model. No-one can keep an eye on their caravan 24 hours a day. A proactive device will send an alert if your ‘van is moved or broken into. It means it can soon be established whether it’s a genuine theft taking place or a false alert. The quicker police can be notified of a genuine theft obviously the likelihood of recovery without significant damage is much higher. How does age impact your premium and why? With Caravan Guard we offer a 10% discount for over 30’s to reflect maturity of the driver. This discount reduces to 5% for those over 70. Of course we do analyse claims by age of driver and it doesn’t seem to have a huge impact in the same way it does on motor insurance. We have no upper limit for age of owner on our caravan policy. Is there a good make/model/age of caravan to buy to reduce insurance? Of course there are models that come fully loaded with security and safety features. Usually the top of the range models will come with tracking device (15% discount), Al-Ko Secure axle wheel lock (10% discount), alarms (5% discount), ATC electronic stability (5% discount) and even reversing cameras (5% discount). Most new models will have some sort of device that can earn you a discount. Many models have just the receiver for the AL-KO Secure lock, meaning if owners then purchase the optional lock they can get a healthy insurance discount and have the peace of mind on what we believe is the most secure wheel lock available. Brought to you by AlphaQuad (digital marketing agency for caravans and caravanning)
  14. I recently had my caravan broken into and damaged. I started the process but in the end didn't claim. They called this "for information only" so under the claims section of my renewal it states the date but claim amount £0. The same insurance company dropped my premium this year. Honesty is the best policy when it comes to insurance companies imo.
  15. My car insurance with Aviva has logged a claim I made for damage on my separate caravan insurance, so the insurance companies seem to note and take into consideration any claim for anything.
  16. At Caravan Guard we are currently offering a One Month Free discount on new touring caravan policies. Click here for more details and to get a quote. We are rated Excellent on Trustpilot by our customers - Click here to read the reviews
  17. We listen to Radio 6 Music on DAB while towing. I can only comment on the Sargent system as fitted to our caravan. I stopped short of the front locker box because of the gas bottles stored there in the Swift. However low the risk I thought it best to comply with regulations to avoid any potential issues with inspections, insurance, etc.
  18. I am pretty sure that my caravan insurance actually stipulates a maximum period it can be left unattended without the security measures (hitch and wheel lock) in place. I am pretty sure that period is 24 hours but I cannot check as I am not at home at present. I have never fitted my wheel lock when stopping en route but I always fit my hitch lock when towing. I know others disagree with that course of action, and it’s merits have been argued at great length in the past, so let’s not revisit it again please. .
  19. Agree and it is a bone of contention with many folk doing conversions, you also now have to fit an awning rail on one side as well ! But no stipulation to have a bottled gas on board decal ! The existence of these is only verified by the photos you have to submit for registration, there are no process or rules that say they have to be checked, or who by in the future, so they could 'fall off' at some time. The DVLA reason for these changes, which have changed several times themselves over the last few years, is that it can be recognised as a motor caravan by the emergency services among other things, how that makes any difference is beyond most folk 🤷‍♂️ The same could be said of day vans and conversions not re-registered that they should have the logos, awning rail etc. due to many day vans etc .being kitted out exactly the same. No one at the DVLA can state exactly what constitutes ' caravan graphics ' ref style, size and positioning. One particular new rule is that to be a motor caravan it has to have a high roof, limiting the choice of van and that pop up roofs are not allowed, which is affecting conversion businesses, you can still convert a van using a pop up but it can only be classed as panel van with windows, negating the cheaper insurance and speed benefits of a MH.
  20. It pays to work out what security measures you are happy to use and then try to find a policy that will accept them. I have found several insurance policies that will not cover theft of the van if it is left unattended for any period without a wheel lock or clamp. We like to stop for meal breaks when travelling and I do not want to mess about with a wheel clamp in a motorway lorry park. By shopping around, I now have a policy which only requires security devices if the caravan is unattended for over an hour and, even then, I only need a hitch lock OR a wheel clamp. The policy is with MyInsurance.
  21. True cost per night depends on many things (in normal times). I bought a first NEW caravan in 2005 having given my precious caravan away. I traded it in in 2012 for another new 'van and lost an average of £1,000 a year on trade in compared to purchase. Next new 'van in 20017/18 lost £1,250 a year. Annual service and insurance about £520. Stored at home. For me my annual cost before I turn a wheel is around £1,800 - but this includes the element of depreciation which you may or may not wish to include. Although the money loss due to depreciation is unimportant I am usually out for 120 nights a year and so it adds 15 a night to my site fees. (would be less with a second hand van). Average site fees are probably up to £28 a night on average lately and so, for me, in total £43 but I add on some for fuel costs as we tour and typically do a towing journey of 90 miles average every 5 days. (for my own interest I write off the cost of the tow car over 15 years including service and insurance since it is little used and not otherwise needed as we have a perfectly good 20 year old Yaris. So I reckon on £55 a night for me). How worthwhile you consider it depends on how much holiday and what you compare against. When we bought a first brand new caravan I reckoned that a minimum of 56 nights a way made it financially sound compared to hotel etc.
  22. Approximately £2000 a year should cover the annual caravan costs (storage, service, insurance) and about 6 weeks away. On top of this there will be the cost to buy the caravan and depending on your existing car, you might need to change it for something heavier.
  23. Right, first-things-first, I'm not trying to discourage you - the OP - from caravanning! Now read-on... To use Cls (Caravan and Motorhome Club) or CSs (Camping &Caravanning Club) you will need to be a member of the clubs and it's about £50 per annum each to join. So, you need to work out how much use you are going to make of them to amortise that cost. There are other reasons to be club members (either or both) e.g. insurance, ferries, club sites, CL/CS use, offers/discounts etc etc. The two clubs also get you access to rallying (via centres and DAs*) and (C&CC) Temporary Holiday Sites (THS) both of these (and they will return!) provide good value, sociable caravanning (in this country and abroad) which myself and my wife have enjoyed for many years. The discussion below is a recent one dealing with costs/value etc of caravan ownership and use. Have a read and a think about non-site costs as well as site costs before committing. ...again, I don't believe anyone on the above thread was trying to discourage only advise. * Yes, I know there's ACCEO but let's start at the beginning... ...it's a very good place to start!
  24. Just about every insurance I have taken out (house, car, caravan, motorbike, cycle etc) There has always been a question along the lines of “Have you made any claims in the last XX years” Note the wording any claims not a claim relating to what you wish to insure with them. (A subtle but vital difference) Failure to notify the insurer of what they deem to be “A material fact which may affect the premium” can render any insurance null and void. A previous claim for theft will, without a shadow of a doubt, be deemed by them, to be “a material fact” neglect to tell them at your peril!
  25. Hello , has any of you experience of getting a decent quote for a £30k plus caravan? Just got CCC renewal quote for £670. Granted, I have a twin axle Adria Alpina, which cannot be fitted with Al Ko wheel lock, as the Al Ko brake drum size prevents fitment, so do not have receivers, that ups the cost, no doubt. Adding a tracker will cost as much as any reduction in premium, so likely no advantage there. I realise an expensive van is always going to be equally expensive to insure, so will probably have to just go with the flow and take it on the chin. Got a few online quotes, with Towergate the best at £100 less, most other insurers decline to quote on a van costing over £30k but, annoyingly, only tell you that having just spent an age inputting all the details. Any pointers gratefully received.
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