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Lettielou

Specialist Insurance?

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Posted (edited)

After the total loss of my car and caravan last year, I at last received sufficient compensation to replace the caravan, and did so yesterday. However, I am losing my sight and cannot now drive, but still want to spend up to  6 months a year on a seasonal pitch at my favourite site. I am having the caravan towed, free of charge from the showroom to the seasonal pitch on the site as part of the deal. So far, so good.

 

Then at the season's end in November the caravan will be towed to a nearby storage facility by one of their staff for the winter, and he will tow it back to a seasonal pitch on the same site next spring. And so on, as long as I am able to enjoy it.

 

Today I tried to insure the caravan via a price comparison site, but was told that caravans are usually towed by their  owners and to ring back tomorrow as I would need a specialist insurer! I have had a caravan towed professionally before, and didn't think this was particularly worthy of note. Meanwhile the new to me caravan is uninsured and on the dealer's premises, so I really need to sort it ASAP.

 

Can anyone with a similar set-up please advise? Many thanks

Edited by Lettielou
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You could try Park Homes insurance.  Have you tried the Caravan and Motorhome club?

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Unless things have changed then normal Caravan Club insurance will cover it. We had out tourer on a seasonal pitch for several years and explained that fully, cc insurance was always happy to cover it. 

 

In terms of using a price comparison tool I don't know how cc would compare, never even thought about it, just used cc insurance. 

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Thank you Durbanite and jetA1. The problem with the young man I spoke to was that he thought insurance companies would not insure a caravan that would be towed by somebody other than an owner-driver without being given full details of the driving history of that individual. It sounds reasonable in one way, but I don't fancy cross-questioning a man I employ to tow my caravan, who tows caravans for a living! 

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No caravan insurer has asked anything about my driving history - I don't think they see it as relevant.

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16 minutes ago, Black Grouse said:

No caravan insurer has asked anything about my driving history - I don't think they see it as relevant.

 

Nor I....they only want to know that the caravan isn't being used for Hire or Reward,not who is towing it.......don't tell them something that  complicates the deal.

geoff 

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12 hours ago, Lettielou said:

Thank you Durbanite and jetA1. The problem with the young man I spoke to was that he thought insurance companies would not insure a caravan that would be towed by somebody other than an owner-driver without being given full details of the driving history of that individual. It sounds reasonable in one way, but I don't fancy cross-questioning a man I employ to tow my caravan, who tows caravans for a living! 

I would think it is irrelevant to the insurer who is towing the caravan as long as they are legally able to tow a roadworthy caravan.  I have never been asked who is towing my caravan.

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Posted (edited)

My elderly cousin has a Coachman touring caravan. She does not tow at all (Nissan Micra). The dealer delivered it at no cost and when a bit of warranty work was needed they fixed it on site. A local AWS technician services it.  It is stored undercover on a commercial site in Devon. When she books her weeks away in it, it includes the site pulling it out of storage on to the pitch and the reverse when she leaves. They use a farm tractor and are very careful.

Whilst the site are moving it around their liability insurance covers it. Her Caravanguard insurance does the rest.

If yours is towed on roads then the professional person towing it should have appropriate cover and it's doubtful that any reputable company you insure with will even raise an eyebrow.

Edited by Legal Eagle
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