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7 minutes ago, Durbanite said:

The discretionary cover we provide is not a contract of insurance, and The Caravan Club Limited is not regulated as an insurance company.

It seems a very strange move on the part of the  caravan club. They must be popular as an 'insurance' company but I doubt that they are as popular as a 'non-insurance company'. I might check out C&CC as well

Alan

 

2005 Nissan X-trail 4WD diesel and Swift Charisma 540 2012 Lunar Clubman ES  2018 Lunar Clubman ES

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Welcome. Agree with Moorgate.  Shop around, ask around. Cheapest isn't always best - good claims handling is important otherwise there's no point. £400 is "in the ballpark" - I paid nea

We have just got our first caravan.  There was a sign and link on the storage yard's website for a company called Shield.  They were the cheapest I could find.

If you read carefully that makes no difference as they are not directly insuring you! They are insuring the caravan club so that should CMC become insolvent it can still honour any discretionary award

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I did an Online quote with the C&C and they ask some rather strange questions regarding valuation.  Also their quote is a lot higher than last year's premium by over £150 and about £70 more than the CMC.  our current renewal if we sued the same company as last year has increased by approximately £200 so a massive jump!  Considering that we have had no claims, use gold storage and have a proactive tracker etc etc we find the C&CC prices too high.

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Wonder if Caravan Insurance prices are increasingly substantially across the board.

 

Hence the decision by CMC to take it in house. They did claim it would keep costs down but of course a few bad claims could presumably affect the club's finances.

 

So the change may well have been carried out in good faith albeit maybe not well thought through.

 

My dilemma is that I've had appalling experiences with both Safeguard and Caravanguard whereas all dealings with the club have been positive.

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9 minutes ago, PandR said:

Wonder if Caravan Insurance prices are increasingly substantially across the board.

 

Hence the decision by CMC to take it in house. They did claim it would keep costs down but of course a few bad claims could presumably affect the club's finances.

 

So the change may well have been carried out in good faith albeit maybe not well thought through.

 

My dilemma is that I've had appalling experiences with both Safeguard and Caravanguard whereas all dealings with the club have been positive.

Many years ago we had a claim with the club and no issues with our claim however if you claim now it may be a different story?  We are not prepared to take the chance.

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4 minutes ago, PandR said:

Hence the decision by CMC to take it in house. They did claim it would keep costs down but of course a few bad claims could presumably affect the club's finances.

 

Sounds a bit altruistic don't you think? I think it more likely that they want to cut out the middlemen  used as I  accept the risk themselves and the increased profit compared to just being a broker for a single firm. 

 

7 minutes ago, PandR said:

My dilemma is that I've had appalling experiences with both Safeguard and Caravanguard whereas all dealings with the club have been positive.

You have not had dealings with the club per se your dealings were essentially with Devitts  

2 minutes ago, Durbanite said:

Many years ago we had a claim with the club and no issues with our claim however if you claim now it may be a different story?  We are not prepared to take the chance.

15 years ago I had a claim and all correspondence came from Devitts 

Alan

 

2005 Nissan X-trail 4WD diesel and Swift Charisma 540 2012 Lunar Clubman ES  2018 Lunar Clubman ES

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13 minutes ago, AndyK159 said:

This taken from the Caravan Cover policy booklet:

 

 

Screenshot_20191102-110830_Xodo Docs.jpg

Oh interesting. Looks like they've backed off some of the risk.

18 minutes ago, Easy T said:

Sounds a bit altruistic don't you think? I think it more likely that they want to cut out the middlemen  used as I  accept the risk themselves and the increased profit compared to just being a broker for a single firm. 

 

You have not had dealings with the club per se your dealings were essentially with Devitts  

15 years ago I had a claim and all correspondence came from Devitts 

It is a club for the benefit of its members and my price came down with the change!!

 

I meant wider dealings with the club were spot on

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35 minutes ago, AndyK159 said:

This taken from the Caravan Cover policy booklet:

 

 

Screenshot_20191102-110830_Xodo Docs.jpg

And it says 'you may be able to take a complaint to the financial ombudsman' not something I want to test when I have agreed that payout is solely at the providers discretion - would you?

 

The FCA is there to consider that a contract is fair, the provider sticks to that contract and it's terms and conditions as written. The cc 'cover' clearly states: 'We offer cover on a discretionary basis which means that your Executive Committee has sole and absolute discretion on deciding claims and may accept or reject claims in its discretion. It also means that the Executive Committee may, in its discretion, agree a claim which falls outside the terms of the Caravan Cover, or which may even be expressly excluded, if the circumstances warrant it. The discretionary cover we provide is not a contract of insurance, and The Caravan Club Limited is not regulated as an insurance company.' 

If they decline to pay out then I can approach the FCA who will decide on each individual case based on the contract that I have agreed to! And the contract states that payments are at the sole discretion of the CMC.

 

I would not wish to risk money on a court judgement in the event of a dispute as the result could well be that the CMC are able to use their discretion to reject my claim. Court costs would be more than my caravan''s value.

 

With an insurance company I can complain to the ombudsman who, if they believe I have a valid claim, will direct that payment is made and without any expense to me.

 

 

 

Alan

 

2005 Nissan X-trail 4WD diesel and Swift Charisma 540 2012 Lunar Clubman ES  2018 Lunar Clubman ES

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We have now cancelled our Caravan Club cover and taken out a policy with Towergate who have reduced their renewal premium by a good margin so a happy bunny!  :D

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Were they much dearer Durbanite? 

 

 

Alan

 

2005 Nissan X-trail 4WD diesel and Swift Charisma 540 2012 Lunar Clubman ES  2018 Lunar Clubman ES

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3 minutes ago, Easy T said:

Were they much dearer Durbanite?

About £45 but IMHO well worth it for peace of mind.  Many years ago we did have a claim with Towergate and like the "old" Caravan Club format using Dewitts we had no issues with the claim.  Towergate have a track history, but the CMC Caravan Cover as far as we are aware does not have a track record yet.

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I wonder how The cc will deal with third party claims? Presumably these are also discretionary. As far as I can see the cc does have a policy to cover payouts should the club become insolvent. 

Alan

 

2005 Nissan X-trail 4WD diesel and Swift Charisma 540 2012 Lunar Clubman ES  2018 Lunar Clubman ES

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Don't panic Mr mannering, I've just renewed my insurance with CMC  not concerned with the change as underwritten by builders direct, always had good response in the past 

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27 minutes ago, mjohns4 said:

Don't panic Mr mannering, I've just renewed my insurance with CMC  not concerned with the change as underwritten by builders direct, always had good response in the past 

If you read carefully that makes no difference as they are not directly insuring you! They are insuring the caravan club so that should CMC become insolvent it can still honour any discretionary awarded by CMC only in such an event of insolvency and not in the normal course of business.

 

If I have a caravan insured at its current value and I am awarded what I consider an unrealistic payment I can go to the financial ombudsman with an Insurance Policy. With CMC 'cover' I cannot. By choosing to use the CMC I would save around £32 by there being no insurance tax but if I disagree with them my only resolution would be through the courts. The ombudsman is a free service - the courts are far from free. 

 

As for good responses in the past that had nothing to do with CMC directly as they went to Devitts a well respected firm who handled the claim directly

Edited by Easy T
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Alan

 

2005 Nissan X-trail 4WD diesel and Swift Charisma 540 2012 Lunar Clubman ES  2018 Lunar Clubman ES

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From a CMC statement The Builders policy was indeed taken out by The Club, and therefore is in The Club’s name. However, the policy protects YOU as Members of the Discretionary Mutual, not the Club. If any unlikely reason Builders can’t meet their obligations the Financial Services Compensation Scheme covers them.  

Alan

 

2005 Nissan X-trail 4WD diesel and Swift Charisma 540 2012 Lunar Clubman ES  2018 Lunar Clubman ES

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My only question would be does the paperwork issued by the CMC for this “cover” actually contain anything called an “Insurance Certificate”?   

 

It all looks a bit “iffy” to me and I would certainly want something, in writing, from CMC to say that I was actually insured  in the generally accepted meaning.

 

Do they provide a policy schedule, that goes into considerable details, as to what is, and is not covered, and under what circumstances they would not cover a loss (not complying with security measures etc) like you always get from a “proper” insurer? 

 

I’m with Caravanguard and they do provide “proper” insurance.

 

Andy

Experience is an awful teacher who ends up sending you simply horrifying bills

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No Andy, in fact quite the opposite. Caravan Club Ltd state quite clearly that "this is not an insurance policy"

 

To my mind, the fact that they have laid off the risk to someone else is neither here nor there, it is still only a discretionary cover policy.

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7 hours ago, Mr Plodd said:

My only question would be does the paperwork issued by the CMC for this “cover” actually contain anything called an “Insurance Certificate”?   

 

It all looks a bit “iffy” to me and I would certainly want something, in writing, from CMC to say that I was actually insured  in the generally accepted meaning.

 

Do they provide a policy schedule, that goes into considerable details, as to what is, and is not covered, and under what circumstances they would not cover a loss (not complying with security measures etc) like you always get from a “proper” insurer? 

 

I’m with Caravanguard and they do provide “proper” insurance.

 

Andy

My CAR insurance includes such a document - Insurance Certificate.

 

I don't have one for my house insurance, caravan insurance nor any medical insurance etc etc

 

Whilst it appears perhaps concerning that CMC provides cover not insurance, it may actually be a superior experience. Having all the boxes ticked doesn't always result in an ideal outcome.

 

 

 

 

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15 hours ago, Minion 63 said:

No Andy, in fact quite the opposite. Caravan Club Ltd state quite clearly that "this is not an insurance policy"

 

To my mind, the fact that they have laid off the risk to someone else is neither here nor there, it is still only a discretionary cover policy.

 

I don't see that laying off the risk is any different to normal insurance companies who spread their potential liabilities across a number of underwriters - I'd want to understand exactly why the the Caravan Club Limited is fronting insurance in this way.

 

I insured with Caravan Club for 34 years but, like club site fees, the insurance became too expensive so I'm now insured with Adrian Flux.

2015 VW Touareg 3. 0 V6 TDI + 2013 Lunar Clubman ES

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wow this has gone off topic but Adrian Flux I know from my classic car background. Are they competitive?

 

I want good cover at a decent price, but I guess everyone want that.

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3 minutes ago, Grumpy2 said:

wow this has gone off topic but Adrian Flux I know from my classic car background. Are they competitive?

 

I want good cover at a decent price, but I guess everyone want that.

 

They were the cheapest I could find, with no policy restictions that affected me.

 

I got the impression that Adrian Flux are trying hard to widen their customer base - they gave me a silly high price to insure my car which is insured on a classic car policy elsewhere, despite not being a classic!

2015 VW Touareg 3. 0 V6 TDI + 2013 Lunar Clubman ES

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18 hours ago, Mr Plodd said:

My only question would be does the paperwork issued by the CMC for this “cover” actually contain anything called an “Insurance Certificate”?   

It all looks a bit “iffy” to me and I would certainly want something, in writing, from CMC to say that I was actually insured  in the generally accepted meaning.

Do they provide a policy schedule, that goes into considerable details, as to what is, and is not covered, and under what circumstances they would not cover a loss (not complying with security measures etc) like you always get from a “proper” insurer? 

I’m with Caravanguard and they do provide “proper” insurance.

 

Andy

Due to this thread we realised that we were not insured and that the cover was not regulated so we have cancelled.

From a previous finance arrangement with Black Horse in the terms it states that the caravan needs to be insured so caravan Cover may not fulfil the terms? 

BTW our CASSOA Storage also requires us to have the caravan insured!

Edited by Durbanite
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On 31/10/2019 at 21:47, Grumpy2 said:

First post so please be kind.

 

Returning to caravanning after a 20 year break and just ordered a 2019 Swift Challenger 645.

 

Take delivery in just over two weeks and the on-costs are getting bigger and bigger.

 

Insurance has been quoted at approx £400. Is that about right? Thats with the caravan stored and approved wheel clamp fitted.

 

Pointers in the right direction welcomed.

 

thanks

 

Gary

 

 

 

Caravans now nearly reaching 40k for likes of Swift and Buccaneers models and insurance reaching high prices is it time we need to look at changing to the European system of registering and number plating and insuring it separate where theft is reduced ? If we see this reduced the number stolen then we will see the insurance costs fall .

 

I pay 330 on a 60k motorhome with Europe cover and breakdown and no tracker only alarm .

 

Dave

Jeep Commander 3. 0 V6 CRD

Isuzu D- Max Utah Auto

Elddis Crusader Storm 2000 Kgs, Unipart Royal Atlas Mover .

 

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