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Do you need to have a caravan service to get insurance?


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Hi,

I have googled but failed to find an answer to this.

 

We bought our new (to us) caravan 2 years ago and it obviously had a service as part of the pre-sale works. We insured the caravan with Towergate who specified that for the insurance to be valid the caravan had to be serviced every 2 years. 

We have now come to renew our insurance and herein lies the problem - My husband and his brother have serviced our caravan - H is a mechanic and his brother a gas engineer.  

So the caravan is serviced but we do not have the piece of paper to prove it.

 

Do all caravan insurance companies insist on a service and require proof? I am loathe to pay £200 for a service that we really don't need. 

 

Many thanks if you are able to shed to any light on this for me. 

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Some do, some don't - you'll need to shop around.

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

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New for old insurance some can require the caravan serviced ever year so try different insurance .

 

They have different requirements .

 

Dave

Edited by CommanderDave

Jeep Commander 3. 0 V6 CRD

Isuzu D- Max Utah Auto

Elddis Crusader Storm 2000 Kgs, Unipart Royal Atlas Mover .

 

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Why not simply create a document on the computer that itemises everything he has done for the service and keep the receipts eg for alko one shot nuts etc to prove it has been done?ie create your own service record. along with receipts?

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You need to read the policy. For replacement as new one policy says it must be serviced by a competent person, although what that constitutes is open to question, but a qualified mechanic and a gas engineer should be able to fit this description in my opinion.

Basically you need to check the policy and see what it says as they do vary. I would not change insurers unless the wording excludes the people you use. The wording you quote is wide enough to include the two you mention. as it does not specify who should do it.

All policies require you to take reasonable care, so a complete failure to have it serviced could be a breach of that and result in a claim being turned down if that caused a loss even if there is no specific service requirement stated. You cannot simply leave the caravan for years and assume you are covered.

If it is done privately there should still be some evidence of parts being used, even if it is only a set of one shot bolts.

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1 hour ago, Jezzerb said:

Why not simply create a document on the computer that itemises everything he has done for the service and keep the receipts eg for alko one shot nuts etc to prove it has been done?ie create your own service record. along with receipts?

Just had mine serviced at dealers and no list of what was done just says "Caravan Service" and book stamped and dated.

Maybe get your guys to date and sign your service record book.

Regards, David
Ford Kuga ST line 2ltr. Diesel 2017,  Bailey Pursuit 11 400/2 2018, Emove em303 motor mover, Hyundai 1000i Generator.

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We are insured through the camping club and the policy says to be serviced annually but does not specify who does it. It is a new for old policy but I do not know if this makes a difference. I would ask your insurer about servicing but I would not expect a DIY service to be excluded. Same applies to cars, I service ours once out of warranty but the MOT each year is a good check it is roadworthy.

 

At our caravan services the dealer gives a check list of everything done but having a check list does not actually mean it has been done, just the box ticked. I always keep the service receipts/damp reports and have never bothered getting the caravan hand book stamped, saves it getting oily finger prints on it.

 

If you search on caravan service check list lots of things come back, as an example https://www.gocaravanning.com/caravans/maintenance/caravan_service.htm You could get one of these filled in as your evidence of the service.

Edited by Paul1957
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2 hours ago, Jezzerb said:

Why not simply create a document on the computer that itemises everything he has done for the service and keep the receipts eg for alko one shot nuts etc to prove it has been done?ie create your own service record. along with receipts?

 

 

This could result in a invalidated insurance if the terms of the policy at not conformed to by making up paperwork ?

 

I would check other insurance companies that don't require a service as part of their terms .

 

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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3 hours ago, Annie987 said:

Hi,

I have googled but failed to find an answer to this.

 

We bought our new (to us) caravan 2 years ago and it obviously had a service as part of the pre-sale works. We insured the caravan with Towergate who specified that for the insurance to be valid the caravan had to be serviced every 2 years. 

We have now come to renew our insurance and herein lies the problem - My husband and his brother have serviced our caravan - H is a mechanic and his brother a gas engineer.  

So the caravan is serviced but we do not have the piece of paper to prove it.

 

Do all caravan insurance companies insist on a service and require proof? I am loathe to pay £200 for a service that we really don't need. 

 

Many thanks if you are able to shed to any light on this for me. 

We are with Towergate and cannot find any such clause in their documentation.  They only state;  You must maintain the Caravan, Contents, Awning and Equipment insured in sound condition and good repair.   Can you please point us to this clause?  Thanks.

Has any motor vehicle insurer stated that you need to have your vehicle serviced at least every two years?  Somehow I doubt it.

19 minutes ago, CommanderDave said:

This could result in a invalidated insurance if the terms of the policy at not conformed to by making up paperwork ?

I would check other insurance companies that don't require a service as part of their terms .

Dave

I doubt very much if any insurance company can request that you present proof of servicing under current legislation as servicing will not prevent speeding, overloading etc.

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I suppose it depends on what your claim relates to-if you had no service and the van handbrake failed-you might lose your claim but if it was stolen I don't see how they could refuse-mind they do! I had an acquaintance many years ago ( was always a bit dodgy, lots of work at weekends and am assuming cahs in hand-he had all sorts of little things going on but he was a very clever chap) who was a very handy mechanic =but it was only a hobby . He had a stamp made up with a company name he liked and suited him and stamped the service book with that and kept the receipts. He didn't seem to lose any money (so he said) when it came to selling his car, and he once told me a private sale went better since he handed over a wallet of receipts etc of work done!

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22 hours ago, David 38 said:

Just had mine serviced at dealers and no list of what was done just says "Caravan Service" and book stamped and dated.

Maybe get your guys to date and sign your service record book.

 

Is your dealer NCC approved as if so you should have been given the check list to show what was done although provided you have the invoice I cannot see it being a problem with your insurer.

In relation to Jezzerb's post under the standards set down by the Ombudsman the insurer has to be fair to the policyholder. In essence they can only turn a claim down if a policy breach  is relevant to the claim, so his examples are correct.

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3 minutes ago, Wildwood said:

 

Is your dealer NCC approved as if so you should have been given the check list to show what was done although provided you have the invoice I cannot see it being a problem with your insurer.

 

Not on this list.

http://www.approveddealerships.co.uk/tourer/find_code_subscriber.aspx

But as most of us he is the supplying main dealer we have to go to.

Regards, David
Ford Kuga ST line 2ltr. Diesel 2017,  Bailey Pursuit 11 400/2 2018, Emove em303 motor mover, Hyundai 1000i Generator.

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You do not have to use a main dealer, just an NCC approved workshop, details of which are on a different page of the NCC website. Swift do however guarantee the work done by their dealers but not other workshops.

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On 27/01/2020 at 10:10, Annie987 said:

Hi,

I have googled but failed to find an answer to this.

 

We bought our new (to us) caravan 2 years ago and it obviously had a service as part of the pre-sale works. We insured the caravan with Towergate who specified that for the insurance to be valid the caravan had to be serviced every 2 years. 

We have now come to renew our insurance and herein lies the problem - My husband and his brother have serviced our caravan - H is a mechanic and his brother a gas engineer.  

So the caravan is serviced but we do not have the piece of paper to prove it.

 

Do all caravan insurance companies insist on a service and require proof? I am loathe to pay £200 for a service that we really don't need. 

 

Many thanks if you are able to shed to any light on this for me. 

Nothing to stop you writing out your own report, I typed out a report sheet for gas work, stating a Gas Safe registration is not required for non charge work.  You brother in law would have to hold the certification for LPG work with the caravan addition in order to satisfy the competence requirement.

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  • 2 weeks later...

Online CCC application does not specify who serviced it only a drop down box asking has it been serviced?

I queried this saying it was self serviced so they ticked the serviced box

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I suppose the further argument is if any structural issues arise due to a water ingress, insurance do not cover water ingress and would see this as a lack of maintenance, extreme perhaps but possibly what they are looking at.

 

 

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1 hour ago, Caravantech said:

I suppose the further argument is if any structural issues arise due to a water ingress, insurance do not cover water ingress and would see this as a lack of maintenance, extreme perhaps but possibly what they are looking at.

They would be really pushing it as water ingress occurs on caravans which have never been serviced as they are still within the first year.  Many caravans suffer from water ingress after they have been serviced.

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Damp problems are a specific exclusion on your policy so there is no doubt it is not covered.

If it is under guarantee and has not been serviced then again you will not be covered by that as the guarantee requires it. This is perhaps reasonable, in that damp will get worse if not attended to, so missing a service means no damp check and the possibility of a minor problem becoming a major one.

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