Caravan Club Non Insurance Policy

EasyT replied on 01/11/2019 22:56

Posted on 01/11/2019 22:56

A simple question. As the caravan club no longer offer caravan insurance as such what suggestions for a new insurer that does.

MollysMummy replied on 01/11/2019 23:50

Posted on 01/11/2019 23:50

as I understand it they still do ... but just take the risk themselves rather than AN Other insurance company 🤔

When I put my details into a comparison company, the price of the club insurance was comparable with others.

EasyT replied on 02/11/2019 00:13

Posted on 01/11/2019 23:50 by MollysMummy

as I understand it they still do ... but just take the risk themselves rather than AN Other insurance company 🤔

When I put my details into a comparison company, the price of the club insurance was comparable with others.

Posted on 02/11/2019 00:13

The so called insurance is indeed comparable. However as pay outs are discretionary and the policy is no longer an insurance I presume that it is not regulated in the same way. 

Dorset Diver replied on 02/11/2019 07:38

Posted on 02/11/2019 00:13 by EasyT

The so called insurance is indeed comparable. However as pay outs are discretionary and the policy is no longer an insurance I presume that it is not regulated in the same way. 

Posted on 02/11/2019 07:38

Nail on the head ET.  They seem to have found a way of sidestepping the insurance regulations and regulator.  Why would they want to do that?  As you say payouts are discretionary and it would appear that the customer has no recourse to an independent body if a dispute arises.  

EasyT replied on 02/11/2019 08:22

Posted on 02/11/2019 08:22

It is that lack of regulation that most concerns me DD. It is far easier to use the ombudsman than to take CC ro court in the event of a dispute

JVB66 replied on 02/11/2019 08:29

Posted on 02/11/2019 00:13 by EasyT

The so called insurance is indeed comparable. However as pay outs are discretionary and the policy is no longer an insurance I presume that it is not regulated in the same way. 

Posted on 02/11/2019 08:29

I think you will find that all policy payouts are "discretionary"as all companies can decline a claim

EasyT replied on 02/11/2019 08:36

Posted on 02/11/2019 08:29 by JVB66

I think you will find that all policy payouts are "discretionary"as all companies can decline a claim

Posted on 02/11/2019 08:36

They can but they are also answerable to the ombudsman but I have no idea with regard to CC how that pans out with regards to CC non insurance JVB

DaveandVicki replied on 02/11/2019 09:12

Posted on 02/11/2019 09:12

Was discussing this on another forum yesterday and a poster asked what is the legal difference between cover and insurance ?

Does anyone have a definitive answer ? I certainly do not know.

Easy T, I have the same concerns.

Vic's finance agreement will not accept the "clubs" cover as the caravan has to be fully insured.

Looks like renewing with Safeguard at the moment.

Surfer replied on 02/11/2019 09:28

Posted on 02/11/2019 09:28

It seems that last week we were silly enough to take out this "caravan cover" and on receiving the documents I admit that I did not read the fine print thinking that we were insured.

In another forum it was pointed out that we only had caravan cover and not caravan insurance.  On reading the booklet I then discovered that cover was offered as follows;

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.

Obviously the above statement in the booklet is of great concern to us as our caravan is now not insured and is only covered whatever that means.

We now have to shop around for a proper insurance company that is regulated, but in the meantime we have no insurance!

BTW when I phoned in on more than one occasion I used the term insured and not once was I corrected.  On the 31st I needed to make an inquiry about a clause and wrote in an email "We have recently taken out insurance with the club and having perused the documents we have a concern regarding the Alarm Clause.  It specifically refers to sensors on the corner steadies being activated when leaving the caravan and this is a dilemma for us."  Again I was not corrected however we are now very concerned and will have a sleepless weekend until I can arrange insurance on the Monday.