Caravan Club Non Insurance Policy

Posted on 02/11/2019 10:20 by DaveandVicki

TTDA

This only concerns their caravan product, motorhomes are offered "Insurance"

Look at the headers near the top of the page and you will find "Caravan Cover" and "Insurance"

Posted on 02/11/2019 10:17 by Rocky 2 buckets

Yup, I get it👍🏻. Although I’d do the belt & braces thing, & the research with the FCA. I like to know things deeply😊

Posted on 02/11/2019 09:28 by Surfer

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.

 

Posted on 02/11/2019 10:27 by Oneputt

I had a good deal with Adrian Flux and only gave it up when i discovered they came under the Maltese FSA.  No disrespect to Malta but I know nothing about them 

Posted on 02/11/2019 10:20 by Rocky 2 buckets

Why ‘not as great a confidence’ if that is the case?, surely no company can openly deny a claim purely as a way of getting out of said claim🤷🏻‍♂️

Posted on 02/11/2019 10:47 by

Simple answer. 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!

 

Posted on 02/11/2019 10:47 by

Simple answer. 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!

 

Posted on 02/11/2019 11:14 by Rocky 2 buckets

So, if you put a claim in you see as valid & fair you believe the claim can be denied with the C&MC, whereas an insurance company would accept the same claim?🤔

Posted on 02/11/2019 11:14 by Rocky 2 buckets

So, if you put a claim in you see as valid & fair you believe the claim can be denied with the C&MC, whereas an insurance company would accept the same claim?🤔