Caravan Club Non Insurance Policy

Posted on 13/11/2019 15:09 by Wherenext

DD. I have no intention of getting involved with your reply. You have obviously decided that you are the expert so it will be up to others to decide who they wish to believe. I have more important things to be getting on with.

Posted on 13/11/2019 15:25 by

That's a shame as your response was interesting and carefully worded.  There are often quips about my having been a JP half a century ago which slipped out but I make a point of not bandying qualifications about.  Just bear in mind there are other well qualified people around.  

Posted on 13/11/2019 14:54 by Wherenext

Certainly. At the time I switched cover, the policy issued through the club did not cover me for repatriation costs in the event of the caravan being damaged when not attached to the towing vehicle. In other words on site. This cover had to be purchased from them through Red Pennant and I found the cost of that cover extortionate for myself due to an underlying medical condition so I sought alternatives. I found reasonable medical insurance through a bank account package and noticed that Saga Insurance included repatriation costs, up to a limit that was commensurate with RP, in their caravan insurance.

A couple of years ago a 12 year old German lass rode a Quad bike into the side of my car damaging the door. the car was parked haphazardly on the pitch, but fortunately for me, right in front of my A frame. This would definitely have been damaged and the caravan would have had to be transported back to the UK. So accidents when unattached do, or could, happen and I am happy to have some sort of cover for it.

Posted on 13/11/2019 15:05 by Wherenext

Sorry Alan I didn't answer your other query. If a Third Party sues you and the club handles the claim and under values the settlement then the Third Party won't agree it. I assume that legal proceedings may follow if an agreed sum cannot be reached but in any case the club would still indemnify you.

If you are talking about not having your own sum insured agreed upon then I suggest you deal through an experienced broker and maybe take out separate independent legal expenses cover from that offered by the club as they wouldn't sue themselves. As I said before if you are not happy then place your cover elsewhere. 

I have had a total loss claim this year and obviously I was quite happy to handle all aspects of the claim negotiations myself. Others may not be so happy and I understand that.