Caravan Club Non Insurance Policy

Just to clarify a couple of points that have arisen.

Importantly there still seems to be confusion about the ability to use the Financial Ombudsman Service (FOS). To reiterate, access to the FOS is available on the Caravan Cover we provide.

Because the cover is under a Discretionary Mutual, the cover wording can’t use the terminology ‘we will pay’, hence this was changed to ‘we may pay’. However, the insurance the Club has put in place with Builders Direct S.A. provides protection for our members with caravan cover to make sure valid claims are paid.

Should anyone have any concerns around the Group Insurance Policy the Club has put in place to provide protection for our members with Caravan Cover, the Group Insurance Policy wording is available on request (please call us on 01342 336 706).

Thanks for the clarification Ro, end of discussion for me

Hopefully, that will put the lid on it.

Thanks for clarification Ro , did not think the cc would let down members without legal recourse 

The user and all related content has been Deleted User

When it is stated that the financial ombudsman can be involved in the instance of dispute then I would consider CC Cover but until that is made specifically clear within the Cover documents I am not prepared to take notice of somebody selling the product - why would I when I can clearly achieve the same cover from a respected insurance for the same price??

The only statements that I have read say that it may be possible to involve the ombudsman. No statement in the document that clearly says that the 'insured' can involve the ombudsman in the case simply of a dispute over a claim or its valuation. The documents do say that bridges insurance MAY be able to be taken to the ombudsman but under what circumstances. If bridges provide a proper insurance - which no doubt they do- there is nothing given in the documents to give details of the cover that we supposedly are able to claim on in the case of a dispute rather than an inability to pay out. As Bridges are an Insurance provider and if a third party is able to take them to the FOS I see no reason why the Cover documents do not clearly state so. Another point is that some 9 months ago I reviewed a number of the Ombudsman's case decisions but did not once see reference to a third party taking a dispute to the Ombudsman. 

As far as I am concerned sales team''s reassurances that do not appear clearly within the Cover/Insurance documents are non existent and purely sales patter. 

Content has been removed.

Content has been removed.

Content has been removed.

Content has been removed.