Caravan Club Non Insurance Policy

I am sure that there must have been at least one speculative post. No idea which though. Maybe you could quote one? 

Just noticed that the Club are asking all those with Caravan Cover, who might have it located in an area that has been subject to a Govt Flood Warning, to contact them as it may affect cover. Right top and bottom of attached website page. Not clear if this is for new and existing cover?

https://www.caravanclub.co.uk/ecommerce/insurance/caravan-insurance/

 As that page is for quotations I assume that it is for new rather than existing cover. I would have thought that the provision of the post code would have covered that.

When it says 'located in an area that has been subject to a Govt Flood Warning' does it mean 'located in an area that has ever been subject to a Govt Flood Warning' - I have no idea but many things around the cover does not seem easy to determine. 

Personally, I make no assumptions. Certainly not in the case of protecting valuables. 

It does lack clarity.

Just as a sequel to my recent claim on the Caravan Club 'policy' - I submitted a claim for the fuel I used to transport the caravan to and from the repairers - which is permitted under their terms and conditions. It was not an insignificant amount since I did a total of 600 miles to Cumbria and back, (twice).

Not only did I submit the claim just two days ago - and received the cheque in this morning's post - but they actually paid more than I had claimed since they calculate costs on a fixed amount per mile rather than the cost of the actual fuel I estimated I used.

I could guess at the sort of response I would have received from other insurers.  Well done, CAMC Caravan Cover

I did not say that it was worthless Brue only that it did not give access to the Financial Ombudsman Service which I want access to should there be a disagreement regarding a claim valuation for instance.

The link from Brue seems to counter that then

Not according to the gentleman that I spoke to this morning. 

I spoke with the FOS directly today as I felt that access to FOS was only with regard to the Legal Cover, if taken, or in the event that the CMC could not financially meet a claim when their own Insurers in the event of insolvency would step in to deal with claims. There would then be recourse to FOS but not otherwise. The ombudsman chap that I spoke to was not fully aware of the situation and so read through the CAravan Club COver documents online. Then, after a discussion, he put me on hold whilst he pulled up the file that they had on CMC. He confirmed that after a decision by the CMC directors that there was no recourse to FOS and that such was clearly noted on the FOS computerised file.

So the info on the link is incorrect?

You are all wasting your time, he won’t be wrong