Club Caravan Insurance

 I will add David that the delay in response despite reported posts smacks to me of taking time to come up with an attempted justification as to why members are benefited as apposed to any meaning full clarity in an unclear situation. I have not researched details of who to contact in case of disagreement between the 'insured' and the CMC and maybe you would clarify for any members still considering renewal. You say members MAY be able to take a claim against Builders Direct S.A. to the financial ombudsman but, as far as I am aware, members have no contract with said company and therefore what grounds for complaint might there be??

"We have arranged a Group Insurance Policy in our name for the added protection of members with Caravan Cover.

The policy has been arranged with Builders Direct S.A. so that you can be sure that a valid claim will be paid if we do not pay. The Policy also means that you may be able to take a complaint to the Financial Ombudsman Service and enjoy the protection of the Financial Services Compensation Scheme if Builders Direct cannot meet their obligations to you."

if Builders Direct cannot meet their obligations to you

I thought that BD's obligation was to CMC? 

Don’t stress it ET, if it don’t do it for you-keep moving👍🏻

Builders Direct's contract is with the club and covers the clubs liability if the club are unable to meet their liabilities. Basically this is re insurance which means you need to show the clubs policy is liable and if so Builders Direct would have to meat the claim.

As for both failing this is stretching things too far.

I think I still prefer a proper insurance company as very wary of this arrangement as I can see it coming perhaps unstuck.  We are with Towergate who do everything for you if you need to make a claim.  One telephone calls resolves it all!

It is a common enough way of doing things and I am not aware of it causing problems.

No idea how common the discretionary mutual model is. Not common with me however

I wonder if the main point of this change is for the club to save money before they think about their customers

No the club do not save money but you might. They now have control of the claims and are not paying commission on the premiums, which should show a saving on the premium.

Premiums will still stay the same despite them perhaps saving money.  My concern is that the club may be biting off more than it can chew and end up like Carillion and we all lose out!

IF there was not a saving then the club would not do it.

Any savings to members will be due to the club passing those savings on by reduced costs in order to attract more business.

Has anybody noticed any worthwhile savings as a result? 

As for CC 'paying commissions' are you suggesting that the service was rub at a loss? Surely the caravan Club would have received commissions. Does the RAC run at a loss when they act as broker?