Is this justifiable?

+1👍🏻. I agree wholeheartedly, I buy insurance to ensure I’m covered for all eventualities. I don’t like the ‘3rd party F&T’ either. Full insurance or why bother.

It is not until you have a claim you realise the value of insurance,with the Caravan Club insurance my claim was met promptly and efficiently,with none of the "catch me out" questions,but when I had to deal with Santander which is underwritten by Aviva,what a pain,every time I rang you have the long wait,explain everything again to the telephone staff,constant dragging of feet,ect ect,if this is "proper" insurance, I know who I would rather deal with

· One of the main reasons for the increase is the inflation we are seeing on theft claims - the average value of a theft claim has risen significantly since 2018 and there is no evidence to suggest this will stop.

I have copied this paragraph from the Club's letter,from the OP reply,are we now saying that we have to live with caravan theft,and normal off the shelf caravan security is no deterrent,and insurances with continue to increase.

It could be that many of the security devices sold, even if Gold Standard are not up to the job. I watched a recent video on YouTube where they tested about half a dozen security devices for cars (many looked similar to what was available for caravans and motorhomes) and most took less than 2 minutes to remove, some of them without much effort. 

It would be interesting to have some facts and figures on both caravan and motorhome theft. Not sure that is sensitive commercial information? 

David

I do hope that you have a motorhome and have bought "insurance" rather than buying "cover"  for a caravan. When something goes wrong I would always like to be able to contact the Insurance Ombudsman.

Having just received the documentation for my Caravan Cover policy, it clearly states that I could refer to either the Financial Ombudsman Service or the Arbiter for Financial services if dissatisfied with the Club's response to a claim. 

 As Mikey A is not a member he would not be aware of this as he would not be able to take out cover with the Club. 

I renewed our caravan insurance yesterday, the 'contribution' wanted by the club to renew was £20 more than last year, however I have not adjusted the values for insurance for a few years. 

It says to call to amend any details or values.  So after 2 calls being on hold for around 10mins each being told 'we are busy ignoring other customers' I gave up and sourced other qoutes.

I called Saga who came out £25 cheaper whilst also increasing the value insured to cover todays over-inflated costs. 

Is this 'caravan cover' municiple policy plus a 3rd party 'gap' insurance a new thing as i dont recall this senario before..