Red Pennant - loading premium for over 70's

LeTouriste replied on 09/07/2019 11:21

Posted on 09/07/2019 11:21

We are in our 80's - in 2018 our premium was approx. £239.  This year it was increased to £644 because, we were informed, the underwriters did not like to insure members aged over 70.   Increased risks due to age are understandable but, in reality, there are some members under 70 who have greater health problems than those into their 80's.

Bearing this in mind, although a Red Pennant operator did not wish to discuss it, I suggested the following alternative:  For those of us over 70, retain the higher premium, but split it into two parts. Taking the above figures as an example, make the £239 a fixed basic charge, and the remaining £405 a form of bond - being refundable where no claim is made, and forfeited in the event of a claim.

For ourselves, the £644 was only accepted because we had already committed ourselves to the ferry charges and paid the deposit on our French campsite.  Considering that it cost us a total of around £1,200 just to land, a very good holiday can be had at a UK quality touring site for this sort of figure.

Puffball replied on 11/07/2019 16:28

Posted on 11/07/2019 16:28

Our policy with RP this year was £545 for 45 nights because I am now 80. We travelled 2,250 total miles from home to various destinations in France the furthest away being 600 miles from the port. Returning home safely, thankfully, without any incidents. Our friends, younger than us, paid around £200 for RP and are currently delayed in France by a week awaiting a breakdown truck from England to bring a car so that they can tow the caravan home, and to transport their own vehicle home as it was going to be difficult to put right in France. The reason for this post is to demonstrate that anyone might need RP, it doesn’t have to be for illness, so why penalise the over 80’s. We have been caravanning abroad on and off for 38 years and have used RP twice for parts for the caravan to be sent out. The service has been without fault as it is with our friends at the moment. Sadly we have decided we will no longer travel abroad with the caravan, the cost of insurance is too much.

Wherenext replied on 11/07/2019 19:18

Posted on 11/07/2019 16:28 by Puffball

Our policy with RP this year was £545 for 45 nights because I am now 80. We travelled 2,250 total miles from home to various destinations in France the furthest away being 600 miles from the port. Returning home safely, thankfully, without any incidents. Our friends, younger than us, paid around £200 for RP and are currently delayed in France by a week awaiting a breakdown truck from England to bring a car so that they can tow the caravan home, and to transport their own vehicle home as it was going to be difficult to put right in France. The reason for this post is to demonstrate that anyone might need RP, it doesn’t have to be for illness, so why penalise the over 80’s. We have been caravanning abroad on and off for 38 years and have used RP twice for parts for the caravan to be sent out. The service has been without fault as it is with our friends at the moment. Sadly we have decided we will no longer travel abroad with the caravan, the cost of insurance is too much.

Posted on 11/07/2019 19:18

Well shame on the "club". Obviously not looking after all of their members.

I bet you've taken out RP every time you've ventured abroad and how do they repay you? By pricing you out of touring abroad. Those people in the insurance department must be proud, eh?

Oneputt replied on 11/07/2019 19:41

Posted on 11/07/2019 16:28 by Puffball

Our policy with RP this year was £545 for 45 nights because I am now 80. We travelled 2,250 total miles from home to various destinations in France the furthest away being 600 miles from the port. Returning home safely, thankfully, without any incidents. Our friends, younger than us, paid around £200 for RP and are currently delayed in France by a week awaiting a breakdown truck from England to bring a car so that they can tow the caravan home, and to transport their own vehicle home as it was going to be difficult to put right in France. The reason for this post is to demonstrate that anyone might need RP, it doesn’t have to be for illness, so why penalise the over 80’s. We have been caravanning abroad on and off for 38 years and have used RP twice for parts for the caravan to be sent out. The service has been without fault as it is with our friends at the moment. Sadly we have decided we will no longer travel abroad with the caravan, the cost of insurance is too much.

Posted on 11/07/2019 19:41

Sounds a bit like age discrimination 

peedee replied on 11/07/2019 22:44

Posted on 11/07/2019 22:44

A bit like having to have a medical at 70 to keep your C1 driving licence! I don't know of any medical insurance that doesn't load the premium once you reach 80.  My current annual multi trip health insurance expires once I reach 80 I will then have to shop around for cover.

pèedee

birderbilly replied on 12/07/2019 21:07

Posted on 11/07/2019 16:28 by Puffball

Our policy with RP this year was £545 for 45 nights because I am now 80. We travelled 2,250 total miles from home to various destinations in France the furthest away being 600 miles from the port. Returning home safely, thankfully, without any incidents. Our friends, younger than us, paid around £200 for RP and are currently delayed in France by a week awaiting a breakdown truck from England to bring a car so that they can tow the caravan home, and to transport their own vehicle home as it was going to be difficult to put right in France. The reason for this post is to demonstrate that anyone might need RP, it doesn’t have to be for illness, so why penalise the over 80’s. We have been caravanning abroad on and off for 38 years and have used RP twice for parts for the caravan to be sent out. The service has been without fault as it is with our friends at the moment. Sadly we have decided we will no longer travel abroad with the caravan, the cost of insurance is too much.

Posted on 12/07/2019 21:07

Pufball are those figures just for the motoring cover or motoring & personal ? interested to know if the motoring only cover gets loaded at age 80.

iansoady replied on 15/07/2019 09:57

Posted on 15/07/2019 09:57

That sounds as though you're stopping travelling just because you "like to have" (your words) insurance from a single source. Surely it's worth the slight inconvenience of exploring other options?

Geejay replied on 15/07/2019 11:43

Posted on 15/07/2019 11:43

A few weeks ago I got a quote for Personal only, self 72, wife 69, 93 days in Spain. £540. Unbelievable.

I've had another look today and its gone down to £474 for personal.  I got a quote to include Motoring & Personal and it was £303 or £517 for the Plus version.  Very odd.

Personal from the other club was £142.  I'll go with them as I have done for the past few years.

iansoady replied on 16/07/2019 10:47

Posted on 16/07/2019 10:47

The excess for us (ages 70 & 74, some health conditions) with Nationwide Flexplus was £180 this year. Remember this is worldwide. I would prefer it if we could downgrade to EU only as we probably won't make any more trips to the USA but it seems a reasonable premium to me - especially with the associated breakdown cover.