Caravan insurance when with dealer for work

Newtotowing replied on 18/08/2022 16:59

Posted on 18/08/2022 16:59

When dropping of my caravan at the dealers for some warranty work I was asked to sign to accept the statement ..... 'Please remove all personnal items. If this is not possible, please note your personnal items atre left at your risk. Your caravan is left with us at your own risk and is covered by your insurance for the duration.' 

When I checked with my insurer they said the caravan should be covered by the dealers insurance and my insurer would not cover it.  Under these circumstances I am worried about leaving it at the dealers overnight. 

Do caravans dealers normally not insure customers caravans when they have the van to do work?  The dealer is a large well estabalished firm and I have spoken to them several times and they are adamant that their insurnace does not cover my van. 

Any advice would be much appreciated.

Wherenext replied on 18/08/2022 22:13

Posted on 18/08/2022 20:58 by LLM

A good comment but I find it difficult to think of a situation where loss or damage to a customers property at a traders premises would not be the traders responsibility.  

Posted on 18/08/2022 22:13

I once  had to deal with Fire damage to several cars on the forecourt of a motor trader, some of the cars being customers cars. It was caused by a Third Party losing control of his car and crashing into one of the cars on the forecourt setting fire to both cars and some minor damage occuring to other adjacent vehicles.

Not the fault of the motor trader. All dealt with amicably in the end especially as his own staff put out the fires quickly themselves.

Had a fire once caused by an errant firework. Stuff happens.

Bakers2 replied on 19/08/2022 08:26

Posted on 19/08/2022 08:26

Maybe a question for the clubs legal team?

I'd certainly be concerned about signing something like that. Hopefully nothing will happen but if it does added hassle is unnecessary.

BlueVanMan replied on 19/08/2022 18:22

Posted on 19/08/2022 18:22

It is difficult (and risky) to offer views on the effect of a contract if you haven't seen it however it is not completely true to say "that you cannot sign away your legal rights" albeit some rights for example regarding personal injury cannot be signed away. LLM seems to imply that a dealer can be liable without negligence. LLM may be just that (although there is no full stop) but at best he has oversimplified things. Furthermore Insurance stands behind you not in front of you,  in other words the Dealer  may have cover but they wont pay the dealer is not legally liable. 

My motorhome insurance requires the insurers to be informed if the vehicle is away from its normal storage location for more than 48 hours and that includes leaving it with a repairer. I recently left the vehicle for bodywork.  The insurers confirmed that the vehicle WAS covered but NOT the contents. Obviously if damage to the vehicle does occur whilst in the dealers possession the circumstances may point to dealer liability but not automatically. Personally I would remove as far as practicable all personal possessions especially valuables such as a TV. A insurance claim will always cost you money excess plus loadings. 

Going to court is expensive and therefore largely impracticable unless big sums are involved so prevention is the best strategy. 

When my car is serviced I always just delete the bit on the form limiting the dealers liability and the dealer has so far always accepted it even though he may think I am an eccentric or even a lunatic. 

 

Near Malvern Hills Club Campsite by Andrew Cole

Book a late escape

There's still availability at many popular UK Club campsites - find your perfect pitch today for a last minute trip!

Book now
Woman sitting in camping chair by Wastwater in the Lake District with her two dogs and picnic blanket

Follow us on Facebook

Follow the Caravan and Motorhome Club via our official Facebook page for latest news, holiday ideas, events, activities and special offers.

Photo of Wast Water, Lake District by Sue Peace
Visit Facebook