Cannot insure my caravan
I am about to take delivery of a new-ish caravan which I am intending to use for work, instead of bed and breakfast. I have just tried to get a quote from the Caravan Club's own insurers, and also from Towergate, but both only offer 'Touring' insurance.
Can anybody please offer advice on any insurers? Thanks.
Comments
-
Pete, following this post and your others, are you aware you can only stop on a CL for a maximum of 28 days? You might be better finding a private site and negotiating a stay rate with the owners. Some farms can be very obliging as well, if they already
have caravans on site.0 -
Thanks for the comment, takethedogalong. At the moment I don't know what a private site is or how I would find an obliging farm. There are a few sites around Bishops Cleave where I could move between, at least until I build up my knowledge.
0 -
Apologies Pete, forgot how new you are to this. Caravan Club, and the other Club are really for tourers, so time is limited on Club organised sites. I would suggest taking a look on UKcampsites, use the search engine on there, possibly typing in Cheltenham
as local town, and it should come up with a list of different sorts of sites. You could contact a few, and see if they have some long term pitches available. Given that you will be staying over quieter Winter months, you ought to be able to haggle a bit on
price! Failing that, try and find out if any of local farms might site caravan for you, for a fee. We bought a caravan from someone who used it just as you aim to do, and that was sited on a nice farm. Was his bolt hole when inbetween working abroad on extended
trips. Good luck.0 -
As for insurance, you will be insuring a touring caravan so the CC cover, of any similar, should be appropriate.
0 -
You used your caravan for B&B?
You must have a very strange customer base. 
0 -
As for insurance, you will be insuring a touring caravan so the CC cover, of any similar, should be appropriate.
This is incorrect
I have told the insurance company of my intentions and they have replied that they will not insure me for any work-related
activities.0 -
As for insurance, you will be insuring a touring caravan so the CC cover, of any similar, should be appropriate.
This is incorrect
I have told the insurance company of my intentions and they have replied that they will not insure me for any work-related
activities.In that case I stand corrected but will the van actually be used in connection with your work or will it simply be your accommodation? There is a difference.
0 -
As for insurance, you will be insuring a touring caravan so the CC cover, of any similar, should be appropriate.
This is incorrect
I have told the insurance company of my intentions and they have replied that they will not insure me for any work-related
activities.Write your comments here... I would ring round the brokers who provide caravan insurance. You are looking at a specialist field which will not be available on the internet but the brokers should be able to arrange on a one off basis.
0 -
As for insurance, you will be insuring a touring caravan so the CC cover, of any similar, should be appropriate.
This is incorrect
I have told the insurance company of my intentions and they have replied that they will not insure me for any work-related
activities.In that case I stand corrected but will the van actually be used in connection with your work or will it simply be your accommodation? There is a difference.
agreed, i would ask Malcolm what he does as, in effect, he is working (and living/touring among a small number of sites) from his caravan....
0 -
As for insurance, you will be insuring a touring caravan so the CC cover, of any similar, should be appropriate.
This is incorrect
I have told the insurance company of my intentions and they have replied that they will not insure me for any work-related
activities.In that case I stand corrected but will the van actually be used in connection with your work or will it simply be your accommodation? There is a difference.
agreed, i would ask Malcolm what he does as, in effect, he is working (and living/touring among a small number of sites) from his caravan....
Can you please point me towards Malcolm
0 -
Ask the insurance company to define work related. think you will find as being used as an office or similar not as you would use it.a place to commute from.
Sorry, they will only insure for touring purposes. So if I am not touring, which I am not if I am using it as a temporary home, then that is outside of their acceptancy policy.
0 -
Peter
Have you tried static caravan insurance as they are clearly kept in one place. Not sure the fact you are using it as a residence whilst working would be particulary relavent. An alternative might be to use an insurance broker.
David
0 -
Ask the insurance company to define work related. think you will find as being used as an office or similar not as you would use it.a place to commute from.
Sorry, they will only insure for touring purposes. So if I am not touring, which I am not if I am using it as a temporary home, then that is outside of their acceptancy policy.
Try our local broker, Frank Pickles Insurance - a small firm, run by real people with an interest in finding you just what you want from a policy.
If you are still keeping on your 'main home' then isn't there some poetic license, in saying that you are just 'touring' but having an extended stay on the same site????
0 -
Peter, have a chat with malcolm, he lives full time in his van and works! My brother lives full time in his motorhome (on the continent) and has never had a problem with insurance. Don'ty know whether its still the case but he used to insure throught the
other club!You could try Adrian Flux they are good and insure all sorts of vehicles and uses
0 -
you could do as Malcolm does, ie 'tour' from just one site to another, stay 28 days, then 'tour' back again.....
he usually 'tours' from Worthing to Littlehampton then back again....also throws in a little Brighton for variety
0 -
When at 'Commons Wood' recently there were quite a few vans with caravans, two were signwritten 'Murphy' so more than likely construction workers and could well have been working on the demolition of the adjacent hospital. Most probably insured as touring and no mention of work related business, so keep quiet and enjoy
0 -
I've had a busy day and so not been able to respond to any messages. I really do have to say thank you for all the helpful comments. I took delivery of my new (2014) caravan and have been slowly learning about it. I'll probably wait until closer to
Spring before selling my old caravan. In the meantime, thanks again. I think my solution is to invest heavily into the Phantom Pro 3 Tracking System.0 -
I have read my policy document as supplied (currently) by the CC.
General Condition 1 on page 14 states...."The Caravan must not be used for business purposes"
This is in my opinion a very ambiguous wording and very unsatisfactory. PeterT7 will not, afaik, be using the caravan for business purposes at all but using it for recreational purposes, ie living in it, shopping from it, cooking in it etc. but not using it as an office or selling goods from it or making products in the awning etc. So one could easily argue that the caravan is not being used for business purposes. What do Household insurers do with exactly the same exclusion? Do they state that as you are using the house to commute to work from then this is business related? No they do not. If you re using it as an office etc. then you have to tell them and they may or may not choose to accept the situation.
The CC need to explain their intentions fully with this wording as I cannot see anywhere in the policy where it states that the insurance only applies if you are touring. People like Malcolm do not use it for business but to commute to their place of work, albeit that he and Mrs.M are actually living in the caravan but moving it in accordance with CC rules.
0 -
I have read my policy document as supplied (currently) by the CC.
General Condition 1 on page 14 states...."The Caravan must not be used for business purposes"
This is in my opinion a very ambiguous wording and very unsatisfactory. PeterT7 will not, afaik, be using the caravan for business purposes at all but using it for recreational purposes, ie living in it, shopping from it, cooking in it etc. but not using
it as an office or selling goods from it or making products in the awning etc. So one could easily argue that the caravan is not being used for business purposes. What do Household insurers do with exactly the same exclusion? Do they state that as you are
using the house to commute to work from then this is business related? No they do not. If you re using it as an office etc. then you have to tell them and they may or may not choose to accept the situation.The CC need to explain their intentions fully with this wording as I cannot see anywhere in the policy where it states that the insurance only applies if you are touring. People like Malcolm do not use it for business but to commute to their place of work,
albeit that he and Mrs.M are actually living in the caravan but moving it in accordance with CC rules.Would you want to risk having to argue that sucessfully if you were faced with the loss of your caravan. Having told them what you do with it and been told no it is not covered then it is not. You might get away with it if you had not asked but I would not
take the risk and but doubt you would. You have to look at legal interpretations.0 -
Wildwood, nowhere in my post did I say that I would take "the risk". I wouldn't but the CC haven't made the position clear and I'm not even arguing in my post that the OP should take a risk, merely pointing out the ambiguity of the wording. I think the
CC need to clarify their position, that is all0 -
Hello PeterT7. Welcome to the Club and Club Together. As others have said, we have been living in our caravan all the year round but have a home address through a family relation which is a permanent address. As our family relation lives there all the year round, the house is always occupied. So we are classed as using our caravan for leisure purposes. We have work on a self-employed basis doing fast food deliveries but we don't use the caravan for business purposes. We use it when we are not at work i.e. in between deliveries, so it's used for leisure purposes. The time we spend in the caravan is effectively holiday or leisure time because we are not at work when we are in the caravan.Your situation seems similar to this so you should be able to get insurance through the Caravan Club like we do.
I hope that helps.
0
