Cannot insure my caravan
Comments
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Malcolm
The problem you have is that you do draw attention to yourself. From what I have read of your postings on this forum you clearly work from whatever site you are staying on.This must mean that you are in and out of the site on a much more regular basis than
most people staying on site. It seems also, in most instances, that you only move site to meet the limited occupancy rules of staying on a Club site. Personally I don't see much difference between you and someone pitching a caravan on a site and going off
for the day to work which seems to be exactly what you do. Whether your insurance covers such eventualities you won't know until you test it by asking. I would also suggest that you need to establish whether your car insurance covers for essentually doing
a delivery job. mine wouldn't.David
Write your comments here...Exactly, David. The limited occupancy rules actually benefit me. It gives me an excuse to get a day off work. I now get a state pension so I no longer need to be working 7 days a week!
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There you go again.
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There you go again.
Write your comments here...Yes, TW and I did answer David's question about car insurance. I pay £150 a month for business insurance on the car, whereas previously I only used to pay £75 per month for SDP.
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I have business insurance on the car. The car is specifically insured with Lloyds as fast food delivery driver for business as well social, domestic and pleasure.
If I am out in the car, the boss contacts me on my hands free car phone to say that there is an order. My wife then checks the order on her Iphone through the admin area of the dinner2go website where we get details of the entire order and any special requests
by the customer.I keep the mobile phone with me at all times so that if I'm in the caravan, I can receive a call from the boss. However, if there is one delivery, this is often followed by another one so the call is subsequently received in the car. So on a busy day, most
of the calls will be received in the car and not in the caravan. This is because if orders are queueing, there's no time to return to the caravan.Malcolm
I'm glad that at least you have the car properly covered. However I do seriously suggest that you are a little too ready to share a lot of personal information on this website that it might be better keep under wraps even if only for you own protection.
Things can easily be misunderstood which might end up causing you problems that you can do without.David
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I have business insurance on the car. The car is specifically insured with Lloyds as fast food delivery driver for business as well social, domestic and pleasure.
If I am out in the car, the boss contacts me on my hands free car phone to say that there is an order. My wife then checks the order on her Iphone through the admin area of the dinner2go website where we get details of the entire order and any special requests
by the customer.I keep the mobile phone with me at all times so that if I'm in the caravan, I can receive a call from the boss. However, if there is one delivery, this is often followed by another one so the call is subsequently received in the car. So
on a busy day, most of the calls will be received in the car and not in the caravan. This is because if orders are queueing, there's no time to return to the caravan.Malcolm
I'm glad that at least you have the car properly covered. However I do seriously suggest that you are a little too ready to share a lot of personal information on this website that it might be better keep under wraps even if only for you own protection.
Things can easily be misunderstood which might end up causing you problems that you can do without.David
I tend to agree with David. From your post, a part of which I've emboldened, you are admitting that you DO use your caravan for business.
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There you go again.
Write your comments here...Yes, TW and I did answer David's question about car insurance. I pay £150 a month for business insurance on the car, whereas previously I only used to pay £75 per month for SDP.
You did but you also told us about your state pension and getting a day off work and now you're telling us how much extra your insurance costs.
Listen to DK. You tell us too much for your own good but you've been told that many a time before. Maybe it's all part of a huge wind up on your part.
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Malc appears to be giving the impression that leisure time is that when you are not working and that is absolutely not true in the planning system and probably the insurance industry by extension.
There is another use - residential use - which is not permitted on touring caravan sites and whilst I'm making no comment on Malc's situation I do think that the description of what the OP wants is residential use and insurance will be more difficult to
find.0 -
There you go again.
Write your comments here...Yes, TW and I did answer David's question about car insurance. I pay £150 a month for business insurance on the car, whereas previously I only used to pay £75 per month for SDP.
Write your comments here...£900 or £1800 a year for isnurance, is it a ferrari you deliver the pizza's in?
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Watch it, Brue, or Malc will tell you his life story and bank account details.
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Malc, don't stop at Bank a/c's, give out PIN numbers too. Then send me your cards for safe keeping-you know it makes sense
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I can only assume that all of the CC wardens (who do a grand job BTW) have received a special dispensation with the insurers, as they live on site and can be defined as working from their vans/mhs, or is the CC applying double standards?
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It would have been useful if the CC insurance had commented on this thread, just to explain or clear up things. But the original poster obviously had his caravan insurance rejected on the grounds of work related site usage. I presume the wardens have different
insurance since they are also employees? Although that doesn't help the first poster with his enquiry.0 -
I can only assume that all of the CC wardens (who do a grand job BTW) have received a special dispensation with the insurers, as they live on site and can be defined as working from their vans/mhs, or is the CC applying double standards?
Write your comments here...I would imagine warden's are covered on the CC own company insurance policy along with H&S to cover accidents & normal day to day incidents , they are working on site after all
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I can only assume that all of the CC wardens (who do a grand job BTW) have received a special dispensation with the insurers, as they live on site and can be defined as working from their vans/mhs, or is the CC applying double standards?
Write your comments here...I would imagine warden's are covered on the CC own company insurance policy along with H&S to cover accidents & normal day to day incidents , they are working on site after all
Write your comments here...This may be true in relation to liability insurance but the wardens would presumably be repsonsible for insuring their own outfits as they are the owners and not the Caravan Club
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Not necessarily. We can't know what terms exist in CC's insurance policy.
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There you go again.
Write your comments here...Yes, TW and I did answer David's question about car insurance. I pay £150 a month for business insurance on the car, whereas previously I only used to pay £75 per month for SDP.
Write your comments here...£900 or £1800 a year for isnurance, is it a ferrari you deliver the pizza's in?
Write your comments here...No, it's a Mitsubishi Shogun. I'm not quite sure how well a Ferrari would perform as a tow car especially on muddy fields in the middle of winter!
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I have business insurance on the car. The car is specifically insured with Lloyds as fast food delivery driver for business as well social, domestic and pleasure.
If I am out in the car, the boss contacts me on my hands free car phone to say that there is an order. My wife then checks the order on her Iphone through the admin area of the dinner2go website where we get details of the entire order and any special requests
by the customer.I keep the mobile phone with me at all times so that if I'm in the caravan, I can receive a call from the boss. However, if there is one delivery, this is often followed by another one so the call is subsequently received in the car. So
on a busy day, most of the calls will be received in the car and not in the caravan. This is because if orders are queueing, there's no time to return to the caravan.Malcolm
I'm glad that at least you have the car properly covered. However I do seriously suggest that you are a little too ready to share a lot of personal information on this website that it might be better keep under wraps even if only for you own protection.
Things can easily be misunderstood which might end up causing you problems that you can do without.David
I tend to agree with David. From your post, a part of which I've emboldened, you are admitting that you DO use your caravan for business.
Write your comments here...Well, put it this way. The company office is in the town centre and that is my business address not the caravan site.
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Irrelevant, Malcolm, but it's your lookout.
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Not necessarily. We can't know what terms exist in CC's insurance policy.
Write your comments here...It's quite difficult to insure property that doesn't belong to you. It's known as "Insurable Interest". Not impossible I'll grant you but only normally arranged under policies for Motor Traders and associated trades.
It is more than likely that the CC have used their muscle with their main insurer to provide normal caravan insurance for the wardens.
It would be interesting to know though and hey, I have been known to be wrong before and will no doubt be again tin the future.
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Me, too, WN.
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Not sure what the arrangements are for insuring wardens caravans but their are many others apart from this club in the same position so cover must be available somewhere.
It would be possible for the club to produce a policy and pay the premium as part of the contract of employment. I not know if they do however.
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Irrelevant, Malcolm, but it's your lookout.
Write your comments here...It is relevant, TW, because it means that I'm using the caravan for leisure purposes and the town centre office for my work. The boss may phone me on my mobile phone whilst I'm on the club site to ask me to come into work in the town centre to collect an order but that is not work in itself. The work starts when I get to the town centre to start processing the customer order. The journey between the club site and the town centre office is my 4 mile commute to work.
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The OP started this thread to complain that he couldn't get insurance for his new caravan. So the consequence of what he told the insurance company has meant that he has ended up with no insurance at all. That speaks for itself! I have no wish to go down that route and end up with no insurance at all.
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The OP started this thread to complain that he couldn't get insurance for his new caravan. So the consequence of what he told the insurance company has meant that he has ended up with no insurance at all. That speaks for itself!
It speaks for his honesty in revealing the true facts rather than fudging the issue as you seem to have done.
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The OP started this thread to complain that he couldn't get insurance for his new caravan. So the consequence of what he told the insurance company has meant that he has ended up with no insurance at all. That speaks for itself!
It speaks for his honesty in revealing the true facts rather than fudging the issue as you seem to have done.
Write your comments here...We don't know exactly what he told the insurance company but if he said that he was using his caravan for residential and business purposes when his true residential address is not the caravan and his business is at an office address that is separate from where he is sited, then he has given them a false impression.
It seems he is a member of the Caravan Club and to become a member you have to have a UK residential address such as a house, flat or bungalow with a post code. This means he must have a proper residential address in which case his caravan is just a touring leisure home.
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In the same way as you have a proper residential address, Malcolm? Come off it - you're twisting the story to suit yourself, as ever.
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The OP started this thread to complain that he couldn't get insurance for his new caravan. So the consequence of what he told the insurance company has meant that he has ended up with no insurance at all. That speaks for itself! I have no wish to go down that route and end up with no insurance at all.
Malcolm
The point I was trying to make in my previous posts was that you share so much personal information on this website that it is not beyond possibility that someone from either the Club's Insurance Department or even Membership Department could see your posts and start questioning the validity of both, simply from the information that you volunteered on here. You seem to be blindly unaware of this possible consequence? You may fully believe that you break no rules by your actions but you equally have to accept that others, who are in a real position to make a judgement, might not agree with you. Often discretion is the betterr part of valour, etc,etc!!!
David
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whilst relaxing in his bachelor pad fronting Brighton marina 
