Caravan Club Non Insurance Policy
Comments
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Again who is this we? A few posters out of thousands
You are talking as if you are forced to take out this cover, are you?
And if as you suggest the club fails so many times why carry on with it or buy any new products? If a product fails me once, I'll give it one more go perhaps but after that I don't.
“The definition of insanity is doing the same thing over and over again, but expecting different results.”
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+1
And as people are so very keen to come on CT and report the slightest negative point, no matter how small I'm sure we'll hear about it if that happens.
The club's payout rate on claims is still at the industry standard.
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The CAMC most certainly do, easy to find it is on this website. For others (and the club) use perhaps CUE and/or do a search. There is good advice on how to do this from compare type sites. For example Aviva and the club are with 1% of each other in payout claims.
I resent your persistent personal attacks and once again shown them to be false.
Also look it up is your wording when asked, ironic really
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interesting, I thought you only posted recently that you have used 6 club sites in recent years and many more before that?
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It is (I've counted ) but one click away. DIY.
No more playing now - Use your running away line if you wish.
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It is interesting to note that the 2019 winner of the Insurance choice awards for caravans is the club cover, yet with insurance in the title you (one) might think that they wouldn't consider the club's cover and give the wining organisational to a 'proper' insurance? yet they have? Maybe they don't see it as much, if any, difference? I appreciate that these awards may mean little but why let the club's cover be even counted? Unless of course it is? Who knows, but an interesting observation?
Also of note the club won in 2018, and the club's insurance won in 2017.
Oh the the Motor home insurance was won by...
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additionally the top three contenders for the award were:
The Caravan & Motorhome Club, Caravan Guard & The Insurance Emporium.
Now you could say that whoever voted may not have realised the 'difference' but surly:
a) The Insurance award people would have and if there was a 'difference' wouldn't have let the club be entered?
b) If there was a 'difference' wouldn't the other two complain?
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I meant those (4) posters out of the thousands that have bought the club's cover, I was replying to Surfer's post that said:
Every time the club has taken on something new they have failed miserably which is why we have concerns.
There are many examples of this and in some cases, but not all, after several months they have been able to rectify the issue where it is acceptable.
We do not want to be the guinea pigs!
the we I took it as being the ones who use/buy a club product.
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I do feel that there has been a lot of misinformation bandied about on this thread, particularly in regard to the Public Liability aspect of the cover.
This section sets out to cover the Insured party for their Legal Liability for any injury, loss or damage to Third Party persons or their property. The CAMC cover states this. If a court of law decides that you have been negligent then the CAMC will have to pay, regardless of their T&Cs otherwise they would be in breach of contract. They would also be the laughing stock of the Insurance Industry and clients would desert them in droves. You cannot escape your legal liability. This is why signs such as those found in Car Parks stating that the owner is not responsible for any damage etc. is rubbish. If they have been negligent in not fixing the condition of said car park and you trip over a loose paving slab then they cannot hide behind this disclaimer. They are negligent. In the caravan cover scenario if the club did for whatever reason decline a legitimate claim then they could be sued under the Unfair Contract Terms Act 1977, which is specifically designed to deal with contracts of liability.
I state the above as someone who worked all of my life as an Underwriter, Salesperson, Commercial Broker and Claims Handler of Public Liability insurance, amongst other insurances.
It should be noted that I don't actually insure my own caravan with the club and haven't for a number of years. This is not because I am worried about whether they are ethical or not but simply because they could not provide me with the cover I was seeking and to my knowledge still can't. It relates to cover whilst abroad so quite a few people can ignore the reason.
I also think that the club in trying to be clever have actually got their sales pitch wrong when they included the word May into the equation when talking about settling claims. I feel they were looking for an edge over their competitors here by intimating that should your claim fall outside the normal scope they could still end up paying the claim, ex-gratia as it were. However they have left it open to other interpretations.
I really cannot believe that their intention is to avoid paying legitimate claims but understand members concerns. That is up to each one to decide whether or not to place their cover with them but if push came to shove I would not be put off insuring with them if I could resolve the foreign cover aspect and certainly wouldn't worry whatsoever about the Public Liability aspect as any declinature, in my view, would only come about in exactly the same way as other insurers would handle it.
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Great post, WN, and a pleasure to read the words of someone who knows what he's talking about.
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I state the above as someone who worked all of my life as an Underwriter, Salesperson, Commercial Broker and Claims Handler of Public Liability insurance, amongst other insurances.
I respect your knowledge WN. I presume that you have also dealt with unregulated policies that were permitted after 2005 as this changed the scene by allowing the sale to Members of unregulated mutual cover. So, with such cover what happens when a payout is believed to be undervalued either for the first or third party claimants? It is not just the lack of a payment offer. Many cases take to the ombudsman are in regards to undervaluation of claims
This section sets out to cover the Insured party for their Legal Liability for any injury, loss or damage to Third Party persons or their property. The CAMC cover states this.
Strangely the CMC policy states that it May pay out for a third party claim that you might be found legally negent for. This does seem odd
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and yes +1 form me too, I agree.
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Certainly. At the time I switched cover, the policy issued through the club did not cover me for repatriation costs in the event of the caravan being damaged when not attached to the towing vehicle. In other words on site. This cover had to be purchased from them through Red Pennant and I found the cost of that cover extortionate for myself due to an underlying medical condition so I sought alternatives. I found reasonable medical insurance through a bank account package and noticed that Saga Insurance included repatriation costs, up to a limit that was commensurate with RP, in their caravan insurance.
A couple of years ago a 12 year old German lass rode a Quad bike into the side of my car damaging the door. the car was parked haphazardly on the pitch, but fortunately for me, right in front of my A frame. This would definitely have been damaged and the caravan would have had to be transported back to the UK. So accidents when unattached do, or could, happen and I am happy to have some sort of cover for it.
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I agree it seems odd, which is why I think the club have not thought out their wording. i do not honestly believe there is an intention to avoid paying legitimate claims but if others think that then so be it. As stated I am not insured/covered with them so have no side to take.
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Sorry Alan I didn't answer your other query. If a Third Party sues you and the club handles the claim and under values the settlement then the Third Party won't agree it. I assume that legal proceedings may follow if an agreed sum cannot be reached but in any case the club would still indemnify you.
If you are talking about not having your own sum insured agreed upon then I suggest you deal through an experienced broker and maybe take out separate independent legal expenses cover from that offered by the club as they wouldn't sue themselves. As I said before if you are not happy then place your cover elsewhere.
I have had a total loss claim this year and obviously I was quite happy to handle all aspects of the claim negotiations myself. Others may not be so happy and I understand that.
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see answer from WN above.
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