Caravan Club Non Insurance Policy
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But then weather forecasts on all types of information methods are getting more accurate and if a Yellow weather warning is issued then I would expect any sensible person to take notice, and as is quite well known "it pays to talk"and the case of a warning to the "locals" wardens/owners who may well be in a position to advise
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Club is like other providers, certain exclusions apply depending upon your post code. We can’t currently insure a Land Rover in our area due to them being stolen all the time. It’s only Defenders, primarily the older very desirable ones not made any more, but when we enquired, it was all LR badged vehicles. Our neighbour bolts his Defender to a ground anchor, has a removable steering wheel, more locks than Houdini, alarms that deafen the whole area, and barricades it behind his Range Rover and a Jag! Yet still they try, parts if they can’t get the whole vehicle! 😂
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Some get “nowt” and a bit of a battering if caught!😁
Interestingly, we sometimes forgot to lock our Freelander Mk1. There were no takers........ Doubt it would have got far anyway😂
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I did not think that I said that the CMC Cover was useless Brue and merely gave reasons why I would not stay with it. I also said that, for me, it was not clear enough. You are responding to my post that was saying that NEW Cover taken out with the present exclusions affecting many areas of the UK where I might wish to travel is useless. You have read the exclusions to new policies as of yesterday? Would you wish to take cover with all those exclusions?
The FCA has nothing to do with it Brue if the exclusions are advised at Cover inception.
But then weather forecasts on all types of information methods are getting more accurate and if a Yellow weather warning is issued then I would expect any sensible person to take notice, and as is quite well known "it pays to talk"and the case of a warning to the "locals" wardens/owners who may well be in a position to advise
I would not necessarily be aware of local weather warnings at the various sites I visit on a tour. Obviously in the unlikely event of my visiting Rowntree Park or Tewkesbury Abbey in wet weather I would check. As to talking to
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As a consequence of the extreme weather conditions being experienced across the country, The Club has considered it prudent to implement the following temporary measures, applying only to members purchasing new caravan cover in relation to flood cover. The Club will continue to sell caravan cover but exclude any claims that are caused by or due to flooding where the caravan is stored or located in an area that has been the subject of:
• A severe flood warning
• A flood warning
• A flood alertThe has been would certainly be of concern if I was still in the market for caravan cover. As this makes it historical. So until they decide different any area of the country that has been the subject of one of these types of warnings. Presumably even if not for several years.
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Not at all Brue I responded to your post and then emboldened something from JVB I think that I also responded to.
I take that you dip in and dip out of this topic and perhaps chose not to reply to my response of 'Would you wish to take cover with all those exclusions?'
The FCA has nothing to do with it Brue if the exclusions are advised at Cover inception.' And therefore decided to dip out again.
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If you read further down Steve it adds :
In addition the Club will exclude any claim caused by flood damage on any new cover purchased within the following geographical areas; specifically at or near
South Yorkshire, the Lower River Don Washland
The River Derwent, Derbyshire
The River Trent, Nottinghamshire
In more general terms; South Yorkshire, Lincolnshire and the Midlands.So is it saying best not go to those counties if you take out a new policy?
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I don’t fundamentally disagree with what they are doing, they don’t want to take on anything with what might be construed as added risk. It’s the vagueness of the statement in terms of what geographical areas are covered, and applying historical records regarding flood warnings that’s not clear.
It would appear two floods in two decades is enough to condemn the whole of South Yorkshire, so I have little hope for the good folks in the Shropshire, Worcestershire, Gloucester, Welsh Border areas. Even if they live high on a hill!
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IMHO it will not be long, before LV insurances will include flood damage,if not already, in the questions and post codes of where it is stored (if applicable)kept, and will be reflected in the cover/cost ,as will a note about going to areas that are subject to yellow and above warnings for what ever weather, as it will give them another reason for not/or reducing claims
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I have a feeling that neither the CMC or its backer would be very happy to pay out large sums of money for claims relating to numerous caravans damaged by recent floods hence the reason for the change in policy.
As a new mutual it may not have sufficient funds currently and if it loses its backer, Builders Direct, there could be issues as we cannot claim from Builders Direct. A bit late to impose new terms going by what we saw yesterday by River Avon off the M5.
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I can understand why the club have done it. An uninsured van in storage which is flooded and the owner decides to take out a policy with the club then put in a claim. Just watch the tricks people get up to in the programme 'claimed and shamed'
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I doubt that to be the reason OP. The sort of flooding that would cause such damage is doubtless recorded along with dates within data held by environment agency and would also be reported in local media. If you get flooded today and try and get insurance afterwards and lodge a claim it is not going to wash (pun intended) and you could face criminal charges.
I see it as purely avoiding new business
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There have been several areas this year where flooding has not been "reported"before, and as you say there are always those who will try it on, after the event ,so i would think that other companies have also tightened up their questionnaires and policy "small print"
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+1, the common sense reasoning👍🏻
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just need to be watchful that when it is re-instated it is from a clean slate, and flood alerts/warnings are not historical if a claim is made in future.
Definitely! Any new business at present is subject to a large restriction in cover which is indeterminate in length however the cover being restricted. However as the club says 'The Club will keep these measures under constant review and when the extreme weather conditions abate remove the restrictions.' Probably not a problem for those living outside Lincolnshire, Midlands, South Yorks etc if they do no tour over winter.
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what clap trap, i grouped householder/RV's together and you ask any householder who lives in a flood affected area just how difficult it is to get household insurance, my inference was that this undoubtedly will happen in the RV sector, do you think that people who have made claims for flooding in storage areas are not going to have some difficulties when they come to renew their insurance?, but be careful what you wish for, there is what is known as "duty of care" so your new provider may take a dim view of you using e.g. Chatsworth House and not being aware of the dangers of flooding if you should have to make a claim.
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Didn't the floods of 2007 occur during the middle of summer? It took the wife nearly 3 hours to come collect me and I was only 18 miles away. It then took us another 3 hours to get back to the caravan only to be woken up the next morning at 4am and being told we need to move very quickly due to flood waters. We were in Stourport on Severn.
During one winter we had two hours to get off a caravan site during a flood and some people had gone out for the day. If you have a full awning up etc it can take awhile to get everything sorted to move the caravan rapidly. If we had stayed, we would not have been flooded, but we would not have been able to leave heh caravan park for several days..
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