Caravan Club Non Insurance Policy
Comments
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I apologise and you are correct and I used the incorrect term. However whichever way we look at it the Caravan cover is very suspect. Only yesterday I came across another abnormality.
In the CAMC booklet on page 6 it states that if you leave the caravan unattended only ONE of the following is required, hitchlock, wheel lock, heavy duty chain, immobiliser or alarm by a click on the key fob. Strangely you cannot immobilise a caravan like a vehicle. Weirdly it does not state that the alarm needs to be activated when left unattended?
On the actual policy documents that you get if you accept Caravan Cover it states that whenever a caravan is left unhitched it must be immobilised or protected from theft by use of a hitchlock, wheel clamp, heavy duty chain or alarm system. There is no mention of "one of the following".
The documentation implies that all of the security devices must be used or none if you have the alarm. It does not mention that the alarm needs to be activated?
A contradiction between the information in the book and the actual documentation? How many people carry a heavy duty chain and if is not fitted when the caravan is left unhitched and unattended then your claim "may" be rejected.
I would strongly suggest that the CMC really needs to look at the wording again as it is offering them a "get out" clause which is not good for the consumer.
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States unhitched and unattended. It seems nothing required if hitched and unattended? Still weirder and I checked the documentation before writing this post.
However It states under the alarm clause that the tilt/movement/corner steady alarm system and all locks shall have been put into full and effective operation when the caravan is not being towed or when it is parked and not occupied.
I did miss the above initially however it seems that if you stop for a comfort stop all the above need to be in operation. If you activate the alarm it will trigger as it is connected to the vehicle.
Under Approved tracking clause it states that the tracking system shall be in full and effective use at all times and maintained in accordance with manufacturers recommendations. You cannot have the tracker activated all the time as the moment you move the caravan it will trigger an alert to the call centre.
As said I really think the CMC need to look at the wording as it is all stacked in their favour to reject a claim. I am assuming that the documentation overrides the booklet?
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I did miss the above initially however it seems that if you stop for a comfort stop all the above need to be in operation. If you activate the alarm it will trigger as it is connected to the vehicle.
Just unplug from tow car in that case but leave hitched
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Under Approved tracking clause it states that the tracking system shall be in full and effective use at all times and maintained in accordance with manufacturers recommendations. You cannot have the tracker activated all the time as the moment you move the caravan it will trigger an alert to the call centre.
I would have thought a tracker was operating at all times. It just isn't sending out an alert to the tracking company. Either because it has been deactivated by the fob. Or in the case of the one in our MH we have a tag that has to be carried in the vehicle. Ours is certainly active all the time, as it logs our journey, which can be reviewed on an App. Great for seeing what they are doing with it, when it went in for some warranty work.😀
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That is correct however they use the words in "full and effective use". Surely this cannot be applied as most trackers are connected into the alarm system plus if it is not sending out alerts it is not in full and effective use? I know it is a bit pedantic but rather safe than sorry!
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We are the same, we make sure there is always one of us with the caravan. At our favorite southbound caravan services at Wetherby services I am always amazed how many caravans outfits just pull up and lock the car and all the occupants go off into the services without any further ado or precautions for the caravan.
I know it would actually be difficult, or perhaps bold is a better word, to unhitch a caravan push it backwards re-hitch then drive it away and I'm being super cautious but I feel better my way?
At out storage it is a condition by the owner that there is a hitch lock and wheel clamp.
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We never used to leave our caravan unattended when stopping briefly at a service station, but since my wife passed away and i now mostly holiday alone thats impossible.
At my storage facility, a CASSOA Gold site, it is a requirement that NO wheel locks or corner steady locks are fitted. This is accepted by my insurer.
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In the CAMC booklet on page 6 it states that if you leave the caravan unattended only ONE of the following is required, hitchlock, wheel lock, heavy duty chain, immobiliser or alarm by a click on the key fob. Strangely you cannot immobilise a caravan like a vehicle. Weirdly it does not state that the alarm needs to be activated when left unattended?
On the actual policy documents that you get if you accept Caravan Cover it states that whenever a caravan is left unhitched it must be immobilised or protected from theft by use of a hitchlock, wheel clamp, heavy duty chain or alarm system. There is no mention of "one of the following".
If you check proper you will find that you get an extra discount if you use an Alko wheel lock. I think the clue is in where it states one of the following. Just check the comma’s and there is a clue there. Basic English and I left school at 15 no qualifications, but did learn about punctuation
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I'm always surprised how cautious and risk averse many people are.
We have left caravans unattended whilst travelling for most of the last 50 years - at motorway services, Cribbs Causeway shopping mall, various supermarkets, one or two pubs, and several car parks with restaurants nearby.
We never used more than a simple hitchlock, and stuck to Club insurance and Saga insurance because they were both happy with that arrangement, whereas other insurers wanted much more elaborate security, and I was never going down the route of wheelclamps and trackers.
But I did once see a man fitting a hitchlock in a line of caravans on a cross channel ferry.
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But I did once see a man fitting a hitchlock in a line of caravans on a cross channel ferry.
Probably worried about that Johnny Depp chappie.
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I apologise that as a foreigner my English is not as perfect as your English. In the policy documents it does state that all the security devices must be used if the caravan is unhitched and unattended. Check yours if you are unsure.
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Which would you accept as being correct, the word from some one or it in writing. I know that for peace of mind I would want it in writing.
Hang on I have it in writing and that is not what it says. I would post a pdf but it seems this antiquated system does not allow it?
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Sufer this discussion appears to have settled with those who have decided for themselves that either the club's cover is not for them and those that want to continue with using it.
Yet you still continue to post with as many negative points as you can find, when tax dodging claims fail you start with the wording of the cover documents, why are you still doing this?
I am not suggesting you stop posting but again why? Do you see it as your role to convince as many of the 'remainers' as possible to also stop using the club's cover and you must continually warn them of the dangers of the cover?
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Security condition
It is a requirement of cover that whenever the caravan is left unhitched from a towing vehicle it is immobilised or protected against theft or unlawful removal by the use of one of the following: a hitchlock, wheel clamp, heavy duty chain or immobiliser or an alarm system. (This does not apply when your caravan is in for a service as long as it is stored in a secure compound)
Failure to comply with this security condition means you will not be covered for claims following the theft or attempted theft of the caravan and will show on your Caravan Cover schedule.0 -
Which seems at odds with my own expectations? I had to stipulate which security devices would be employed, and got the appropriate premium. I’d be surprised if the club paid out for a claim with only one security device (I’ve stipulated two) employed. To be fair, I haven’t studied my cover document.
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me
