How many is too many on a CL?

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  • Navigateur
    Navigateur Club Member Posts: 3,880 ✭✭✭✭✭
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    edited August 2017 #122

    they would have to carry third party liability

    That is the insurance that I am asking about being invalidated by more than the legal 5 caravans, OP.  If it is not invalidated at 5, maybe it is at 10, or 100? There must be a limit or there would be big sites insuring themselves as a CL to get cheap insurance.

    Oddly, I have never seen a CL displaying a Certificate of Public Liability Insurance, as many other types of business are required to do by law.  Could this be another part of the exemption?

  • Goldie146
    Goldie146 Club Member Posts: 2,448 ✭✭✭
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    edited August 2017 #123

    Back in the day (pre 2001) when we had a CL we displayed our insurance certificate. I can't remember if we were told to; it just seemed the right thing to do.

  • Wherenext
    Wherenext Club Member Posts: 10,607 ✭✭✭
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    edited August 2017 #124

    How strange and what a coincidence

    On the last CL we stayed at we were third on and the day after pitching went out for the day. On our return the owner approached us and told us that the van opposite had arrived unexpectedly,adamant that he had booked and set up accordingly. Neither of the couple owning the site could remember it but assumed someone had forgotten to put it in the books. Anyway they asked if we would mind a 6th.van on site for 2 nights over the weekend as someone was arriving that day. There was room and we said we didn't mind as the owners were upset at their fault in not recording the booking.

    Anyway the following day the owner saw us again and said that the caravanner had received a phone call from a cl about 5 miles away wondering if he was going to honour his reservation. Sheepishly he packed up and moved onembarassed. So sometimes it happens. It really depends on whether it's a regular occurrence or a one off. Regular and I'd report it, one off then I wouldn't.

  • David2115
    David2115 Forum Participant Posts: 547
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    edited August 2017 #125

    Well I can see from a customer service point of view why the  Cl owners did what they did but legally to remain within terms of his licence they  should have done the latter. Who would stand by the CL owner if god forbid there was some sort of incident ( don't know what) resulting in loss of life , injury etc and the site was in breach of regulations. 

  • Rocky 2 buckets
    Rocky 2 buckets Forum Participant Posts: 7,101
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    edited August 2017 #126

    In mitigation 'custom & practice' within the wider CL owners community could be cited. Everyone knows it goes on including C&MC, it continues unabated so it becomes custom & practice.

  • David2115
    David2115 Forum Participant Posts: 547
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    edited August 2017 #127

    And that is ok until something goes wrong and everyone that supports the practice  will run for cover. 

  • eurortraveller
    eurortraveller Club Member Posts: 6,829 ✭✭✭
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    edited August 2017 #128

    Some of you won't want to know this, so forgive me, but the nearest equivalent sort of rural site in France is called an Aire Naturelle de Camping - 25 pitches allowed, provided one hectare is available - so 400 square metres per pitch. The rules have recently been modified to allow 30 pitches instead of 25, so a bit less space than that.

    The numbers are irrelevant. Hardly anyone uses those small rural sites. British visitors going over there rarely seek them out. Most Caravanners want full fancy campsites, and most motorhomers  want cheap hardstanding Aires. 

  • Wherenext
    Wherenext Club Member Posts: 10,607 ✭✭✭
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    edited August 2017 #129

    Oddly, I have never seen a CL displaying a Certificate of Public Liability Insurance, as many other types of business are required to do by law.

    Nav - Public Liability is not compulsory in the UK, merely advisable. Most insurers do not issue an actual certificate for this insurance, just a policy. What you normally see displayed is a Certificate of Employers Liability insurance. This is normally provided by the same company that insures the Public Liability and will often carry the same policy number so this may be causing some confusion. Only those insurances that are Compulsory have a certificate issued, hence your Motor Insurance Certificate, which ironically only proves that you have Public Liability insurance! Still following me?

    For a sole trader who doesn't have Employees then they will receive a policy document. Sometimes the insurer will provide them with an official looking declaration so that they can provide it to prospective clients or people who employ them as a sub contractor just to prove that they have this insurance.

  • Rocky 2 buckets
    Rocky 2 buckets Forum Participant Posts: 7,101
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    edited August 2017 #130

    D2, it's not about support just mitigation. Example-if a boss attempts to discipline a worker for not using safety gear the worker could point out that none of their co-workers use it either(mitigation) plus it's been going on for years(custom & practice)

  • Wherenext
    Wherenext Club Member Posts: 10,607 ✭✭✭
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    edited August 2017 #131

    Who would stand by the CL owner if god forbid there was some sort of incident ( don't know what) resulting in loss of life , injury etc and the site was in breach of regulations.

    The answer would be that the insurers would pick up the bill, subject to their Limit of Indemnity. There are many occasions when you hear about a company being found guilty of breaching H & S rules usually where an employee or a member of the public have been injured or killed. The insurers don't rely on this to get out of paying as their wording specifically sets out to cover the Legal Liability of the Policyholder and if they are liable in law then the insurers will have to cough up.

    The fact that the CL owner broke the regulations would probably be of more interest to the H & S Executive and the law.

  • Vulcan
    Vulcan Forum Participant Posts: 670
    edited August 2017 #132

    Public Liability insurance is required in order to open a CL.

  • David2115
    David2115 Forum Participant Posts: 547
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    edited August 2017 #133

    I wasn't thinking in terms of insurance either. I was thinking more on the lines of prosecutions under whatever legislation applies. 

  • Wherenext
    Wherenext Club Member Posts: 10,607 ✭✭✭
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    edited August 2017 #134

    Yes Vulcan it is required but it's a requirement made by the club. I'm talking about requirements by law.

  • nelliethehooker
    nelliethehooker Club Member Posts: 13,642 ✭✭✭
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    edited August 2017 #135

    It's at least the 4th time we've been on this site and this is the first time that there's been more than 5 vans on.

  • Vulcan
    Vulcan Forum Participant Posts: 670
    edited August 2017 #136

    I know that but this thread is about Caravan Club CL's.

  • Wherenext
    Wherenext Club Member Posts: 10,607 ✭✭✭
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    edited August 2017 #137

    Vulcan, I was merely explaining to Navigateur why he wouldn't see such a certificate on a CL. End of.

  • harryb
    harryb Forum Participant Posts: 1,536
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    edited August 2017 #138

    Further to my previous post.

    Although 12 vans I have to say there was plenty of room so I personally was not concerned as it by that amount as it was not cramped. However what did concern me about the large number of vans was that there was an issue with the toilet drainage system, which apparently, according to one regular, has had problems for a long time, it got to the point of overflowing each time ti was flushed until in the end we stopped using it. Another problem was the dustbin/recycling area was full and the rubbish, in bags, was just left on the ground. This was no doubt caused by more rubbish than bins.

    Overall the cl was quite pleasant and had the criteria I use when looking. Someone said earlier, "Repor and chance losing it". That may be so but I think because of the problems mentioned it does justify a complaint to HO.

  • Vulcan
    Vulcan Forum Participant Posts: 670
    edited August 2017 #139

    There has got to be something wrong if anyone thinks this is acceptable, please report this site and name it for the sake of the other CL owners who are abiding by the rules and me so that I can avoid it.