Watch your insurance is correct
I have just ordered a 2018 Swift Challenger 480 (2018 ) which is coming with a new fitted motor mover.I believe it is an offer promotion by Swift to all 2018 Challenger orders. The mover is free. When discussing with my insurer what valuation figure I should cover for as, in the event of a write off situation accident and a replacement new caravan having to be sourced by the insurer, and if like for like cannot be supplied due to say 2019 Challengers no longer coming with a free mover deal, I was told I should allow £1000 into my caravan/associated equipment value even though I am not paying £1000 for my presently on order caravan. This is a warning as you could find yourself out of pocket if your insurance cover is on a new for old policy basis but if the mover is not a standard fit and you haven’t allowed for it’s replacement, you won’t get one.
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Basically what you need to insure for is the cost to you if you had to replace the caravan at any given date during the insurance year. Free offers of motor movers or other accessories come and go so if you want to be sure that you will get one with a replacement model then you need to add in anything that came free as part of the deal.
What you have to remember is that somewhere along the line the cost of that mover or part of it was factored in by the dealer when he sold the caravan. The idea that a £1,000 mover was given away is probably too good to be true. Possibly the dealer gets a good deal on the caravans for selling in bulk at a show which he would not get when selling lower numbers after the show and that allowed the giveaway offer at the show.
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No doubt, but also remember that deals can vary from show to show and it can be aided by what caravan you are trading in. In my case Swift Sport 524SR is in great demand especially six year olds with one owner and full service history...My deal included the Aldi heating and a very good trade in price, so all in all a great attraction.....Re paying premium to allow for a motor mover in case of a write off situation with the new van, I am with peace of mind knowing that my new for old will see me fully covered and no exclusions.
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I'm a bit OCD about insurance, including for the caravan, especially as we have had a caravan stolen in the past. I have a spreadsheet with contents of the Caravan, together with location of where we keep stuff, how much we've paid for it and where we've bought it from and the date of purchase. I ring up the Club every year, just before renewal, for a replacement price for my caravan (new). etc. I'm sure I've got everything covered. I put any new figures/ update etc on my spreadsheet, and it tells me how much I should be insured for.
Don't forget to include things like: motor mover; awning; portable refrigerators; gas bottles; in fact ever spare fuse, lightbulb and tea bag!!!
We find the Club's caravan insurance excellent when we had to claim, so I am unlikely to change to another provider. The only little niggle I have is that they divide the insurance into two parts: Caravan & associated equipment; and contents. I always have difficulty in deciding the difference between associated equipment and contents for some items. When I ask the question about which category, I am often put on hold or they have to discuss. I have often had the reply....'no-one has asked that question before. 😀😀 In practice, when I had to claim everything was sorted out sensitively, fairly and efficiently without problem.
David
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Neither did our company (Churchill) . When we told them we towed with it, they weren't bothered.
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New for old still has to be enough to cover the caravan and its accessories. If you have a motormover fitted then you need to allow for this as you cannot guarantee you can get one free if you need to replace the caravan at short notice.
The trade in you had is not relevant, what you are looking at is replacing the caravan with no trade in at an unknown date in the future.
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New for Old....Caravan Club ...5C’s and Super 5C’s.....The first For up to 5 years ...The second to 15 years....No matter which you are on , on renewal date you must notify them the up to date valuation if you want another 12 months new for old cover.....This includes “associated equipment”....Personal “contents” is only “market value” cover.
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Hi onepjg, I don’t who at Direct line motor insurance you spoke to concerning you not having to notify them about your car having a tow bar fitted...I am with Direct Line and I can tell you that when I was asked if any modifications had been made to my Mondeo I told them just a tow bar but obviously that wouldn’t be a modication would it..I was told yes it was and It would have to appear on my policy that I had had a tow bar fitted....I would contact them if I were you and double check or you could be invalidating your policy cover.
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I’ve just taken out Direct Line car insurance and as usual declared the tow bar. Definitely classed as modification and listed on policy. No change to premium.
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