Caravan Insurance
A discussion on C&CC forum regarding cost of changing insurance for a new van (Mid Term) brought up a problem.One member didn't worry about insurance as his van was 11 years old and if it got stolen it would save him filling the claims forms out.That got me thinking when it was pointed out to him that it wasn't just cover for theft but any damage that could be caused to third party on a site.Which then made me wonder how many members come onto sites with no insurance at all? and should this be allowed?.Needless to say the member hasn't replied.
Steve
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that it wasn't just cover for theft but any damage that could be caused to third party on a site.
Like what? How does a pitched caravan cause any damage to any one/thing? If it's attached to the tow car when this damage occurs, it's covered gy the car's insurance (see thread about LV)
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Hi MM what do you mean by (like what)? I don't think you need me telling you what may happen on a caravan site.Just use your imagination to come to that conclusion. It's not about when the van is attached to the car, It's about when unhitched on site the thing to remember is if it can happen then some time it will happen (sod's law) and if it happens to me i would like to know the van owner had insurance.Has Pippah as said it may not be likely? or do you believe that caravans don't need to be insured as these things will never happen.
Steve
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I mean exactly that ..... like what? You asked what damage an uninsured caravan could cause to a third party. Other than rolling away, what can a caravan do to any one/thing while pitched? And I've yet to see a caravan roll away.
It's a good question though ...... would the CC's public liability cover runaway uninsured caravans? ...... just asking, as I've no idea.
Slightly different. SWMBO's (this is her log-in name) work colleague years ago had a dog. It wasn't insured & it ran out onto a motor-way causing a multi-vehicle pile up (fotunately no fatalities ). Said colleague was taken to court by one of the insurers who then had to re-mortgage their house to help pay for accident.
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Hi MM, I know it may sound far fetched but my brother-in-law managed to collide with the back of my caravan when he was using his mover to get to his pitch. I had to claim off his caravan insurance as he was not attached to his car. A very rare thing, I would suspect though.
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It's a very good question. I almost forgot about the EHU post at the very back of the pitch, when power moving the van. I assume the CAMC would have wanted to claim off my insurance if I had demolished it. Although they could also just say you owe us X and if you have not got insurance you can either pay up or we will see you in court. I am not sure if it is for the club to police insurance. Otherwise they would have to check your car is properly covered as well.
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Hi MM you seem to have answered the problem and the solution if you don't have insurance, but that way is not very easy if you have stopped working. You have never been on a site where a van has gone up in flames, will admit the fire breaks on Club sites should reduce this scenario but as i've said if it could happen it will?.As for your last comment we all know if you are the injured party then you claim off the offenders insurance and if your caravan isn't insured you can still claim if the offenders van has no insurance then that's where we started??
Steve
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Sorry if I was not clear MM. The point I was making was, that if he had not been insured, then I could not have claimed off him.
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I have seen at least 3 incidents with caravans running away. Had a car door deted by somebody manouvering a caravan by hand and had damage done to to caravan by somebody using a motormover. When I had cheap caravans I would inure them at a very low value with a fairly high excess to be insured against worse case
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Wow ET you've been unlucky.
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The point about the risk of no insurance can be easily covered by looking at the fire at Broadway when a caravan caught fire and badly damaged the motorhomes either side. Not sure what the cause of the fire was but if the caravan owner was responsible then he could be faced with claims for two motorhomes, their contents and other losses, adding up to well over £100,000. If you were not insured could you afford this?
With a cheap caravan comes a cheap policy which might save you from a financial disaster.
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That's an interesting point. Does the CAMC have a third party liability requirement for those using club sites?
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