Caravan Club Non Insurance Policy
Comments
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So have I Brue and whilst it may muddy waters if its the one to which I have previously read it does mention possible recourse to Ombudsman with regards to Bridges Insurance to the club scheme, However that policy only kicks in if the club cannot financially fulfill payouts when I would possibly have a third party entitlement and then could go to FOS if needed. The club has however stated that it itself is not regulated to FOS and so, in the normal course of events whilst the club is solvent and does not need to resort to its insurance cover I would have no recourse to FOS
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As long as you’re happy, David, that’s all that matters👍🏻
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+1
as I said to David before:
At the end of the day one pays for what one thinks is best.
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Yes I do and I'd even go so far as to say you have my discretionary approval. 👍🏻😀
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you shouldn't really write fear factors like this DD, full marks for a very creative and emotive story you have made there, but considering your 'legal' background you have boasted about in the past you should know better. I think such an occurrence would be covered by your car's insurance? I assume you mean when towing, ie uncoupled? Or are you thinking of an accident while pitched up?
Third party cover
Most comprehensive car insurance policies cover trailers, but usually only for third party liability. In other words, you would be covered for any injury to another person or damage to their property. However, your policy would not pay out if your own trailer or caravan was damaged in an accident that was your fault. Third party cover also excludes theft and fire damage.Mine certainly does, so don't worry.
Can you stick to reality perhaps and not scare mongering?
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he may have mine too
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1. Cover provided for you Amounts that you legally have to pay because your caravan causes: accidental bodily injury, disease or death to any person; or accidental damage to any third party property
we will not cover:
anyone who fails to keep to any of the terms exceptions, conditions and
endorsements of this policy;any liability which happens while your caravan is being towed;
It would appear that such payment is not automatic as you claim DD? And this cover has a max of £2,500,000
I hope David has read all this?
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win win then
Has anyone found a caravan insurance or cover that insures or covers for third party while towing? If not then when does or rather when could third party liability apply? What liability could occur from a stationary pitched caravan on site, I suppose a fire perhaps? Or handbrake breaking just before towing?
I hope DD won't suggest that a caravan that becomes uncoupled while towing is no longer being towed??? If so then we are all at risk unless we check our policies very carefully?
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What liability could occur from a stationary caravan on site, I suppose a fire perhaps?
I researched case law on this many years ago. The owner of the caravan that caused the damage to adjacent caravans is not liable unless he can be shown to be negligent. The same applies to houses and motor cars andone would assume boats also. If your caravan is regularly serviced then it is very difficult/impossible to show negligence on your part. Maybe if you added wiring and did not get a new cert it could be possible but difficult in the extreme.
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Indeed, but you made it sound like payment was automatic:
Every insurance I have ever read says words to the effect that:
We will pay all sums (up to the amount stated in the cover) which you become legally liable to pay as compensation for death or injury to, or damage to the property of, any Third Party
Because you have been found legally liable the insurance WILL pay out.
I am glad you now accept this is not so, it is a shame you missed that out in your fear factor story DD
Additionally your fear factor story: Imagine a situation where you and your uncoupled caravan is the cause of an accident...which would leave you to have to pay yourself
scenario cannot happen can it, it? As no policy covers you while towing? Therefore you were simply scare mongering
I know you don't like the club and take all possible opportunists to have a go but this last one is even worse (as it is using fear to get your 'go' across) than the suggestion that the club was avoiding the law regarding HMRC and paying tax.
CC Ltd has reserves of around £20m, a few large claims will quickly absorb...
Once again your are trying to scare monger, did you not read Ro's post about the club having insurance to deal with this unlikely scenario? Perhaps you missed that DD?
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so (idle speculation) apart from purposefully starting a fire when would the third party liability be employed or useful?
I can only think of just before towing the caravan runs away and hits another? But even then?
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I have zero concern regarding this despite having seen runaways on three occasions when caravan unhitched on site. I either move caravan into position with car and line up Alko when motor mover U/S- A right pain and put brake on, Or use mover which stays engaged until caravan fully pitched.
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again no need to be so rude AD, you have made your decision no has called it foolish, you are happy and we respect it, but why can you not give others the same respect?
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I think that shows a lot about you. I was talking about respect for your choice and asking for the same respect back. I always show respect to other's decisions (even if I think they are wrong) and do not insult that decision or them, no matter what or where as I believe they have made them in their best interests. Just me I suppose, but OT.
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Well I'd rather believe Ro's printed words than you. I believe you are nit picking DD. And again simple scare mongering. no need at all. .
No more from me as I've shown enough of the your disingenuous or rather misleading posts. And it's getting off topic. ET has his insurance.
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No w Now gentlemen .green flag is called cover still use it
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yes, and on the times my daughter called them it was very good.
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There were no printed words from Rowena only a forwarded reply from the cover sales team. The only club statement of interest is that they are not answerable to the Financial Service Ombudsman meaning that they are not regulated and that the only recourse in the event of a disagreement is the court, It is that simple. As L said previously I have had two disagreements with insurers, One resolved amicably and one with a fight.
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As I said previously a totally different scenario. In the unlikely event of them not honouring the agreement and not making good financially for any shortfall my recourse is to small claims rather than a costly lawsuit, both time consuming and stressful.
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Very good for me as well overall. I first used Green Flag before it was bought out, I had a heater matrix fail I use to carry a flare copper pipe to bypass the heating matrix. I had given my reg as GXE 273 and missed the C off the end. They could not find details ut came out to campsite and said that they would bill me and sort out later. Excellent.
I have called them out on at least 5 other times since they were bought out and been well satisfies on each occasion.
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