Caravan Club Non Insurance Policy
Comments
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I assume that legal proceedings may follow if an agreed sum cannot be reached but in any case the club would still indemnify you.
One would hope so but I am not to take any cover with an 'insurer' that uses the phrase May indemnify
I have as if they do not and I have agreed that there word is final and my only recourse is to the FCA who might well consider that CMC were within the terms of contract as it states in info that it is a discretionary payment which may be paid.
Very strange indeed. I agree that from a purchasers point of view that the wording is very strange but also some of the statements made have not given clarity
If you are talking about not having your own sum insured agreed upon then I suggest you deal through an experienced broker and maybe take out separate independent legal expenses cover from that offered by the club as they wouldn't sue themselves. As I said before if you are not happy then place your cover elsewhere.
Far less concerned on that aspect
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And checking on that clear disparity in statements is nit picking?
It is when the disparity is so small. I think that normally AD uses only a few UK sites. This year I believe that he may have used a non facility site for several days in order to test out his new purchase. So this year was an exception. In the past he has stayed, typically, on two sites for a single stop to break his trip to the ferry, I believe that, like me, he is away for around 120 nights a year. I agree that his typical 2 nights on a CC site in transit is not no sites but as a proportion of 120 nights is extremely small and the cost is not a great issue and so is insignificant and hence why I think it 'nitpicking' to search out such minutiae to try and score a point.
The bait was trolled but I think that, on this occasion, the fish spat it out
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It is even harder to believe that some posters loyalty to a commercial organisation transcends any doubts that most people would have. Would these same posters extend this belief that they are doing you a favour to companies like Amazon.
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well i have been around the block a few times and still living to tell the tale, but you know what, if you dont like the product, state your reasons, as you have done, and walk away, simple serves no purpose getting all steamed up about it on here, your experienced enough to know by now that the club takes precious little notice of what is said on this forum
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The issues that need to be addressed urgently is separation of the Caravan Cover team from the insurance team
I don't see a great problem here as the same team are responding to any e-mails initially.
Also for it to be made very clear on the website and during a phone call that it is NOT an insurance policy and is nt regulated as an insurance policy.
The info is on the website but, in my opinion. could give more context. I am however surprised that the info is not given when calling. It is 12 months since I last called regarding taking cover and have no recollection.
It is only the avoidance of the 12% insurance tax that allows the CMC to offer a lower premium. For me there was no significant cost difference. I suppose that the 12% saving benefits the CC
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In other words the CMC are now tax dodgers
You are showing your prejudice and hostility against the club with that statement and sadly ruined your whole post, and shows you are clutching at straws to get your points across. Incidentally there are more expensive covers/insurance than the club's.
The club has recently had a tax visit/inspection. HMRC know what is happening, You cannot dodge something you do not have to pay.
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And as I said there is absolutely nothing wrong with that, you (one) looks at the evidence and makes a decision for themselves.
Why that should be challenged or even commented on is just extremely puzzling?
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(read post for emails)
For many pages you argued that CC Ltd would not indemnify regardless...
you are just making this up. There is no point in any further discussion.
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Just to clarify a couple of points that have arisen.
Importantly there still seems to be confusion about the ability to use the Financial Ombudsman Service (FOS). To reiterate, access to the FOS is available on the Caravan Cover we provide.
Because the cover is under a Discretionary Mutual, the cover wording can’t use the terminology ‘we will pay’, hence this was changed to ‘we may pay’. However, the insurance the Club has put in place with Builders Direct S.A. provides protection for our members with caravan cover to make sure valid claims are paid.
Should anyone have any concerns around the Group Insurance Policy the Club has put in place to provide protection for our members with Caravan Cover, the Group Insurance Policy wording is available on request (please call us on 01342 336 706).
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Hopefully, that will put the lid on it.
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When it is stated that the financial ombudsman can be involved in the instance of dispute then I would consider CC Cover but until that is made specifically clear within the Cover documents I am not prepared to take notice of somebody selling the product - why would I when I can clearly achieve the same cover from a respected insurance for the same price??
The only statements that I have read say that it may be possible to involve the ombudsman. No statement in the document that clearly says that the 'insured' can involve the ombudsman in the case simply of a dispute over a claim or its valuation. The documents do say that bridges insurance MAY be able to be taken to the ombudsman but under what circumstances. If bridges provide a proper insurance - which no doubt they do- there is nothing given in the documents to give details of the cover that we supposedly are able to claim on in the case of a dispute rather than an inability to pay out. As Bridges are an Insurance provider and if a third party is able to take them to the FOS I see no reason why the Cover documents do not clearly state so. Another point is that some 9 months ago I reviewed a number of the Ombudsman's case decisions but did not once see reference to a third party taking a dispute to the Ombudsman.
As far as I am concerned sales team''s reassurances that do not appear clearly within the Cover/Insurance documents are non existent and purely sales patter.
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Just read this on another forum:
Just noticed the following on the CMC site :-
"Please note:
Effective as of 2pm, 15 Nov 2019
As a consequence of the extreme weather conditions being experienced across the country, The Club has considered it prudent to implement the following temporary measures, applying only to members purchasing new caravan cover in relation to flood cover. The Club will continue to sell caravan cover but exclude any claims that are caused by or due to flooding where the caravan is stored or located in an area that has been the subject of:• A severe flood warning
• A flood warning
• A flood alert(Issued by The Government via any of its agencies*)
In addition the Club will exclude any claim caused by flood damage on any new cover purchased within the following geographical areas; specifically at or near
South Yorkshire, the Lower River Don Washland
The River Derwent, Derbyshire
The River Trent, Nottinghamshire
In more general terms; South Yorkshire, Lincolnshire and the Midlands.*The Environment Agency, Gov.UK, Scottish Environment Protection Agency, Natural Resources Wales and Nidirect.gov.uk
The Club will keep these measures under constant review and when the extreme weather conditions abate remove the restrictions."
As we live in one named area, have the caravan stored in another and are due to visit a third named area very soon, I'm glad we didn't take out this cover (because we wouldn't have been)
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applying only to members purchasing new caravan cover in relation to flood
flood damage on any new cover purchased within the following geographical areas
It only applies to new purchases of this cover, you (one) would have been covered if you had bought your cover before the said date and time.
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applying only to members purchasing new caravan cover in relation to flood
Can't see anybody purchasing or renewing until that changes. So with renewal due soon I would have gone elsewhere anyway
That was well publicised ...... somewhere other than their cover webpages
Ah I see it is down the side on CMC webpage. it only effects renewals or new cover. I wonder if those about to renew have been informed? I have already arranged cover elsewhere as I am soon to renew. If I had not already decided to jump ship I would have done after that announcement. It is one thing to impose that on new business but, in my view, not on to impose it on existing policies at renewal
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