Caravan Club Non Insurance Policy
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agreed, so much hot air, it is no different to household insurance if you live in areas that may be affected by flooding, and there have been many instances this week in the news where householders on checking their insurance found to their horror that they had no cover as a clause had been inserted into their policy document that they had not read or obviously not been informed about.
at least the club have made this statement
The Club will keep these measures under constant review and when the extreme weather conditions abate remove the restrictions."
not sure your household insurer would be so generous, even if you had a 10 year drought in your area after flooding just the once.
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If anyone in an affected area is about to renew they are going to be in a very difficult situation trying to get alternative cover
Maybe David but certainly they may look elsewhere. I would not renew with no guidance as to how long this 'state of emergency' decision might pertain as, even though caravan is high and dry in storage I do tour. I am somewhat surprised that the club has aimed their decision at renewals and not just at new business
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but you and a couple of others have told us on many occasions that your are not renewing your club insurance. We get it you dont need to keep reiterating the fact, probably someone in the club insurance is breathing a sigh of relief. Those of us that read these posts do so to keep informed of new events etc that may be taking place, not to continually read you are leaving, and your previous bad insurance experiences used as examples as to why, but i hope you are very happy with your new provider, bye bye
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No one is forced to read them or post.
wow - imitation is the sincerest form of flattery
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Those of us that read these posts do so to keep informed of new events etc that may be taking place, not to continually read you are leaving, and your previous bad insurance experiences used as examples as to why, but i hope you are very happy with your new provider, bye bye
As David said don't read if you don't wish to. If you have nothing to contribute that's fine as there are other threads that you may wish to read.
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Hopefully, on re-reading it may not affect renewals? Dunno.
What I would expect though is that with such a restriction is that most folk would look elsewhere for a policy. CMC might just as well suspended the sales of new policies until such time as they are prepared to offer proper cover to touring caravans
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I am trying to find the link on this website to the statement about flooding? Not having any luck?
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Seems very strange. Lots of areas of UK flood, some on a very frequent basis.
That Caravan Storage place near us that flooded badly is CASSOA Gold Standard. Lots of cameras and locks, but precious little flooding protection!
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😂😂😂😂😂😂😂
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Thanks ET. That is one hell of a statement. Any area that has been subject to a Flood warning? I can think of several locations around UK that flood on a regular basis, far more than the areas mentioned. Looks like the Club’s Discretionary Panel is alive and kicking and being used in just as discriminatory way as many other Insurance Policy providers.
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do you honestly think that the club is the only insurance provider that is not carrying out a damage limitation exercise at present. Insurance companies throughout the land will be seeking to reduce their liabilities whether it be home insurance, or i should say particularly home insurance, and those providing cover for RV's etc, they pay experienced people to do this. I feel very sorry for those who have RV's in storage in areas of flooding, but i for one will not be venturing into the areas mentioned with my caravan for a good while yet, and will be keeping a close watch on other possible areas of danger, insurance or no insurance. But it as been mentioned on here before, there will be a certain breed who will have booked a trip and will go whatever the possible consequencies. Caravan parked on a very hard standing next to bungalow and will probably stay like that for the remainder of this year now.
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Glance at a map would give some indication of surrounds ET, however not the severity, frequency or overall likelihood.
Club can add Stratford to its list of temporary bans.........flooding currently imminent.
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If you look at other insurers they warn against using sites/storage that have flooding risks. I don't know how people would stand if they ignored this advice? I presume they would have to pay higher premiums if available. I would imagine a lot of actuarial work is going on to assess these risks and premiums in the present climate.
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We live in SY. Trust me, if where we store our Caravan and MH ever floods, Noah and his Ark will be seen again. Most of County is hills, very big ones. Aside from Doncaster, which is flat, it’s only the river valleys that are affected. As with Severn Valley area.
I haven’t looked, but is MH Insurance affected as well in these areas?
I can see Storm warnings being next exclusion. Puff of wind expected, cover invalid. So much for touring.......
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do you honestly think that the club is the only insurance provider that is not carrying out a damage limitation exercise at present.
I have no idea if other caravan insurers are offering worthless cover as well. Do you know of some perhaps? Maybe that is speculation on your part.
House insurance is a tad different as your home tends to not travel much into areas that one does not know.
But it as been mentioned on here before, there will be a certain breed who will have booked a trip and will go whatever the possible consequencies.
Not all have your depth and breadth of knowledge Rufs nor do all of us check flooding forecasts etc when going to a site. Obviously not a problem for yourself. I have only used Chatsworth once and, as I posted earlier, I would have had no idea that it was likely to flood.
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The "flooding disclaimer" has been included in policy documents for many areas for years , which are expanding , and likely to affect many more people than at present as our now unpredictable weather patterns will increase according to the "ex sperts"
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I know Yorkshire very well, my sister lives outside York, we once almost stayed at a Flower of May site in that area, on a very wet arrival i noticed a very large fishing lake in the middle of the site, checked the weather forcast and asked a few questions at reception and decided site not for me, the site was flooded next day, apparently not all pitches but was not prepared to take the chance.
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I haven’t looked, but is MH Insurance affected as well in these areas?
Apparently not TTDA of the club products in this field it seems to be only their unregulated ones as far as one can tell from their website. It is quite likely that the insurers that they pass business to may decline some insurance but probably based on postcode. However my view is as speculative as Rufs may be in this instance.
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It’s called the Vale of York, whole area floods every year. If the floods don’t get you, the washed away bridges up in Dales and Moors will! 😁
Here is current list of flood warnings just from today. There are a good few parts of England now covered by Flood Warnings
https://www.bbc.co.uk/weather/warnings/floods
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