Caravan Club Non Insurance Policy
Comments
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On the actual policy documents that you get if you accept Caravan Cover it states that whenever a caravan is left unhitched it must be immobilised or protected from theft by use of a hitchlock, wheel clamp, heavy duty chain or alarm system. There is no mention of "one of the following".
If it needs all then it should be worded by use of Hitchcock, wheel clamp heavy duty chain and alarm system not or alarm system. Also you get a discount if you have an alarm system
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It is a requirement of cover that whenever the caravan is left unhitched from a towing vehicle it is immobilised or protected against theft or unlawful removal by the use of one of the following: a hitchlock, wheel clamp, heavy duty chain or immobiliser or an alarm system
The above is the t&c’s for the club cover. When I took out the policy on my new van, I ticked the boxes of all the security devices I use.
My reading of the policy is that when unhitched I only need to use one of the devices I nominated
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And the same for me in all respects.
I think the more you tick, the less the premium.
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To be fair, I haven’t studied my cover document.
me neither, i go on the assumption that if i buy cover from a reputable company and tick all the main boxes all will be fine, to be honest have never had more than a couple of claims for insurance compensation in my whole life and never had a problem
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Which is what we thought as that is what it says in the policy booklet, but the documents that come with the policy state different and indicate that all the security devices should be used or an alarm.
This is copied direct from the documentation that came with the cover;
Are there any restrictions on cover?
! Commercial use of the caravan is not permitted
! Whenever a caravan is left unhitched it must be immobilised or protected from theft by use of a hitchlock, wheel clamp, heavy duty chain or alarm system.
! Where a part is obsolete and unobtainable, the most we may pay is the last known list price and appropriate fitting charge.As said they need to go back and rewrite their documentation.
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What would a court of law make of that
Who wants to take CMC to court? I thought that CMC cover allowed 3 hours left unattended without security? Or is that just on site? Somebody posted that it was 8 hours - I dunno. Surely it says on the cover documents.
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its a good point, but if not, you can always cancel once you have received and read your cover document, that is if you read it, but would suggest if you never read the old one your are not likely to read the new one
wouldnt particularly chance leaving my caravan in a service area for e.g. for 8 hours without putting a lock on it, so the non 8 hour change is probably a change for the better 0 -
+1
I though the old 8 hours was far too lax anyway. How can anyone think it's a good idea to leave a caravan unprotected for 8 hours is beyond me.
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I think they have, you must have an old copy?
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Read it proper and look how it is puncuated. And nowhere does it state that you have to use them all. As I stated I phoned up and was told that you only need to use one unless you have had the discounts for using the other security devices.
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I can tell you why I didn't if it is of any interest?
I had been using insurance via the club for very many years. I renewed on 3rd December 2018. I was aware that the club was now offering cover rather than normal insurance. When I got my renewal quote I was aware of very little change in the general cover offered. I did not think further because I had other concerns at the time with family, health concerns, and having a lot of other things that were pressing. After Christmas I did not think further as there was other things and it was not something that I thought of further. For some reason during October this year I reviewed the cover and any considerations. I decided then that it was not for me. The caravan would not be used again until after cover had run out - we are away mid December; and so preffered to go elsewhere then.
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