CAMC Insurance
In the early hours of 11th November, we had our 4 month old, top of the range twin axle caravan stolen by a gang of five very “professional” thieves carrying massive crow bars. They all wore balaclavas, and totally ignored the cctv cameras dotted around the storage site. They smashed through electric barriers, and gemmied off wheel and hitch locks, on both ours, and another similar nearly new caravan, removing the alarm and tracker boxes leaving them on the ground. They then drove off into the night using two vans with no number plates. The police followed up, reviewed the cctv footage and declared there was nothing further they could do. Luckily we were insured new for old with the Caravan Clubs insurers, and their treatment of us and our claim has been absolutely first class. Their Loss Adjuster was very supportive, and gave us complete confidence. As a result, four weeks and three days from the day of the theft, payment was made in full,and we have our replacement 2020 model arriving in January. I could not recommend the CAMC insurance highly enough, they were absolutely magnificent.
Comments
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While sad to hear you had your caravan taken like this it is excellent to hear that the club insurance came through so promptly.
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That’s a good outcome from a bad experience, Nicho. I hope you have many happy trips in your new van and I don’t need to ask who you'll be insuring it with.
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Nicho, I'm sorry to hear your story, but I don't rate taking four weeks and three days to settle such a genuine and simple insurance claim as particularly good. I have had quicker responses from elsewhere.
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You may well be correct, however i think there will still be plenty of people out there that have bought CC cover thinking they have bought insurance. No evidence just an opinion.
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The OP had their 4 month old van stolen in November and if I recall correctly I got my caravan cover on May 8th so it seems likely they also had cover. Could be wrong of course
PS just checked my emails and the heading spells it out as Caravan Cover
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Indeed as this was taken out in 2018 it will be cover.
A rose by any other name would smell as sweet.
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irrespective of how much you pay for your insurance or the guarantees given by the said insurance, the "proof of the pudding is in the eating" do hope you are not disappointed with your choice if it should come to the eating, or you might be eating humble pie , happy christmas
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Insurance terms that I have read all say 'will pay' and not 'may pay' although that of itself is of no concern to me with regard to CMC. Please research more before making such unfounded comments lest somebody assumes that you are correct.
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And I am what JVB ?
If the insurance company applies it's 'discretion' wrongly then that is what the financial ombudsman is there to adjudicate on and correct as appopriate.
When a company says it (may pay) in their paper work it is nowhere near a crime. It is because they are selling unregulated mutual cover. As I said earlier I believe that CMC offers a good product but not what I wished to buy.
I've said my piece. Don't exaggerate my words or meaning.
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From my club policy document:
If you cannot settle your complaint, or it remains unresolved, you may be entitled to refer the matter to the Financial Ombudsman Service (FOS). Further details of the FOS may be obtained by contacting them on 0800 02364567 or by visiting their website
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You may be? Or you may not be? So either statement applies!
Certainly, as far as I can ascertain, the CMC has, in the past, said that this may be possible with regard to the company providing the CMC's policy which, however, comes into effect in the event that CMC cannot meet financial commitments. Certainly there has been no great clarity there from the club. My understanding is that the financial ombudsman does not regulate mutual cover schemes and hence why they are described as unregulated..
With a regulated insurance you are entitled to refer disputes to the Financial Ombudsman
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