Touring caravan insurance
This is a fellow warning to all our fellow caravanners out there to check the small print on your insurance policy. We were insured with Eversure Insurance company and they have rejected our claim because they are stating that at anytime the caravan is disconnected from your vehicle or unattended it must be fitted with all security devices listed on your policy. So if you are away on a club site or cl or commercial site you must ensure you have all your security devices with you and fitted. You must also somehow prove that they were fitted as your word will not be good enough
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All insurance policies require the security devices you state you have to be fitted to a greater or lesser degree. Its unlikely that the devices can be removed without causing some damage to the area in which they were placed or that the thieves will take them as a momento of their work. All I can see that an owner can do is keep the damaged security devices, take photo`s of the resulting damage to the devices/van or take a photo timed and dated to show the van with the devices fitted on the premise its unlikely you would bother to remove the devices again until moving the van.
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As above, the club's cover states:
Security condition
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 hitch-lock, wheel-clamp, heavy duty chain or immobiliser or an alarm system. (This does not apply when your caravan is in for a service as long as it is
stored in a secure compound.)Although the conditions for my storage area also says there must be a hitch lock and wheel clamp.
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The butchered remains of them will be left behind on the ground where the caravan used to stand.
How do you prove you locked your car or the front door of your house when you went out? You don’t need to prove you complied with the set terms but insurance investigators will soon prove you didn’t if that was the case.
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It would be the first time the loss adjuster had come across a tidy, considerate thief. Of course not only would they still decline your claim but also put you on a blacklist for trying to defraud insurers.
Of course I realise you were only joking MM.
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