A Good Way To Increase CL Numbers?
As a CL one of the benefits of being with the CAMC is we can purchase simple and cheap Public Liability Insurance through the Club for the site, which made it so easy for us. As I understand it, that support (and their buying power) is now to be ended. I guess CLs will be left to fend for themselves with no doubt an increase in the premiums.
I hope this is not an example of how CAMC values their CL network! This may push some older CL owners to consider closing as they will be faced with spending more time searching around for insurers. I hope we don't see the network drop below 2200!
Comments
-
That sounds a bit strange. It would be good to hear the club's reasons for stopping this and, to that end, I’ll report your post, J57, so we can maybe get an official response. 👍🏻
6 -
"Stand alone" Public Liability Insurance can be very expensive as Insurers charge minimum premiums.
Can you not get together as a group and negotiate a discounted rate? Don't know what timescale you've been given to sort out your own cover. Do all CLs pay on one certain renewal date? If so a decent insurance broker may be able to negotiate a group discount if they are allowed access to the CL owners list.
Obviously some owners can simply add it on to any existing cover they may have, such as farmers or pubs etc.
Very dismaying news though that the club seem to be making life more difficult for CL owners.
8 -
It would be good if a representative of the "club" could either deny the fact or if confirming it they would explain the reason behind the decision..... although I don't imagine for a minute that we'll get any sort of meaningful response from them, as is the usual case. However I'm sure JVB will be able to put a good case for the CC's decision whatever it is.
1 -
I have reported your post, in the hope of some one responsible for this latest poor decision, which I am sure it seems, will not have been given much thought to the long term consequences on the CL network, which in some cases, will mean the contraction rather than expansion of the CL portfolio, with , as club sites, costs are ever increasing
,0 -
Yes, already done that 🙄
0 -
When existing policy renewal date comes up will have to look else where I guess and as not part of a farm/pub will be looking for a stand alone policy.
Getting a group CL discount maybe a possible way to keep costs down. Its all time and effort for someone!0 -
If you have a big enough group, even if it's only in a part of the country then I can assure you that you should be able to get a decent Insurance Broker to look for a quote for you.
Maybe have a word with Ted at Cholsey Grange as they have quite a few in their group. The more the merrier.
It's the type of thing that I did when I was working.
Can I ask how you are certain about the decision? Has the club written to you giving you all a timescale. If the club arranged the group insurance then I really cannot see why they would abandon you like this. They are not only going to make CL owners unhappy but risk alienating a small but significant section of their membership if we see either CLs leaving or fees being hiked as a result of increased overheads.
I can forsee many an email from members heading to EG for an explanation. I don't think the club realise just how much indirect income they derive as a result of having the CL network in place. If they do then they are being very cavalier about looking after it.
5 -
That could well be the case, but without doing deep research, or phoning up a particular site that has closed and one you want to visit there's no easy way of finding out. They used to print the reason for a CL closing in the club's magazine but no longer do so, hence eliminating a source of information concerning the site.
0 -
It does appear that nearer the time that the CLs policy is due to expire that a Insurance Services Company (who the Club has had a long standing working relationship) with will contact the CL to offer a replacement policy and can also offer options for additional cover. Cant wait maybe cheaper?
0 -
Hi All,
The Club has not actively decided to stop selling the public liability insurance for Certificated Locations. Unfortunately the underwriter of the public liability cover we were providing for Certificated Locations (Amlin) is pulling out of this market and therefore we are not able to continue providing the cover we have to date.
The broker that sourced the cover we had been selling, and another broker we work closely with, were both unable to find alternative public liability cover for us. It seems this is because most of this type of business is underwritten by Lloyds syndicates, and changes within Lloyds alongside the size of the scheme has meant many insurers are not interested and/or able to provide the cover now.
However, Devitt Insurance Services Limited, who provide some of our personal lines cover for members and with whom we have worked for many years, have managed to source cover. Added to this, they are able to provide other types of commercial insurance cover, such as employee liability and professional indemnity insurance, which may be needed by some CL owners and be better value purchased together. As Devitt are able to be more flexible in what they can provide, CL owners will need to contact them directly to get cover.
We will be writing to all our CL owners to advise of the changes over the next few weeks. Unfortunately we were given very little notice of the non-renewal of the scheme, hence we’ve been unable to send all the letters out in one go.
I hope this answers the questions raised. However, for any CL owners who have any specific queries, please do contact us on 01342 336706.
Thanks
Maddie
4 -
Thanks for the explanation, Maddie.
It seems it's not a situation of the club's making.
0 -
Thanks indeed Maddie for the update.
I see I have had a post Deleted User. Can’t recall what it said, but apologies to J57 if it was off track or something else
1 -
Thanks Maddie for the explanation. Hope that the new insurer is not a lot more expensive than the old one, and that CL owners can sort out a policy that suits them with their budgets.
1 -
This is indeed unfortunate news.
Public Liability Insurance (PLI) is one of the annual costs that all CLs need to bear no matter what. Failure to provide a certificate to the Club will mean the revocation of the certificate.
I have heard of at least one CL that feel this may be the straw that breaks the camels back, and are now considering whether to close their CLs.
Many CL owners (like myself) have insurance with other providers and PLI is just one aspect, so we are not affected, but by my estimates around 50% of CLs were insured via the club.
The CL Owners Group is actively looking for an alternative provider of insurance. Whilst PLI is important, as Maddie alludes, insuring against other risks may also be of interest to CL owners. Not least the issue of dealing with unwanted visitors (sometimes paid-up club members) who seek to set up camp and are likely to cause trouble. Getting rid of such people can be extremely costly and some insurance to cover this risk would offer peace-of-mind to vulnerable CL sites that may not have the luxury of electric gates etc.
Lets hope an insurer comes forward offering a cost-effective and 'fit-for-purpose' package.
3 -
How can the club have shot itself in the foot when it’s the insurer who has pulled out rather than the club dropping the insurance provision? 🤔
0 -
Did you not read Maddie's post?
"Unfortunately we were given very little notice of the non-renewal of the scheme, hence we’ve been unable to send all the letters out in one go."
0
