I have the caravan insured with Caravan Guard and I have car and caravan recovery service from the RAC. I think the caravan is insured for 80 days travel in Europe but we are not covered for bringing the caravan back. It is both drivers' names but there is no way I want to tow the caravan if OH had a problem and I actually (dreadful in this day and age) have never driven on the motorway, OH and myself are quite happy for him to do it. It seems quite a lot of money to pay out and I am wondering if there is a more comphrensive or better way to insure us and the outfit. When talking to various insurance/recovery companies, they baffle me with science!
Isn't Mayday specific to caravanning, via the Caravan Club? Might be worth a comparative quote to do everything under one roof. People speak highly of it.
Thanks for info. Will contact Mayday as you suggest. I thought they were just a caravan rescue insurance belonging to the CC, it would be ideal if they do a car ins/rescue and the same service for caravan ins./rescue. We are just about to renew our CC & C which we like because they take deposits (old chestnut) but may have to change if it is members only for Mayday.
I have read the posts on here about the various companies but it seems that nearly all of them give a mixture of good and bad service.
If you get your breakdown/recovery insurance with your car insurance you you find some include recovery of both car & caravan UK & continent. If you are over 50, SAGA covers both but some others do as well.
I understand that you are a member ot the RAC recovery & also a member of the C&CC ? if so why do you not join the C&CC Arrival recovery scheme,Which is run by the RAC & will give you full car & caravan recovery This is as good or better than the CC recovery which is run by Green Flag
If you are still with the RAC tell them you are a C&CC member & they will transfer you to the Arrival Scheme
The scheme's run by the RAC via C&CC, & the scheme run by green flag via the CC are very much improved over what you get by going direct to the respective Individual recovery company's as they are specific to caravaners
I have to say we have had really good service from tyhe CC Insurance. I know the scenario is different, but we had our previous van stolen in May. Not only did they replace the van, no quibble with new for old, like for like, but we had market value for our contents. The loss adjusters accepted all my figures and recommendations, even down to where we would like to collect the new van from - and we were not on the all singing dancing policy (i.e we did loose a little on wear and tear for contents, but all my figures were accepted, but I have to sday, very fairly worked out). As far as insurance companies go, I feel that we were treated very fairly and with integrity and would not hesitate in recommending them.
David is it true that insurance companies will only pay out on contents if you have a receipt for every item?
I read something on here saying so, not long ago, it got me worried when putting stuff in our new van, I have made a list of everything, but don't have receipts for all of them!
Quote: Originally posted by mzzy on 13/9/2009
David is it true that insurance companies will only pay out on contents if you have a receipt for every item? I read something on here saying so, not long ago, it got me worried when putting stuff in our new van, I have made a list of everything, but don't have receipts for all of them!
Not necessarily the case Mzzy - at least not with the CC. They asked me for as many receipts/ photographs as possible. Out of about 200 items, I could only find 2 receipts. I also sent photos of the inside and outside of the van and of our storeage facility, from which the van was stolen. I did send a very detailed (and accurate report of what was in the van, the approximate date of purchase and cost when new. I also provided an estimate of how much (in my opinion) it would be worth taking into consideration wear and tear.
Now I did spend a long time on it and was (i) very accurate and detailed, and (in my opinion) (ii) very fair. I think they appreciated this. I think with the CC, if you are as fair as you can be with them, they will be as fair as they can with you. This is my experience, but I cannot vouch for other companies, or how insurance companies would treat other individual cases. (Sorry about the underline!! )
Of course, you need to make sure that you are properly insured. New for Old means you have to have your van insured for how much it would be to replace it. e.g. if you brought your van in 2007 for £11,000 but to replace it today would cost you £14,000 then you need to be insured for £14,000 (not £11,000). Also, you need to check the difference between contents and equipment. Contents = stuff that can be taken out the van and used on other occasions e.g. clothes, chairs, tables, cutlery etc. Equipment is 'fairly' van specific = awning, gass bottle, aquaroll, hitch lock, wastemaster, groundsheet. etc - these 'equipment' items have to be added on to the '£14,000' and should be at replacement cost (for example, if your awning cost £700 in 1997 but £900 now, you should add £900 on th the '£14,000' - and the same for the other items. Don't forget to include the motor mover as part of equipment. The total value of the van (for insurance purposes is the Recommended Retail Price - not including any discount. (I don't think you have to be insured for 'delivery charges - usually about £475 fo a Bailey van, but it's worth checking). Similarly, if you are insured new for old for contents, you need to be insured fo the cost to replace these items and not for the amount they originally cost you. The other thing is that if your renewal policy is in, for example, July, the prices should be current in July, but increases in prices are automatically covered. e.g. If, to replace your van for new in July, it would cost you £14,000, but your van was stolen in the following May. In May, the equivalent van might cost £15,000 because of new model/price increase. If to replace your van would now cost £15,000, you would still be covered for £15,000, but would need to up your level of cover the next July.
I encourage everyone to read their policies carefully and to review, with their insurance company the degree of cover required annually at the time of renewal.
Now that we have our new van () , I have vowed to keep receipts so that it will make the process easier if ever I have the misforture to have this happen again. I have to say the CC insurance was probably as good as it could have been.
Sorry if this post is a bit 'picky', but having had the experience of having a van stolen, I have looked at all these things in relation to the Caravan Club insurance, and this is my personal understanding of the situation.
Just to add.... The whole thing has been a very steep learning curve. We had things fairly well sorted out before the incident, but I can imagine that there are those who would think it was either not going to happen to them, or that everything would be alright in the end. It was quite a stressful process. Sorry if the previous post was long, but having gone through this process I felt I just had to share my immediate thoughts.
Thats fine, I have just insured with C & C Club, as not renewing our C C.
Van and awning ok but not sure I have insured the rest enough, it is new for old, but only insured the equipment for £500 and contents for £500, we are minimalistic campers, so don't have loads of stuff, but as you say a mover can be nearly a grand, and everything is so expensive - spare wheels, gas, hook up leads, battery and on and on, lol Think I will make a new list and price it all up!
Quote: Originally posted by mzzy on 14/9/2009
Thats fine, I have just insured with C & C Club, as not renewing our C C.
Van and awning ok but not sure I have insured the rest enough, it is new for old, but only insured the equipment for £500 and contents for £500, we are minimalistic campers, so don't have loads of stuff, but as you say a mover can be nearly a grand, and everything is so expensive - spare wheels, gas, hook up leads, battery and on and on, lol Think I will make a new list and price it all up!
Mzzy - my comments were specifically to do with the CC insurance. It could be that the C&CC do things differently.
Some companies insure the van and then equipment/contents (together). Some companies insure van/equipment (together) and then contents (like the CC club). There are probably companies that seperate Caravan, equipment and contents, and possibly those that lump everything together too. It's worth just double checking the policy and then confirming with the company which your insurance company do, then if necessary adjusting the amount insured accordingly. I'm sure they do this just to catch us all out! I shall certainly be checking everything every year just before my renewal date in future.
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Topic: Insurance
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Think I will make a new list and price it all up!
