Apologies for the log post but some of you may find it useful aqs I have included a guideline on weights. I insured my caravan for £21000 thinking it would cover everything including contents. However today I sat down and did an inventory and was horrified at how far out I was with my original estimate.I did my renewal insurance quote 2 months ago thinking that I was well covered on an old for new, until I did a breakdown of everything associated with the caravan itself, i.e. from the factory with extras and then contents. Just to give you an idea;
And this is before the following contents are added;
Sat dish & tripod 2000 Cadac BBQ 12010 Dinner set 252 TV 4005 Bedding 12015 Cordless drill 250 Lantern 15.5 Torch x 2 5.5 Gas lantern 20 .5 Radio 1501 Cultery 201 Pots & pans 403 Awning 95040 Groundsheets 14020 Aquarol x2 866 Wastehog 402 Aqua mains adaptor 43.5 Aqua ext 91 Elec cooler 1900 Fridge vents 20.5 DeLonghi Gas Heater 900 Gas fittings 201 Fire extinguisher 132 Fire blanket 10.5 Metal step 193 Mains ext 244 Mains ext reel 9.5 Mains inverter 600 Wheel clamp 9010 Hitch lock 704 Gas cylinders x 2 5030 Chairs x 5 808 Kettle 15.5 Toaster 12 .5 Microwave 305 Pipes 20.5 Ramps 201 Footpads 7.5 Windbreaks x 2 500 Steady socket 6.5 Wheel brace 5.5 Elec cool box 550 Mains rectifier 200 Storm straps 150 Glasses 201 Personal 12020 Trolley 162
Sub total £3564203.5 Total£244711591.5 kg
Rough guide on weights as a number over estimated but still gives us a margin of about 60 kg as the MTPLM is 1650 kg.Payload is 350 kg.A zero weight means it is carried in the car. Hope this helps some people.
Ah, not yet a dedicated 'vanner then, Bob. We wouldn't part with ours if someone offered what we paid for it. Only a year old now, but already got that comfy pair of slippers quality.
We've only got the van, the awnings and the motor mover on the caravan insurance policy. The rest (contents) are already covered on our household contents policy anyway. No point in paying two lots of premiums for the same items! Having said that, to some extent the awnings are covered twice - depending on whether they are at home, or in use on the van.
Quote: Originally posted by Ulti-Mates on 05/8/2007
Hi
We've only got the van, the awnings and the motor mover on the caravan insurance policy. The rest (contents) are already covered on our household contents policy anyway. No point in paying two lots of premiums for the same items! Having said that, to some extent the awnings are covered twice - depending on whether they are at home, or in use on the van.
Careful because unless it is specified on the householders policy, they may not cover it and thsi inludes cultery and crockery as thyey are not in your normal residence. This also includes water barrels, waster masters and numerous other caravan things. May be worth your while checking with them.
We have specifically got the laptop, TV and cameras on the "Away from home" bit on the hosuehodlers policy
Quote: Originally posted by The 2 Tops on 05/8/2007
Ah, not yet a dedicated 'vanner then, Bob. We wouldn't part with ours if someone offered what we paid for it. Only a year old now, but already got that comfy pair of slippers quality.
Bertie.
I don't think I am Bertie. Seemed a good idea at the time and once on site it's great...it's just the getting there that's the problem, along with maintenance and storage whether I use it or not.
I seem to have taken on more responsibility, more costs, and less freedom with a caravan. I'm hanging on but I suspect I will be back to a tent fairly soon...especially if I can find one which erects in a few minutes or so.
here's another one for you..... i've recently been told that most car insurance break down covers only cover you for a free tow off the motorway etc for cars with caravans less than 6m in length!
well that rules us out!! anyone got more detail on this??
Yep surprising how many people are double insured with house contents covering most things in your van if you ask and sometimes even if you don't Did you also know that some crafty insurance companies will claim from your house hold policy and you don't even get to know about it till your new premium arrives
Quote: Originally posted by Mark + Kirsty on 05/8/2007
Great subject to look into this.
here's another one for you..... i've recently been told that most car insurance break down covers only cover you for a free tow off the motorway etc for cars with caravans less than 6m in length!
well that rules us out!! anyone got more detail on this??
We are with Green Flag, through the C.C. In case of breakdown, car insurance is not involved.
____________________________________________________________ Bob, sorry to hear that you are not as happy with caravanning as you had hoped. I agree that some of the details in actually using the van can be tedious. I think, for most of us, those details themselves become an interesting part of the hobby. We are fortunate enough to keep the van at home; I don't think we would take very well to the hassle of storage (hard to say for sure because we have never been down that road). But the methods of camping are as varied as people themselves. Tent, motorhome or caravan; the most important factor must always be what the individual is most comfortable with. Sincerely hope you find your Shangrilah.
You're going to the wrong places, Bob - or you've got too many people going (leave the kids in kennels or something). Our 2 week holiday cost us £154 in site fees - you couldn't rent a small cottage for that (which is what we used to do) and certainly not get a B&B (do they still exist??).
I do agree with you about the "getting there", though, because my OH hates towing so the journeys are not much fun. But when you're pitched up and you've got your feet up and a glass of something, it's all worth it isn't it?
I don't mind the towing. Admittedly, when we go to Cornwall (a 300 mile trip), we travel overnight on the motorways. The journey is broken into three approx. 100 mile sections, with stops for coffee and about an hours rest in between. Being just the two of us (retired) we do not have kids to consider, so overnight is good for us.
But, as you say Nora, once you are there and set up,the atmosphere and relaxation is great
I am presently paying £20 a month storage. If I go camping once a month for two nights, that's another £32 (2x£16 a night). That's £52 a month it's costing me to go camping once a month. If you add on the extra fuel when towing, maintenance costs etc; etc; and the insurance (if you have any), plus the cost of calor gas etc; etc; etc; I reckon it must be up to at least £70 a month, and I reckon I could get a decent B&B for £35 a night once a month
Quote: Originally posted by Bob™57 on 06/8/2007
I am presently paying £20 a month storage. If I go camping once a month for two nights, that's another £32 (2x£16 a night). That's £52 a month it's costing me to go camping once a month. If you add on the extra fuel when towing, maintenance costs etc; etc; and the insurance (if you have any), plus the cost of calor gas etc; etc; etc; I reckon it must be up to at least £70 a month, and I reckon I could get a decent B&B for £35 a night once a month
I'm sure you could - but a lot of us like caravanning as a hobby in itself and a social activity, not just a bed for the night. I can't imagine there is any fun to be had chatting about B&B's on a forum! 'Practical B&B Magazine' anyone???
However, back to the original subject. I'm happy to entrust the contents to the home policy. Anything not covered - such as the wastemaster, aquaroll etc, I am willing to forgo insuring them. I can replace them from my own pocket if necessary (they came included with my first van anyway) so I just don't think it's worth the extra premium to cover them.
Quote: Originally posted by Ulti-Mates on 06/8/2007
- but a lot of us like caravanning as a hobby in itself and a social activity, not just a bed for the night. I can't imagine there is any fun to be had chatting about B&B's on a forum! 'Practical B&B Magazine' anyone???
I'm not sure I can look upon camping and caravanning as a 'hobby'. Surely, it's just a form of holiday or a means of getting a weekend break. You can only call it a 'hobby' if you're spending all your spare time tinkering with a troublesome caravan or reading up on all the new gadgets and gizmos or something.
At the end of the day, if it wasn't for all the problems, and the need for campers and caravanners to seek help in resolving them, there wouldn't be any forums...and I'm sure the British Tourist Association publishes a B&B magazine - lol.
Amazing family weekend with old steam engines, classic car displays, market stalls, and full catering and bar. And camping on site - Save £25 by booking in advance.
Topic: Do you have adequate insurance?
