It's always good to share info. That way we can all benefit from a little knowledge
Having purchased a new caravan i've just got it insured to value of £13950 on a new for old policy including the motor mover valued at £650. I paid £199 for fully comp cover, it was the best price i could find and was through Scenic Insurance underwritten by Lloyds.
Breakdown cover for car and caravan including home start but NOT european cover was £54. Caravan must be hitched to the car to be covered. Got this through Insurance Choice Breakdown.
I worked mighty hard to save a few quid here, i just hope it was worth all the effort. Any expert opinions on the above ?
That's a good price but what happens if you are on site and you go out for the day in the car and you happen to unfortunately break down in the car? They will only recover the car so the caravan has to be recovered independently which is not cheap to have it transported back home on the back of a lorry. They will only recover the caravan if it's actually attached to the car so that's why I joined the RAC with their 'arrival' cover policy. If your caravan is on site and you go out for the day they will recover both car and caravan providing your car is within a 75 mile radius from the detached caravan. You may be saving in the short term but if the unfortunate happens then it could be rather costly in the long term.
the points made by Tango55 are extremely valid especially if you ever travel abroad I know from bitter experience. one other point, are you aware that you must insure your van for the current new purchase cost every
year in order to maintain the new for old element.& in the case of accidental damage they will want to repair the van even if the repair cost exceed the market value of the van. nothing wrong with that, but many folk fail to understand.
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I would want caravan cover too as per Tango's post. Does the breakdown do onward cover also, i.e. take you to your destination and then bring you back in the event your car breaks down?
Mmmm....I get what you all are saying. The breakdown cover does include a choice of onward journey or return home but granted the caravan which has to be hitched is a negative, however I will never break down now I'm covered ......the insurance though I thought was a very good deal in comparison to other quotes I got !!
Quote: Originally posted by p at ul on 06/2/2013
Mmmm....I get what you all are saying. The breakdown cover does include a choice of onward journey or return home but granted the caravan which has to be hitched is a negative, however I will never break down now I'm covered ......the insurance though I thought was a very good deal in comparison to other quotes I got !!
How much contents cover have you got, i.e. awnings and other caravan stuff which includes your battery and gas bottles which are not part of the caravan.
Awnings, battery and gas bottles are equipment, not contents, and should be added to the caravan price for insurance purposes. Contents are things like pots and pans, crockery etc (and the tv if you take one) and are quoted for as a separate item. Things like clothes can be covered under your home insurance but you must ensure they are covered as in "items taken away from home".
Quote: Originally posted by Mrs. Bonce on 07/2/2013
Awnings, battery and gas bottles are equipment, not contents, and should be added to the caravan price for insurance purposes. Contents are things like pots and pans, crockery etc (and the tv if you take one) and are quoted for as a separate item. Things like clothes can be covered under your home insurance but you must ensure they are covered as in "items taken away from home".
I think this is incorrect as when a caravan is replaced you get a new caravan and not the add on bits like battery, gas bottles and other caravan contents like waste master etc.
You have two types of contents cover on a caravan. One is for caravan related contents like awning, gas bottles, motor movers etc and the other is for personal contents like pots and pans, TV etc. Personal items or belongings like clothes should be covered under household contents.
If your caravan costs £14,000 brand new to replace and you have it insured for £15000 to cover caravan contents, the insurance company will only pay out the £14000 for the replacement caravan. You will then have to pay yourself to replace the caravan contents mentioned.
If you are unsure, please read your policy again and query this with your insurance company as you may have the caravan over insured and caravan contents under insured.
We are with the CC at present, but we have always had this with all caravan insurance policies in the past.
Have a look at the CC website under insurance and finance, it specifically states that awnings etc are covered under equipment and barbecues, pots and pans etc under contents. I actually think it's a grey area but that's what the CC says.
And surely if you have your £14,000 van insured for £14,000 to replace the van and £1,000 for contents then you will get a separate cheque for £1,000. You have to specify this of course or it aint going to happen.
Quote: Originally posted by Mrs. Bonce on 07/2/2013
Have a look at the CC website under insurance and finance, it specifically states that awnings etc are covered under equipment and barbecues, pots and pans etc under contents. I actually think it's a grey area but that's what the CC says.
And surely if you have your £14,000 van insured for £14,000 to replace the van and £1,000 for contents then you will get a separate cheque for £1,000. You have to specify this of course or it aint going to happen.
Appears we are talking at cross purposes about the same thing and may have misunderstood one another. Equipment cover is never included with the caravan value and is separate for obvious reasons. Equipment cover should cover caravan related stuff like battery, gas bottles, awning, motor mover including TV if caravan came with one etc as you correctly say then there is contents cover. Contents refers to stuff like TV, satellite equipment, pots, pans etc.
Basically I guess the question should be whether OP has equipment and "contents" cover excluding personal contents cover.
I think we are! but don't you have to add the equipment value to the caravan value for insurance purposes, or am I missing something? It does say in the policy "caravan and asociated equipment" (or words to that effect).
Quote: Originally posted by Mrs. Bonce on 07/2/2013
I think we are! but don't you have to add the equipment value to the caravan value for insurance purposes, or am I missing something? It does say in the policy "caravan and asociated equipment" (or words to that effect).
If included with caravan value and a waste or water container are stolen, it creates difficulty when claiming and may affect your NCB.
Generally it is divided into 4 categories, i.e. caravan replacement value, associated equipment and then contents. The 4th is if you want personal cover in case you don't have household contents cover.
I never knew this until we had an issue with a renewal on a caravan and I started querying what was covered and what was not. Breaking it down, actually reduced the cost of the policy as the replacement value of the caravan was lower by nearly £2000.
Don't think you are being thick as far as the CC insurance goes the sum insured has to cover the cost of the van and the equipment. It's always seemed odd to me! As for claiming for water container (as above) any excess would no doubt preclude claiming.
Sorry, still being thick! I was all set to add on an extra £2,000 to the insurance cost for equipment, but you seem to indicate in your post above that this is not necessary as the CC won't pay out for it?
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Topic: Caravan insurance and breakdown cover
......the insurance though I thought was a very good deal in comparison to other quotes I got !!
