awning and insurance

Parksy

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Nov 12, 2009
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Hi everyone looking for some advice my awning was badly damaged by high winds i have it fully insured through my caravan insurance new for old under 7 years the awning is around 3 years old i do not have the receipt for it any more will the insurane require this also did not bring all the awning home will this matter was just going to buy another but at nearly £900 its not cheap thanks for any help
 
Mar 2, 2010
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They will probably want some form of proof of purchase,card statement,bank statement etc.When we claimed for a camcorder they were OK with card statement.
 
Mar 14, 2005
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Hello Leanne,

I trust that Deli Daves suggestion will be sufficient for you to claim, but you really need to check the terms and conditions of the policy you have.

Each policy has to be issued with its terms and conditions, as they form part of your contract. Just because one company may accept a credit card statement, does not mean they all will.

If no specific instructions are given in the T&Cs, then reasonable evidence of the purchace such as Credict Card receipt or statement should be sufficient.

Best of luck
 
Sep 4, 2011
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I had mine wrecked by high winds on cliff top site at woodhill east runton 6 years ago and my awning was discontinued.I rang SAGA they told me to get quote for equivalent replacement they said they did not need to see old one so i disposed of it.White arches caravans sent them a quote for new one,they made check to white arches and i collected new awning, there was never any proof of purchase asked for.
 
Nov 6, 2005
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Are insurers happy for caravanners to leave awnings up in exposed places during high winds and then pay for the inevitable damage - or is it reasonable to expect caravanners to mitigate their losses by taking awnings down when high winds are forecast?
 
Mar 14, 2005
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Hello Roger,

Insurers will try to limit any liability they have, but just as they point to the terms and conditions when they reject a claim, equally they have to abide by the their own terms and conditions.
As ever it is important to read the T&C's to confirm what is and probably more importantly what is not covered. Some insurers may exclude awnings from their standard cover, but assuming your policy covers awnings then unless they specifically state in the T&C's the owner responsibility to protect the awning from exteme weather (and they would have to specifiy the definition of extreme weather), they could not resist a claim, unless they can prove fraud.
 
Nov 6, 2005
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John - yes, I understand that's how policies are worded - I just find it strange that ANYONE leaves the awning up if damage is likely, bearing in mind that a well-erected awning will withstand well above gale force.
It seems to me that some, only a minority, are expecting their own shortcomings to be put right by their insurer - no wonder we all have to pay so much!
 
Mar 14, 2005
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Hllo Roger I do agree and hope that most reasonable people would take care to protect their property, negating the need to claim, as after all once you have made a claim, then its likley you will end up with a reduction or loss of any no-claims bonus you may have aquired.
But I would hope that if there was no reasonable way of knowing a damagaing storm was comming, or circumstances prevented you from taking the awning down, then that when insurance comes into its own, and I hope that companies would not be obstructive to such claims.
 

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