Insured but not Insured

[Neil_5041165]

On our second day at Pembrey last week the hot water system sprung a leak at the point which the hot water exits the truma tank heater( Avondale Dart 2003. There is a t connection (red) with a finger tight screw seal. This had worked its way loose. The problem was that the system thought it needed topping up and so emptied the contents of the aquaroll inside our caravan throught out both underseat storage areas - four Sleeping bags and pillows soaking wet at about 7pm. Loads of water damage to the wooden panels and carpet. It has dried out now but left a tide mark where the water had soaked in.

My point is that a phone call through the CC insurance claim line to clarify what needed to be done and they kindly pointed out that the comprehensive cover does not include any thing like this and that whist i had comprehensive cover it isn't comprehensive enough. I've never made a calim in four years of caravanning and when i needed it most i feel let down.

I thought the CC insurnace scheme would be the best there is but i'm not so sure now !

 

[AnnM1]

Sorry hear of your flooding problem and the ensuing lack of 'interest' shown by the CC Insurance Company. Have you read your policy thoroughly and can you see anywhere in writing which states that you are not covered for such a mishap. It might be worth getting in touch with them again to ascertain that the person you spoke to was sufficiently knowledgeable about the case. Or, even worse, are they just trying it on?

Worth a try anyway.

 

[DanPaula]

Did they give a speciic clause or refer you to any point in your policy booklet and explain the exact reason why no cover is there? I have never worked in caravan insurance but have worked in house/car/travel insurance. Because take the example of the recent floods - a flood is a a flood no matter how it is caused. I am pretty sure the recent damage caused by the floods to caravans will be covered unless they are saying it is wear and tear then this could be one way of getting out of paying, however, surely like house insurance they could only refuse to pay to fix the leak but pay for the "accidental damage" that had been caused by the water. Me personally, I would speak to a team leader/manager and speak to no other. And then ask for the response in writing. Each insurer has a complaints process that can be followed. The process is required by the Financial Services Authority. They will have certain response times in order to deal with your complaint. Once the complaints process with the insurer is exhausted you can then take it to the ombudsman and any insurer hates the threat of the ombudsman as each case that goes there costs at least