sad day

[seth1]

One of the sadest days of my life today.
Got a phone call of my lovely wife to see if i,d took the caravan to work with me for a "run out"
Got home to find the farm gate smashed off and my dear adria gone.Bits of hitch lock on the floor.
Kids are devastased,especally the middle one who has learning difficultys.His words were "all the toys have gone too dad"
Spoke to caravan guard tonight,seems new for old has ended and we cant afford 15k to replace it,so it will be second hand for us.
Lost for words.
Its cris no is zyisd50am8dk01107.Adria 502dk 2008.This caravan is now reported stolen to cheshire police.For anyone that sees it or information about it there is a decent cash reward.Cheers all.

 

[cluker11]

Spoke to caravan guard tonight,seems new for old has ended and we cant afford 15k to replace it,so it will be second hand for us.
Lost for words.
Its cris no is zyisd50am8dk01107.Adria 502dk 2008.This caravan is now reported stolen to cheshire police.For anyone that sees it or information about it there is a decent cash reward.Cheers all.

But is new for old what you were paying for in your insurance premium.

 

[Thingy]

Dreadfully sorry to here this. Its a sad inditement of the world we live in. Obv i dont know the layout of the area but its worth checking to see if anyone up and down the road has CCTV.

 

[seth1]

Thanks.ive left it with the police,i spent two hours last night driving around.We had the isle of white summer holiday booked for in three weeks,set slightly later so we could meet up with my mum and dad,and it just so happens its my middle ones birthday.Obviously with his difficultys he doesnt understand whats going on.hmm.
Im sorta like giving up the will to go to work,12 months ago the place got broke into and my new pup got stolen,managed to get out of the guys control and got run over on the road.With three witness,the police were still unable to do anything,and after all "its only a dog".Maybe i should have reported it as a chainsaw as been stolen,or the tax has expired on my vehicle.
I think im a bit under the weather this morning.

 

[Parksy]

I'm so sorry to read this Seth.
I can only hope that your insurers will act quickly enough for you to get a replacement caravan but I know that nothing will replace the loss of confidence and hope that such a cruel theft can bring about.

 

[Gagakev]

Spoke to caravan guard tonight,seems new for old has ended and we cant afford 15k to replace it,so it will be second hand for us.
Lost for words.
Its cris no is zyisd50am8dk01107.Adria 502dk 2008.This caravan is now reported stolen to cheshire police.For anyone that sees it or information about it there is a decent cash reward.Cheers all.

But is new for old what you were paying for in your insurance premium.

Firstly Seth, I feel devastated for you and your family and only hope you can sort another in time.

With regards to "new for old" this seems to be a standard practice comparing it to my insursance company, they say after 7 years old it is not standard on the policy, my van is the same age as seth's and on last renewal were informed of this and had the option to pay the extra, Seth was it mentioned on your last re-newal ? It may have been in the small print but I would check it out. If not perhaps you could question it? Good luck

 

[Dustydog]

Sickening for you and the family Seth. Especially a regular forumite.
I agree with Kev.
Caravan Guard as a direct caravan insurer have a duty of care to make sure you are made fully aware of the cover available to you.
if you originally had new for old and they reduced it to an indemnity market value you should have been told.
Assuming the worst you will have to establish as near as damn it the replacement cost for a like for like second hand. Contact as many dealers as you can. Don't forget all the contents .Eg clothes awnings etc.
It will be interesting to see how much you are offered and how quick they are.
If you have any problems I am happy to help via Parks initially.
Good Luck

 

[ProfJohnL]

Sickening for you and the family Seth. Especially a regular forumite.
I agree with Kev.
Caravan Guard as a direct caravan insurer have a duty of care to make sure you are made fully aware of the cover available to you.
if you originally had new for old and they reduced it to an indemnity market value you should have been told.
Assuming the worst you will have to establish as near as damn it the replacement cost for a like for like second hand. Contact as many dealers as you can. Don't forget all the contents .Eg clothes awnings etc.
It will be interesting to see how much you are offered and how quick they are.
If you have any problems I am happy to help via Parks initially.
Good Luck

Let me first say I'm sorry to read of your loss, and especially as you had plans to use it which must of course now change.

I do wonder if you have fallen foul of the the misconception about renewing insurance policies, The word "renew" is not the same as "extend" and in fact it means exactly what it say, you are re'new'ing or starting again.
Insurance companies as dusty says are duty bound to inform you of what you policy is, and that is why they often include 'notes about your policy and any changes in the cover provided. It's always worth reviewing these notes because that's how the companies sneak in changes, and you can be surprised how a policy or liability can altered by just a few words.

This is where I have to disagree with Dusty. I don't think the company is necessarily obliged to inform the client of the expiry of the new for old time limit. If the age limit was clearly stipulated when the policy was initially taken out, and the conditions or wording of that part of the policy have not changed over the years, then by continuing with the policy at the outset, the company can deem you to have accepted the terms and conditions of the policy, including the understanding that when the insured item reaches a certain age, the new for old cover ceases.

When that date arrives there is has been no change to the policy therefore the company does not have to highlight it. However as the company's liability is now less than it was, you should in my mind be enquiring about a reduction or refund of premium.

What ever the insurance outcome, I hope you can get mobile again.

 

[crazyguider]

So sorry to hear about your van, Seth. I hope it can be solved favourably for you.
Best wishes.x

 

[Dustydog]

Sickening for you and the family Seth. Especially a regular forumite.
I agree with Kev.
Caravan Guard as a direct caravan insurer have a duty of care to make sure you are made fully aware of the cover available to you.
if you originally had new for old and they reduced it to an indemnity market value you should have been told.
Assuming the worst you will have to establish as near as damn it the replacement cost for a like for like second hand. Contact as many dealers as you can. Don't forget all the contents .Eg clothes awnings etc.
It will be interesting to see how much you are offered and how quick they are.
If you have any problems I am happy to help via Parks initially.
Good Luck

Let me first say I'm sorry to read of your loss, and especially as you had plans to use it which must of course now change.

I do wonder if you have fallen foul of the the misconception about renewing insurance policies, The word "renew" is not the same as "extend" and in fact it means exactly what it say, you are re'new'ing or starting again.
Insurance companies as dusty says are duty bound to inform you of what you policy is, and that is why they often include 'notes about your policy and any changes in the cover provided. It's always worth reviewing these notes because that's how the companies sneak in changes, and you can be surprised how a policy or liability can altered by just a few words.

This is where I have to disagree with Dusty. I don't think the company is necessarily obliged to inform the client of the expiry of the new for old time limit. If the age limit was clearly stipulated when the policy was initially taken out, and the conditions or wording of that part of the policy have not changed over the years, then by continuing with the policy at the outset, the company can deem you to have accepted the terms and conditions of the policy, including the understanding that when the insured item reaches a certain age, the new for old cover ceases.

When that date arrives there is has been no change to the policy therefore the company does not have to highlight it. However as the company's liability is now less than it was, you should in my mind be enquiring about a reduction or refund of premium.

What ever the insurance outcome, I hope you can get mobile again.

I'm not convinced I said what you think I said Prof.
if you originally had new for old and they reduced it to an indemnity market value you should have been told.
In fact I think we are one where an Insurer cannot Import or Export clauses in or out of the policy without telling the Insurer
We all know a renewal is an invitation from an Insurer to renew an existing Contract. If the new for old didn't exist ab into then yes I agree with you. However if the Insurer wishes to change the wording from last years then he must under the FCA regulations clearly explain.
Interestingly enough those who insure with The Caravan Club are sent a new policy wording every year although the policy number remains as per the original. If any changes have been made a separate document is enclosed explaining the changes. The covering renewal letter also makes this clear.

Caravan Guard like many others offer New for Old on any caravan up to 15 years old. Far older than Seth's.

The question for us is : Did Seth ever have New for Old in the first place or was it removed without his knowledge

 

[ProfJohnL]

Hello Dusty,
I don't want to take this thread too far of topic.

Obviously we don't know if Seth had a new for old policy or not until (if he is inclined ) he tells us. I hope a responsible company would advise its customers if a significant change in cover were about to happen due to the expiry of a specified period, but as I originally stated, if the policy at the outset stated that they would not be liable for "new for old" when the caravan reached a certain age, and the cover would revert to market values after that age, the company has met its legal obligation.
Consider the frequent adverts for broadband providers, and magazine subscriptions where they tempt you in with a half price offer for one year. Do they ring you up or email you to tell you the half price offer is coming to an end?, No because they should have explained the time limited nature of the offer at the outset.

 

[Parksy]

The road network is covered by CCTV so I hope that the police will catch these thieves, I don't hold out much hope though.
Whichever policy Seth has I hope that the insurers settle quickly and fairly

 

[LizziePope]

Seth1, we are so, so sorry to hear this.

 

[colin-yorkshire]

hi Seth, sorry to hear of your loss it is a caravaners worst nightmare, hopefully you will get the insurance sorted and be back on the road soon, makes you wonder what the country is coming to,
I know it is of little solace but if they want it chances are it will go sometime, all one can do is slow them down or make it as impossible to steal as you can, by using a cut proof bike chain unto an anchor concreted in or even removing the wheels [I did both] then it may be there when you get home. it is still sickening though I feel for you.

 

[Keefanmaxx]

Hello Seth,
So sorry to hear that your 'van has been taken, we can't imagine what you're feeling. Like all others we do hope that your insurers sort it out for you and your plans aren't completely ruined.

Best Wishes

Keith and Maxine

 

[MrsSorento]

which part of Cheshire are you? will keep an eye out round my neck of the woods

 

[Mel]

Hi Seth. What an awful time. Hope there is a positive resolution soon and you and your family can move on. Best wishes to you all.
Mel

 

[seth1]

Hi folks,thank you to everyone for the kind words.Ive fully accepted the situtaion now and dont expect it to come home.Im a little bit upset as the next door neighbour watched it happen but refuses to talk to the police,i saw him on friday night to speak to and he told me the direction it went in which is strange from where he say,s he viewed it happening from.But no matter, whats done is done and i wont creep around anymore trying to please him or his neighbour.One reason this has happened is because he objected to me putting it at the rear of my garden after i had a gravel road put in leading to the rear of my garden and unfortunently when the van is parked there he can see the top 18inches of it and it displeases him.Thus the van has been at the side of the garage and in full view.Although with the locks on.Shame.
On to the good news,were now proud owners of a 2012 Adria 542dt triple bunk bought today from a lovely well to do family from Gloucester,used only four times due to teanage kids being obseste with the internet,no surprise there then.Absolutely like new,original bill of sale,full adria history and covering literature,everything tallys up.So we have just come away from towsure with all our bits and bobs.Well happy again.
Thanks all(Darnhall mrs sorento)

 

[Gagakev]

Gee Seth you dont hang about
Glad to hear you are back on the road, amazing news, really happy for you.
Hope you put it at the rear now!!!
Could you up the security, maybe CCTV, or get a couple of those post/bollard to put in front of it ?
Good luck and enjoy your next trip.

 

[seth1]

Hi Kev,thanks pal.builders in tomorow.Concreting a pad down in front of garage.With two pieces of 4 x 4 inch box section in a sleeve.Were just looking at the cameras that notify your phone on detecting movement.I cant afford to loose this one.

 

[Sproket]

Glad to here you are back on the road .... I would be thinking of fitting one of these ....

 

[Parksy]

I'm delighted to see that you have the replacement Adria and can now continue with your holiday plans Seth.
I'm sure that you will do everything possible to make this one un-stealable.
Your un co-operative neighbour can't be relied upon at all but I'm a great believer in Karma so perhaps the thieving scumbag who took your caravan will reap a just reward and maybe your neighbour will want your help one fine day

 

[Raywood]

Good to hear you are back on the road. I think there may be bit of misinformation in the postings on the cover. Where new for old cover is sold the policy states the limit for this and the cover automatically changes as the caravan passes this age. The insurer is not changing the policy at renewal the change will occur at some point during the insurance as the caravan reaches that age.
The longest period I think you can get new for old cover is probably the caravan club who will give up to 15 years.

 

[Dustydog]

Well done Seth.
That was a very fast replacement.
Can we assume your Insurers performed well?

 

[Jules_ht]

When I read this initially I very nearly posted my condolences along with a comment that hopefully you'd be back in the saddle soon and all might feel better then. Wasn't expecting to see it happen so soon but am delighted to read it.

Friend of mine imported a cat collar tracking device from the states recently, for him to track where his cat was going. Uses a SIM card to send GPS signals via SMS, and you can track it on the web. Has alarms for moving above a certain speed, for moving outside a set geography etc. I've often thought the technology is wasted in its intended application and would be better use to track our vans!