Stolen Caravan

[anotherDavid]

Keeping a caravan roadworthy is a legal requirement, although the method of displaying that it is (roadworthy) is not yet defined but maintenance by an approved workshop is an requirement of most or all insurance policies .I would suggest the annual sight of caravans smashed across the M5 on their once a year outing is all the evidence needed why it should not be a matter of choice and the prime reason why we are going to have Mot's foisted upon us.
Regarding the cost of caravan insurance, I too have a valuable car that costs less to cover than the van but it is at much less risk of theft and much more likely to be repairable in the event of an accident than a caravan, I had a minor scrape with the van last year and the repair cost equaled about 10 years premiums

 

[SteveW77]

Keeping a caravan roadworthy is a legal requirement, although the method of displaying that it is (roadworthy) is not yet defined but maintenance by an approved workshop is an requirement of most or all insurance policies .I would suggest the annual sight of caravans smashed across the M5 on their once a year outing is all the evidence needed why it should not be a matter of choice and the prime reason why we are going to have Mot's foisted upon us.

There is no such clause in my caravan insurance, or that of my sister & brother in laws.

There is no such clause in my car insurance either.

 

[anotherDavid]

it's a condition of my caravan insurance with the CC and the car with LV . I am most surprised that any policy would risk covering a vehicle of unknown condition but assuming you are right about that I would be interested to see how the claims assessors dealt with a claim where they could point to faulty maintenance as a contributory factor

 

[JonnyG]

Keeping a caravan roadworthy is a legal requirement, although the method of displaying that it is (roadworthy) is not yet defined but maintenance by an approved workshop is an requirement of most or all insurance policies .I would suggest the annual sight of caravans smashed across the M5 on their once a year outing is all the evidence needed why it should not be a matter of choice and the prime reason why we are going to have Mot's foisted upon us.

There is no such clause in my caravan insurance, or that of my sister & brother in laws.

There is no such clause in my car insurance either.

I wouldnt bank on it, and even if you have read the small print and took it in for your's and your in laws insurance, that wouldnt mean it is applied across all insurances..road worthyness,or maybe the word "neglect" covers a varied excuse
for insurance companies not to pay or pay very little...but hey at least you have insurance,.and the extra peace of mind it brings...

 

[SteveW77]

it's a condition of my caravan insurance with the CC and the car with LV . I am most surprised that any policy would risk covering a vehicle of unknown condition but assuming you are right about that I would be interested to see how the claims assessors dealt with a claim where they could point to faulty maintenance as a contributory factor

My insurance states that the vehicle must be in a roadworthy condition,there is no stipulation about professional maintenancence. As I owned my own vehicle workshop employing 4 skilled fitters for 25yrs it has never been a problem for me.
I do however have my van serviced by an approved Swift dealer in order to maintain the warranty. Once the warranty expires so will my dealings with caravan dealer,as I believe that they vastly over charge for the work they do.

 

[anotherDavid]

You are all right then you dont need to worry!

 

[Dustydog]

Some of you old dogs will remember Euro (deceased) who was anti conventional Insurance cover but not to the point of stupidity.
He advocated the idea that say 10 of us put the annual premium in a joint fund and basically self insure. On the balance of probabilities no more than one would suffer an incident requiring payment. Whatever is left over is divid up or put towards the following year.
Ok a form of self insurance but wise enough not to leave yourself exposed.
It never happened because he died but it does make you think.

 

[MichaelE]

Caravan insurance is like everything else with the word 'caravan' in it - a massive rip-off on Joe Public. I have been looking at the cost of fully comp insurance for a new car costing over £20,000 and it's between £150 and £200. The insurance cost on my van valued about £10,000 is £400, 4 to 5x the equivalent car cost. The time spent at risk on the road for the van is about 10% of the car time, with the rest of the time spent in secure storage (but how secure is secure storage??). You pays your money and takes your choice.

Im sorry i have to disagree with "fully comp insurance for a new car costing over £20,000 and it's between £150 and £200" this depends on age, location and driving history.

 

[ProfJohnL]

If you purchase a high value object and use a finance package tied to it, then the finance house has a direct interest in the value of the object.

If you have not insured the object and it is stolen or lost before the payments have finished, you are still liable to cover the remaining payments.

If you have lost the object and you die before the payments have been completed, the FH can claim the balance from your estate.
It is for that reason that some financial packages insist that the goods are properly insured against loss, so their investment is covered.

Dusty has recalled a small group insurance concept, whether that was a legal suggestion I'm not sure, its unlikely the common fund would accrue enough value to meet any claims made for public liability.

But for car insurance you used to be able (if you could afford it) to lodge a large sum of money identified as your insurance bond with an intermediary. These days you would need a minimum of about £5M!

Such matters are more easily covered by a large group of investors - but that sounds like insurance to me!

 

[Parksy]

Some of you old dogs will remember Euro (deceased) who was anti conventional Insurance cover but not to the point of stupidity.
He advocated the idea that say 10 of us put the annual premium in a joint fund and basically self insure.

'Euro's' insurance scheme would have cost him a lot of money because he had at least three PCv forum identities going at the same time

Whoever was behind these various forum identities was possibly hoping to scam anyone foolish enough to fall for the patter.

 

[JonnyG]

Caravan insurance is like everything else with the word 'caravan' in it - a massive rip-off on Joe Public. I have been looking at the cost of fully comp insurance for a new car costing over £20,000 and it's between £150 and £200. The insurance cost on my van valued about £10,000 is £400, 4 to 5x the equivalent car cost. The time spent at risk on the road for the van is about 10% of the car time, with the rest of the time spent in secure storage (but how secure is secure storage??). You pays your money and takes your choice.

Im sorry i have to disagree with "fully comp insurance for a new car costing over £20,000 and it's between £150 and £200" this depends on age, location and driving history.

spot on... my 7k caravan through the C/C use to cost 160/180 odd pounds a year my 6k cars always over £250 fully comp with full no claims and average car insurance grouping...and 5k mileage limits and not in a high risk area either...

 

[JonnyG]

Some of you old dogs will remember Euro (deceased) who was anti conventional Insurance cover but not to the point of stupidity.
He advocated the idea that say 10 of us put the annual premium in a joint fund and basically self insure.

'Euro's' insurance scheme would have cost him a lot of money because he had at least three PCv forum identities going at the same time

Whoever was behind these various forum identities was possibly hoping to scam anyone foolish enough to fall for the patter.

you are priceless........

 

[colin-yorkshire1]

Caravan insurance is like everything else with the word 'caravan' in it - a massive rip-off on Joe Public. I have been looking at the cost of fully comp insurance for a new car costing over £20,000 and it's between £150 and £200. The insurance cost on my van valued about £10,000 is £400, 4 to 5x the equivalent car cost. The time spent at risk on the road for the van is about 10% of the car time, with the rest of the time spent in secure storage (but how secure is secure storage??). You pays your money and takes your choice.

Im sorry i have to disagree with "fully comp insurance for a new car costing over £20,000 and it's between £150 and £200" this depends on age, location and driving history.

I have to disagree completly with the above senario, a £20.000 new car for £150 a year. for a retiree, mines double that on a 10year old one worth less than £3000. and it not because of age or driving history, about 10 years ago at renewal time I shopped around as usual and was quoted the cheapest price for not the best insurance of 25% of the value of the car!!! when I enquired why this was for a driver with a 30year claim free record the answer was " because you have not had a claim!!!!! you must be due for one probably this year

and the car you hit may be a RR", well 10 years on and still claim free and paying through the nose so guess whos in front.
it is the same with the caravan over 40 years with one and not one day without insurance, even now when we no longer intent to use it, it will stay insured until it is sold, even though the chances of it being damaged or stolen are remote, for an extra years premium of £110 is it worth the risk. no!! but thats not the point,
both insured items are worth the same value around 3k yet the car costs 4x times the ammount to insure, it is just not true that insurance is dearer just because it carries the word "caravan" on the policy.

 

[Dustydog]

Some of you old dogs will remember Euro (deceased) who was anti conventional Insurance cover but not to the point of stupidity.
He advocated the idea that say 10 of us put the annual premium in a joint fund and basically self insure.

'Euro's' insurance scheme would have cost him a lot of money because he had at least three PCv forum identities going at the same time

Whoever was behind these various forum identities was possibly hoping to scam anyone foolish enough to fall for the patter.

you are priceless........

I agree it was priceless Jonny,
In fact at the time a number of us thought about reinventing the wheel like on the old Allegro car

. Ill founded.
As the Prof said there would never be enough money in the kitty to pay for a substantial PL claim.
In fact the irony is that 300 years ago a bloke called Lloyd running a coffee shop in London put into practice the same idea.
It's now known as Lloyd's of London.

 

[WoodlandsCamper]

One reason why my caravan insurance is nearly £400 is because I am with the CC and they will not accept a hitch lock as one of the 2 security measures (my previous insurance company did). I use a wheel lock, but have been honest and told them that although the van has an alarm (tilt, hookup, steady, door, etc) I do not use it in storage. What's the use of an alarm going off if nobody responds for a day or two? It also saves leaving a battery (which other persons have had nicked) in the van and needing an additional charging method.
You pays your money and takes your choice.

 

[Surfer]

One reason why my caravan insurance is nearly £400 is because I am with the CC and they will not accept a hitch lock as one of the 2 security measures (my previous insurance company did). I use a wheel lock, but have been honest and told them that although the van has an alarm (tilt, hookup, steady, door, etc) I do not use it in storage. What's the use of an alarm going off if nobody responds for a day or two? It also saves leaving a battery (which other persons have had nicked) in the van and needing an additional charging method.
You pays your money and takes your choice.

We have the ALKO hitchlock which is acceptable to the CC. Previously we had I think it was called and Apache hitch lock and that was acceptable. Agree about the alarm as no one takes a bling bit of notice. We collected our caravan one Thursday and on our return the alrms was still sounding although a lot fainter. Never had a battery nicked though.

 

[ProfJohnL]

In fact the irony is that 300 years ago a bloke called Lloyd running a coffee shop in London put into practice the same idea.
It's now known as Lloyd's of London.

I think Costa are trying the same thing except financing from coffee sales alone!

 

[chrisbee1]

One reason why my caravan insurance is nearly £400 is because I am with the CC and they will not accept a hitch lock as one of the 2 security measures (my previous insurance company did). I use a wheel lock, but have been honest and told them that although the van has an alarm (tilt, hookup, steady, door, etc) I do not use it in storage. What's the use of an alarm going off if nobody responds for a day or two? It also saves leaving a battery (which other persons have had nicked) in the van and needing an additional charging method.
You pays your money and takes your choice.

I have a new twin axle insured with the CC , hitch lock but no wheel clamp, but pay nothing like £400 a year premium. Why don't the CC accept your hitch lock?

 

[Surfer]

One reason why my caravan insurance is nearly £400 is because I am with the CC and they will not accept a hitch lock as one of the 2 security measures (my previous insurance company did). I use a wheel lock, but have been honest and told them that although the van has an alarm (tilt, hookup, steady, door, etc) I do not use it in storage. What's the use of an alarm going off if nobody responds for a day or two? It also saves leaving a battery (which other persons have had nicked) in the van and needing an additional charging method.
You pays your money and takes your choice.

I have a new twin axle insured with the CC , hitch lock but no wheel clamp, but pay nothing like £400 a year premium. Why don't the CC accept your hitch lock?

I think if you check your policy, a wheel clamp or lock is mandatory. We paid just under £300 to renew our old for new policy on our 2011 twin axle with the CC.

 

[Raywood]

There is a condition in all propoerty insurance policies to this effect, it will be in the conditions and if you have a loss caused by your failure to maintain then the insurer will almost certainly turn your claim down. The property has to be adequately maintained rather than serviced to the manufacturers requirements but that additional requirement is in many repacement as new policies.

Keeping a caravan roadworthy is a legal requirement, although the method of displaying that it is (roadworthy) is not yet defined but maintenance by an approved workshop is an requirement of most or all insurance policies .I would suggest the annual sight of caravans smashed across the M5 on their once a year outing is all the evidence needed why it should not be a matter of choice and the prime reason why we are going to have Mot's foisted upon us.
[/quote]

There is no such clause in my caravan insurance, or that of my sister & brother in laws.

There is no such clause in my car insurance either.[/quote]

 

[Raywood]

One reason why my caravan insurance is nearly £400 is because I am with the CC and they will not accept a hitch lock as one of the 2 security measures (my previous insurance company did). I use a wheel lock, but have been honest and told them that although the van has an alarm (tilt, hookup, steady, door, etc) I do not use it in storage. What's the use of an alarm going off if nobody responds for a day or two? It also saves leaving a battery (which other persons have had nicked) in the van and needing an additional charging method.
You pays your money and takes your choice.

I have a new twin axle insured with the CC , hitch lock but no wheel clamp, but pay nothing like £400 a year premium. Why don't the CC accept your hitch lock?

I think if you check your policy, a wheel clamp or lock is mandatory. We paid just under £300 to renew our old for new policy on our 2011 twin axle with the CC.

I would check if you believe your CC policy will accept a hitchlock as ours will not and it is on a CC storage site. The reason they are not accepted is they can be by passed by chaining the caravan to a towing vehicle or by using a frame to fit over the a frame and steal the caravban with the hitchlock in place.

 

[chrisbee1]

One reason why my caravan insurance is nearly £400 is because I am with the CC and they will not accept a hitch lock as one of the 2 security measures (my previous insurance company did). I use a wheel lock, but have been honest and told them that although the van has an alarm (tilt, hookup, steady, door, etc) I do not use it in storage. What's the use of an alarm going off if nobody responds for a day or two? It also saves leaving a battery (which other persons have had nicked) in the van and needing an additional charging method.
You pays your money and takes your choice.

I have a new twin axle insured with the CC , hitch lock but no wheel clamp, but pay nothing like £400 a year premium. Why don't the CC accept your hitch lock?

I think if you check your policy, a wheel clamp or lock is mandatory. We paid just under £300 to renew our old for new policy on our 2011 twin axle with the CC.

I would check if you believe your CC policy will accept a hitchlock as ours will not and it is on a CC storage site. The reason they are not accepted is they can be by passed by chaining the caravan to a towing vehicle or by using a frame to fit over the a frame and steal the caravban with the hitchlock in place.

My CC insurance states wheel lock or hitch lock. I made it clear to them when I changed 'vans that I would not be fitting wheel clamps as it was too much hassle lining up the 2nd wheel to accept the lock. It would have cost me the best part of £500 to buy 2 locks so any slight increase in premium I may have been charged is acceptable to me.

 

[Surfer]

One reason why my caravan insurance is nearly £400 is because I am with the CC and they will not accept a hitch lock as one of the 2 security measures (my previous insurance company did). I use a wheel lock, but have been honest and told them that although the van has an alarm (tilt, hookup, steady, door, etc) I do not use it in storage. What's the use of an alarm going off if nobody responds for a day or two? It also saves leaving a battery (which other persons have had nicked) in the van and needing an additional charging method.
You pays your money and takes your choice.

I have a new twin axle insured with the CC , hitch lock but no wheel clamp, but pay nothing like £400 a year premium. Why don't the CC accept your hitch lock?

I think if you check your policy, a wheel clamp or lock is mandatory. We paid just under £300 to renew our old for new policy on our 2011 twin axle with the CC.

I would check if you believe your CC policy will accept a hitchlock as ours will not and it is on a CC storage site. The reason they are not accepted is they can be by passed by chaining the caravan to a towing vehicle or by using a frame to fit over the a frame and steal the caravban with the hitchlock in place.

My CC insurance states wheel lock or hitch lock. I made it clear to them when I changed 'vans that I would not be fitting wheel clamps as it was too much hassle lining up the 2nd wheel to accept the lock. It would have cost me the best part of £500 to buy 2 locks so any slight increase in premium I may have been charged is acceptable to me.

I just check my policy and no mention of hitchlock although it does require a wheel clamp. I still got the discount for only fitting one ALKO lock and a sold secure wheel clamp and have it in writing.