Wheel lock and insurance

[Javert]

In the absence of the CMHC defining a specific model Wraith lock you are still compliant with the T&Cs. But if you wish to upgrade your wheel lock that’s understandable, but you will never be totally safe from those who cherish your belongings.

I suspect that in a legal dispute this would revolve around the interpretation of ",that has received certified
approval from either Sold Secure, Thatcham or SCM.TASS C."

Interestingly, on the CAMC website page about security devices, the above bold text only appears on the bullet point for the Stronghold device - I suspect this is a typo / bad layout, but it might work in your favour in court....

The original Wraith lock might have been approved by Sold Secure at some or other point in time, but it does not show up today as approved on their website - only the Wraith 3 does. Does the part in bold on page 30 after the comma apply to all devices listed, and does it still apply if the device was approved by one of those organisations in the past but no longer meets the current standard - open to question?

 

[Dustydog]

On such a legal technical point you must ask the CAMC for their specific answer. Any ambiguity on their part would be found in your favour. As the drafter of the wording they cannot at a later date import words and meanings that were not there before. The Contra Preferentum Rule.

 

[otherclive]

Also if acceptance of earlier models is not given, then owners face significant costs to upgrade. What happens to an owner who perhaps buys one and a month or so later the next model is put on sale? Nice thing about the Wraith is that it can move to the successive caravans without having to be replaced like Alko lozenges. Bit like not having full width awning.

 

[Hutch]

The way I read the conditions, if you fit any Hitch lock, or, have a tilt alarm, it doesn't matter which wheel lock you have fitted.
You are covered.

 

[Dustydog]

The way I read the conditions, if you fit any Hitch lock, or, have a tilt alarm, it doesn't matter which wheel lock you have fitted.
You are covered.

There are clearly two different policy wordings involved. Pre and post September 2026. Yours and mine are pre. The later one does specify make.
Looking at my renewal invitation earlier this month no mention was made about changes to approved security devices.
More importantly if anyone has any doubts about their policy or security requirements ask the Insurer.
Back to the OP question the only wheel clamp I've used was 18 years ago , a very heavy Bulldog. Since then it's bern Al-ko wheel locks

 

[Van Fisher]

At risk of stating the obvious, if your caravan was stolen, you would probably have to prove that you actually had the model of lock stated and that it was fitted correctly.

 

[Dustydog]

At risk of stating the obvious, if your caravan was stolen, you would probably have to prove that you actually had the model of lock stated and that it was fitted correctly.

The angle grinder remains are or should be available on the ground🙀🙀.
But there are videos on here ,somewhere, showing thieves using low loaders with cranes to literally lift the secure caravan into the truck and drive off.
No audit trail!

 

[Van Fisher]

The angle grinder remains are or should be available on the ground🙀🙀.
But there are videos on here ,somewhere, showing thieves using low loaders with cranes to literally lift the secure caravan into the truck and drive off.
No audit trail!

Thats a horrific thought.

I would suggest taking a photo that can have its date varified each time you park up. The photo could show the van and the lock and maybe a bit of location back ground.
Maybe I am paranoid but.....
We had our rental car rear screen smashed and all our luggage stolen in the US last year and the insurers would not pay for anything that we could not provide proof of ownership for, plus they wanted photos of the car, proof of the rental agreement, police reports, etc., etc. It was an absolute nightmare and we only got paid for about a third of what we lost, despite have an expensive, defacto 5 policy with a very well know insurer.
They love to take your money, but will do everything possible to avoid paying out.