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 Topic: Accidental damage insurance?
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03/2/2014 at 7:35am
Location: Scotland
Outfit: Coachman Highlander (Amara)
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Hi, we have booked a holiday home (caravan) for the coming weekend through Hoseasons. They added on accidental damage insurance of £16 which I asked to be removed as I felt it was excessive for 2 days! They said fine, but we will be liable for any damage that could occur. Now I'm having a bit of a wobble. Is there an insurance I could take out myself for such purposes? Any advice? Thanks
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03/2/2014 at 8:50am
Location: None Entered
Outfit: Motorhome
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Check with your own home insurance company as you may be covered by that. They will certainly be able to advise.
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03/2/2014 at 8:53am
Location: Bath
Outfit: Bailey Palermo & Kampa Brean
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i have been booking a few caravan sites recently and they too were adding on cancellation insurance...mainly with a tick box option which i don't need as i already have insurance elsewhere. sadly many are null and void and you are entitled to the return of your "premium" as they are not legally sold.
I use legally in the loosest terms as basically they have to give you the main terms of the policy etc. to satisfy FCA requirements.
i cant say i have ever paid an insurance premium when staying in a hotel...so why would this differ. But then again if you scratch a hire car then its down to you.
bit of a dilemma really here. I would be asking what their policy covers and why they haven't told you this up front as per the requirements of the FCA. And then check your home insurance to see if there is anything in that to support your needs.
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03/2/2014 at 9:03am
Location: Scotland
Outfit: Coachman Highlander (Amara)
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They did tell me up front when they were itemising the cost and t this point I said no thank. I feel £16 for 1 days is a rip-off.
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03/2/2014 at 10:00am
Location: west country
Outfit: None Entered
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£2920 per year to insure their caravan is clearly outrageous. Insurance is surely a cost on their business and they will pay nothing like that much and should factor it in to the cost off the hire.
Having just browsed their website I see they add on more cover under something they call "standard booking conditions" and for a 3 night stay in Devon insurance add ons were £52 bring my trial booking costs from £249 to £301.
Added automatically and has to be removed manually to something they describe as "downgraded"
This is just another rip off and I for one would tell them what to do with their caravan for the weekend.
Post last edited on 03/02/2014 10:10:53
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Steve
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03/2/2014 at 10:22am
Location: Scotland
Outfit: Coachman Highlander (Amara)
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Yes Steve, I also didn't pay the standard booking ins as I know I am already covered with my annual travel ins!
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03/2/2014 at 11:12am
Location: None Entered
Outfit: Motorhome
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When we ran a bed and breakfast we never charged insurance as we were insured anyway as a business to cover any damage however it was caused. We also had to have public liability insurance which by the way is usually included in home insurance payments. Seems to be another way to just make more profit by this company but many are doing it.
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03/2/2014 at 11:24am
Location: None Entered
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Just had a google and it is all very vague. You may well have to sign in their conditions that you will be liable for any damage. Maybe you can find out if your home insurance will add something on for this short stay if they do not already cover you. Remember if you have to claim against your own insurance you may be charged a premium next time you renew.
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03/2/2014 at 12:49pm
Location: Slaving away
Outfit: Dandy (Magic mushroom) BMW 3 series
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Just booked a cottage for August. They add an extra £100 to cover this but do it as a separate cheque and after we leave they check the place and just don't cash it if everything is OK.
They have to cover themselves as some people have no respect for caravans/cottages etc that they hire, and if that unit is left with a problem that it cannot be used the next week, the owners are out of pocket. And if requested payment for damage after they have left it would not be forthcoming.
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No, really?!
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03/2/2014 at 9:29pm
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Unless you are thinking of trashing the place why would you need damage insurance? Check everything out when you get in there and point out any existing damage or loose fittings that might fall off while you are there. I am sure if you drop a plate or a cup they aren't going to cost £16 to replace. Rip off Britain comes to mind.
If you drop the entire dinner service it might cost you a few bob though! 
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03/2/2014 at 10:08pm
Location: Slaving away
Outfit: Dandy (Magic mushroom) BMW 3 series
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It covers you for accidents as well. You could spill a cup of tea over a carpet, on a bed. Get something jammed in a washing machine. Or as you say drop the whole dinner service.
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No, really?!
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03/2/2014 at 10:59pm
Location: Isle of Mull
Outfit: 2 x Outwells Kairos 400 Caranex
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A while back we (as a group) booked three holiday chalets in February. Part of the payment consisted of accidental damage insurance but the amount wasn't excessive. We did a tally of what was in each chalet and provided a comprehensive list that first night of missing stuff - largely kitchen utensils, plates, etc. and handed it in to the staff on duty. Guess what - got charged for all the missing items. Thankfully, we'd kept a copy, signed by the staff member we'd handed the list to, of the missing items and I read riot act (I was responsible for payment).
As Bob61 says, do this on arrival, check it with staff and get signed copy. Just as you would with car hire.
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