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Subject Topic: Insuring camping equipment
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Personwest1871
28/4/2012 at 7:55am
 Location: Dorset
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Thank you, very informative



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A problem shared is a problem halved


PersonJaxh725
02/5/2012 at 4:13pm
 Location: Antrin N. Ireland
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Thank you vonc for the information. As someone who is just starting out I never even thought of insurance.

I agree with you, for that small price it's worth it for peace of mind.

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John

"Life moves pretty fast. If you don't stop and look around once in a while, you could miss it" - Ferris Bueller


PersonHockeychic
02/5/2012 at 4:24pm
 Location: Glasgow
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I checked with my insurer Nationwide we are covered under our contents under possessions away from home and this includes camping equipment.


Personvonc
02/5/2012 at 4:24pm
 Location: west midlands
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We are just starting back up ... But having done it all before ... Caravanning and camping it's better to be safe than sorry .

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Coming home back to a caravan
2013
Whit week Kelpie Manorbier
July/Aug Carpenters Farm Isle of Wight


Personc6cazzie
02/5/2012 at 4:28pm
 Location: North Yorkshire
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Quote: Originally posted by vonc on 27/4/2012
If you think about it camping equipment isn't cheap ... Imagine if it went up in flames ... A tidy amount of money ! We have insured the tent and equipment for £1500.... Personnel items are covered by house ins .. £31 a year for peace of mind .... It's worth it
Just been having another think about this. We too have our van insured separately from personal items (which are covered by house insurance). However, if things did go up in flames, that would mean two claims and two lots of excess to pay?

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Caz :)


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Personvonc
02/5/2012 at 5:05pm
 Location: west midlands
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Oh yes Caz ... Never thought about that, but if we went away without camping equipment it wouldn't be covered at all as its a specialized insurance and seemed silly paying twice , at least with personal items insured under house contents where ever we went it would be covered

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Coming home back to a caravan
2013
Whit week Kelpie Manorbier
July/Aug Carpenters Farm Isle of Wight


Personmikegalagher
02/5/2012 at 5:40pm
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Quote: Originally posted by c6cazzie on 02/5/2012...if things did go up in flames, that would mean two claims and two lots of excess to pay?

Yes, if an excess applies under each policy. That's because there's two policies and two claims even though the cause of the loss or damage is the same.

Imagine your house is insured with buildings insurer A. Your contents are insured with insurer B.

Lightning strikes the house and damages the both the structure and internally, contents in the area struck. Same cause, but two insurers, two policies, two claims, and two excesses - assuming each policy was subject to an excess.

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Mike

My advice is worth no more than the price paid for it

Prague May/Jun 2017
Lake Annecy Aug 2017


Personc6cazzie
02/5/2012 at 6:41pm
 Location: North Yorkshire
 Outfit: Kuro 500; Bailey Orion; Fiat Ducato View c6cazzie's Profile View Profile   Reply to c6cazzie Reply   Quote c6cazzie Quote  
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Can't believe I have only just cottoned on to that Doh! Suppose you have to weigh up the cost of the 2 x excess versus the extra cost on the camping policy. Hopefully we will never have to worry about it!

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Caz :)


Personmikegalagher
02/5/2012 at 8:05pm
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Hey, the insurance is supposed to give you peace of mind, not more worrying

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Mike

My advice is worth no more than the price paid for it

Prague May/Jun 2017
Lake Annecy Aug 2017


Personvonc
02/5/2012 at 8:48pm
 Location: west midlands
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Hockeychic ... Your lucky, my contents insurer would cover me but .. And a big but if I left the camping equipment alone .. As you do on holiday and something happened they wouldn't pay out !!! I do wonder how many others might get caught out ... I only found out because I questioned them as I got caught out once with my pet insurance, it only came to light when we had to use it , so I tend to quiz all insurers now

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Coming home back to a caravan
2013
Whit week Kelpie Manorbier
July/Aug Carpenters Farm Isle of Wight



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