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We have been looking at insurance all week to suit our needs it seems that the Caravan Club are the only ones that suit it with having one security device.  The thing is by the time you add membership etc it works out about £70 more than another insurance quote we have. We wouldn't mind so much if we used their campsites but when we worked out the prices for that, the club was more expensive than normal rates we pay on other clubs.  So my question is does anyone know what company CC club use and if I could go to them directly?

Many thanks

Hi

I believe (from memory only - which might not be too good) that the C.C. use a pool of about 5 different underwriters. It is a big business.

Why not ring the C.C. and ask. As regards getting the same terms from them at a cheaper rate I doubt you'll get any joy. Most things of this kind are tied up in the contracts.

Tyreman

Looking at my documents, for caravan insurance the CC acts as an independent intermediary and is itself FSA regulated. It names its own insurance as being co-insured by  five insurers - Axa, Nat, Ins & Guarantee Corp., Norwich Union Finance, and two Lloyds syndicate numbers. So the answer to your question would appear to be no.

I tried NFU and she was honest in saying that there would be no point in giving me a quote because it would be the first year of our insurance and they would work out more expensive but to try next year.  I was very surprised with Adrian Flux, we have our van on the coast around Skegness.  They will not insure that area of the coast at all.  What would happen then if you lived somewhere else and went to the coast on a holiday and got flooded?  I have never known an insurance company restrict to areas.

It is common for insurance companies to refuse or load heavily certain areas of the country with regard to home insurance as, for instance, anywhere with coastal erosion or clay soil would be a high risk and they also use postcodes in relation to crime statistics.

I know the CC is more expensive, we don't use their sites either but I want peace of mind that the cover I have is from a reputable company and as I work in the industry I know that price is only one factor.

Ali