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Subject Topic: caravan insurance(am I thick) Post Reply Post New Topic
05/5/2008 at 5:51pm
 Location: sunderland
 Outfit: terrano compass omega 505
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when getting insurance quote (new for old) do you give the value of the caravan you paid or value of the van today


05/5/2008 at 6:05pm
 Location: Cornwall
 Outfit: Toyota LC3 TDi 04 Abbey GTS Vogue 418
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If your van/model is still available then todays replacement price would be used for value. Otherwise a similar size/model/make new price. The Insurance Company should advise you if there is any doubt.

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Mike


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05/5/2008 at 6:13pm
 Location: Liverpool
 Outfit: Bailey Senator Virginia Mondeo 2.0l TD
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I usually tell the insurance the the value for similar caravan.to replace mine every time I renew.

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Simply Yung.(early retiree and loving it)
09 Mondeo 2.0 TDCI,07 Senator Virginia
April 1 ~ 5 York CP
      5 ~ 11Loose hill C C
      11 ~ 19 Gaer Hyfrid C C


05/5/2008 at 6:50pm
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so if it was £14,000 u say £15,000 for the van then you want the contents and awning on top. so round it up to 20 grand.  doesent matter wot you paid for it. its to get a van or contents back. if anything happends, god for bid.

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Roughing it in style at Calloose caravan and camping holiday park nr St Ives.(seasonal pitch)
Its not a hangover, its wine flu!


nant mill.N/Wales
just dont go there.


05/5/2008 at 6:51pm
 Location: Torbay Devon
 Outfit: Eldis Mistral 2 berth
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Of course you are not thick. The insurance company should put to you the questions, so that you and they know what the insurance covers. Maybe they hope that if the question is vague, then in the event of a claim, you will have to accept a miserly offer. The new for old bit is so that the value is a replacement price today. In the bad case, they would say your van/car is 4 y o and therefore with depreciation we will offer you a lesser amount. Like 25% of what you paid.

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Geeljay


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05/5/2008 at 7:47pm
 Location: Somerset
 Outfit: Pageant Bordeaux Nissan X-Trail
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Hi

With the C.C. insurance new for old, you must pay for the current price of a new caravan (and contents)

Tyreman



05/5/2008 at 8:12pm
 Location: sunderland
 Outfit: terrano compass omega 505
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the reason I asked this question we bought our van new in July last year and paid nearly £15000 and insured it for that amount, in march this year the daughter and son-in-law bought the same van for £12000 (used) and insured it for the said amount now wondering if we lost our vans  would we both get a new van the equivalent to the model that we lost


05/5/2008 at 8:35pm
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Now then. i had a Elldis 556. at the time new i think it was 11 grand. when the ins company had to pay out, they had to pay 13 grand. cos the Elldis vans had gone up in price. has this yr, they went up another thousand pounds. As long as they can find the same van, its up to them wot they pay for it. Now cos i didnt want the same van, they had to give me cash, not the knock down price cos i was getting cash off them, just that i wanted to upgrade, and not want the same van again cos of bad memorys of wot happened to us.  They do try it on. ask for the receipt of purchase and where from etc. But its wot it say`s New for old. You could have done a deal or anything. dosent matter.

PLUS get the van in your name CRIS reg. They want the doc. if not you will delay the claim. Thats one main reason you need it plus traceing it if it gets stolen. The van is in your name. just like a car reg doc.



Post last edited on 05/05/2008 20:49:36

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Roughing it in style at Calloose caravan and camping holiday park nr St Ives.(seasonal pitch)
Its not a hangover, its wine flu!


nant mill.N/Wales
just dont go there.


13/5/2008 at 9:36pm
 Location: Dudley
 Outfit: Vango Diablo 600
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The premium is based on the amount that you insure.  However you must ensure that the amount that you insure for you could replace your caravan like-for-like.  Be careful not to under insure because that can cause complications if you have to make a claim for a total loss.

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KEEP DRY THIS SUMMER


13/5/2008 at 10:28pm
 Location: Lancashire
 Outfit: Caravan now Sold
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we have CClub insurance,new for old.not cheap.ours is worth about £7k but if it was to be replaced it would cost them £10k+.think we are paying £320 now. over 5 years old it must be fully serviced by a dealer or a mobile fitter every year.

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the only silly question is the one you do not ask.



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