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Subject Topic: Insurance security query Post Reply Post New Topic
Personjamie473
23/8/2008 at 8:42pm
 Location: Coventry West Midlands
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I just bought insurance for my van and the documents arrived today.  In the small print they state words to the following effect:

'If the van is left for more than 2 hours then a Proprietary Hitch Lock or a Proprietary Wheel clamp must be fitted, else the policy is invalid'.

We currently have a cheap wheel clamp from Towsure, one that could be removed if the intruder was to deflate the tyre.

I dont think this is enough, the word 'Proprietary' worries me, and is not very clear, can anyone shed any light please, what do I need as a minimum?


PersonMartyM
23/8/2008 at 8:55pm
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Proprietary means(I guess in the context stated) bought in a shop as a wheelclamp or a hitchlock as stated on the box it came in, as opposed to summat being used as a wheelclamp or hitchlock, ie a padlock & chain wrapped round it. Although the dictionary definition says 'manufactuered by one particular firm' which may suggest the insurance company has a list of approved suppliers of security devices so I suggest you check with them.

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PersonSlimjm
23/8/2008 at 11:48pm
 Location: Cumbria the Lakes
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I would concider unsing a SOLD SECURE clamp/hitchlock a lot of isurance companies insist on both.

Sold Secure about


wildie
24/8/2008 at 2:33am
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sorry but using a clamp on site how the hell you going to move your van away in the event of a fire quickly enough! it`s bad enough with steadys down and hitchlock on but least your can push your van away.
and yes moaned like hell at the ins company stating that.
very bad idea on the ins part and they really hate paying out and really do like taking your moneys.


Personjamie473
24/8/2008 at 10:32am
 Location: Coventry West Midlands
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Thanks for the replies, i'll have a look at that website and also call them.  The wording is definately a little 'Grey', almost as if the insurance company is hoping that you fail to comply!!


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Personjennifernn
24/8/2008 at 11:33am
 Location: NW of Glasgow
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Who are you insured with?   Some companies are more particular than others.

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Jennifer


PersonMick+Tina
24/8/2008 at 11:35am
 Location: Hampshire
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Quote: Originally posted by wildie on 24/8/2008
sorry but using a clamp on site how the hell you going to move your van away in the event of a fire quickly enough! it`s bad enough with steadys down and hitchlock on but least your can push your van away.
and yes moaned like hell at the ins company stating that.
very bad idea on the ins part and they really hate paying out and really do like taking your moneys.
We always put on our wheel clamp when we pitch up, along with our hitch lock and steady lock.  In terms of moving the van quickly thats not going to happen due to the awning being attached as well. 

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Regards

Mick + Tina

Good Bye To Our Abbey Spectrum 520, Hello To Our Elddis Crusader Cyclone


Personjamie473
24/8/2008 at 12:00pm
 Location: Coventry West Midlands
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Quote: Originally posted by jennifernn on 24/8/2008
Who are you insured with?   Some companies are more particular than others.

It's 'onequotedirect'.


Personjennifernn
24/8/2008 at 1:26pm
 Location: NW of Glasgow
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Phew!   Thought for a minute it might be the dreaded E&L!

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Jennifer


PersonSlimjm
24/8/2008 at 6:44pm
 Location: Cumbria the Lakes
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Quote: Originally posted by wildie on 24/8/2008
sorry but using a clamp on site how the hell you going to move your van away in the event of a fire quickly enough! it`s bad enough with steadys down and hitchlock on but least your can push your van away.
and yes moaned like hell at the ins company stating that.
very bad idea on the ins part and they really hate paying out and really do like taking your moneys.


If there was a fire anywhere near our Van i wouldn't be p***ing about trying to move it. Id be getting the family as far away as possible & then making sure no one in the Vicinity of the fire was in difficulty.


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Personbrianconwy
24/8/2008 at 7:10pm
 Location: north wales
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I was surprised it says two hours.  I thought you had to get the locks on straight away.

Brian


PersonLegsDownKettleOn
24/8/2008 at 7:36pm
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Our policy has to have 2 locks on within 2 hours and one on immediately if left unattended. If I stopped for a sandwich then I can put the hitch lock on without bothering with the wheel clamp.

I never bother to put the wheel clamp on onsite either. I once asked a site manager why they didn't allow continental vans to be told it was because the door was on the wrong side. I suggested that the van just be turned around, but was told that this was a fire risk as the van couldn't be hitched up if a fire broke out.
If any van was going to be stolen off a site, I'm sure the theives would find a newer more valuable van than mine to steal anyway.

If a fire broke out in the van next to me, then I wouldn't bother trying to save the van, but if one broke out at 7 or 8 vans away then I would be trying to move PDQ

I read "proprietory" as being a proper wheel clamp rather than a lump of chain or a home made jobbie. To be honest though, if I made one then odds on it would be a damn site tougher than anything you bought in the shops. It'd probably take an hour to fit though.


Persondaved
24/8/2008 at 8:07pm
 Location: North East
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Quote: Originally posted by wildie on 24/8/2008
sorry but using a clamp on site how the hell you going to move your van away in the event of a fire quickly enough!

Would it really make any difference at all? I have been caravaning 24yrs plus and never yet seen a van on fire. I have seen empty plots where one stood earlier.

I'd cheerfully abandon the van if it went up but i dont want it nicking.




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davedy@nyms.net



Personashwellgirl
24/8/2008 at 10:31pm
 Location: Herts
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When we 1st started out i wondered why everyone was putting wheel locks onto their caravans.  When i went to insure my new(er) caravan the clerk told me that i had to put a wheel lock on the caravan when we are pitched.

Jeannie


Personmickie07
24/8/2008 at 11:35pm
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We experienced a caravan fire on field at site we were staying 2 weeks ago.  Not one person attempted to move any vans, just get themselves and families out of danger!  We always attach hitchlock when on site.


Persondaved
25/8/2008 at 9:01am
 Location: North East
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Quote: Originally posted by mickie07 on 24/8/2008
Not one person attempted to move any vans, just get themselves and families out of danger!

Absolutely spot on actions.

Preservation of life, then and only then and only if completely safe, property.


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davedy@nyms.net




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