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Hi There,

We have just received a letter this weekend from our insurers to say where we store our caravan is at Risk of Flooding according to Enviroment Agency and they are therefore cancelling our insurnace on the van unless we move it to another site..On checking the site they gave we are not in the area for flood risk and the river would have to rise 25FT to get over the railway line and past the sub power station to get to the Storage site. Plus we have just renewed our site fees and also been insured 5 months into a brand new year with them. We have been insured with E&L for nearly 3 yrs no problems before. Any one else had this problem with any insurance company

No, but just wait for comments and observations about E & L!

Another good insurance company to try is..........anyone other than E & L.

Good luck.

Al.

I assume they are refunding the premium?

Are the site owners insurers listing it as a flood plain now? If not I would ask when did it became an issue and if it has just changed status then I would ask they see the policy through because you may need time to find someone who will cover you for flood.

I have just had a thought, ask them that if you happened to go to a site that was in a flood plain and it flooded, would they cover you.

not called the insurers from EL for nothing ,try one of the Clubs for a better deal any one but E L .

Dave ps would not cover me becouse ours is stored in a locked building on a working farm

Waiting to hear back from them re this issue as we have stated that there are not many places to site a caravan near us in Leeds not near a flood risk area as most are along a water course except 1 I know of near the airport and is very expensive.

I have worked in the Insurance industry and know that once refused insurance on any grounds or it has been cancelled they see it as the same risk.Very hard  to get insurance

We went as they came up  at a reasonable cost and have not been outrageous qoutes as per club insurance.

You need a decent broker perhaps who can phone around and state your case.  I would certainly try the caravan club too, I never buy based on premium but on the quality of the product and service provided.

I too work in the industry.

Ali

Have put the storage site postcode into this website?  http://www.environment-agency.gov.uk/homeandleisure/floods/31656.aspx 

If it shows the site aint in a flood risk area I dont see how they can refuse you insurance on flood risk grounds.

 Hi, change your insurance company Pronto E&L = Hell do a search on this forum on them,nuff said! caravanguard are very good,also heard good reports about Park homes.hope this helps

We use C&CC insurance as very cheap, & also willing to insure our van - well, it is 20 years old, but in pretty good nick - many other insurers declined due to the age of the van.

Just a thought - is the storage CaSSOA registered - if so, they have deals with insurers for gold rated sites - we got a list from the storage company when we moved in.  Perhaps, given the situation, if it is registered, CaSSOA could be contacted & either advise, or if you're hitting the same issues with several insurers they could step in & try & sort it out for you.