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I am in a quandary.  In my haste to book the ferry to France through the CC & C I did not check my current caravan policy thinking it ran out in June.  When booking the ferry I booked the personal, medical and motoring insurance as I thought it better to have insurance under one umbrella.  Several days later looking through my Caravanguard policy which covers theft and damage etc I saw that it covers 90 days european travel but I nothing that shows what that cover entails.  Doh!  It actually runs out two days after we return from France but checking with the CC & C , the cover only starts with the holiday.  If I cancel the Caravanguard now the caravan is not protected before June .  I only have 5 days left to cancel the CC & C.  and I know that you are not supposed to have more than one insurance as they will fight with each other as to who pays out.  I'm thinking that I should cancel just the motoring bit of the CC & C but worry that Caravanguard may not be as good at recovery.What would you do?  

Carol

Hi, I would be surprised if your CaravanGuard policy includes motoring breakdown!   because the towcar would not normally be covered under the caravan insurance.

We always take out separate European Breakdown insurance and medical/personal cover - there isn't really any overlap between this and our caravan insurance (which also includes European use).

The European use clause, just means the caravan is covered for the same eventualities in Europe as it is in the UK, not extra cover such as breakdown of the towcar!

Quote: Originally posted by johnnyg56 on 13/12/2009

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Don't forget that in most cases your UK car insurance reverts to 3rd party only when abroad and that you can obtain a green card form them to up the cover to fully comprehensive.

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Thank you everyone for your help.  From what you say the Carefree insurance seems to be just for the holiday and as I'm not certain what Caravanguard does cover abroad and I would be happier covered for all eventualities,  I will retain the Caravanguard insurance as well.   Insurance is certainly an expensive hidden cost of the holiday, I was hoping I might have been able to save the 100 quid on the motoring!

Cheers

Carol

Well, it is certainly a minefield.  I have checked with the C&CC about the caravan only cover and it can't be a question asked that often as I had to wait several minutes for the advisor to consult with a colleague.  If the car and caravan are attached and the caravan wheel falls off you are covered as a unit, for standing alone did'nt think so.  So after all your help and suggestions, I am now keeping Caravanguard in case there is a problem in the standing alone situation abroad and for cover whilst in England or on the drive, with the single trip cover from C&CC that should get us and car/caravan home.  Just hope I don't need to contact either of them!

Cheers

Carol

Quote: Originally posted by jennifernn on 14/12/2009

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This is why you need both the Caravanguard insurance and the C&CC travel one.

Hope that helps! Insurance is often tricky to figure out.

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Hi Jennifer, thanks for spelling it out.  I am happy that I have got the proper cover now.  I felt miffed when I thought I was paying twice for the european cover but the mist has finally cleared.   OH always leaves things like this to me as I am the "officey" one and he is the hands on manly jobs one,  but I made him read both policy documents and now he is very  very glad he leaves it to me.

Cheers

Carol