im about to go to the southwest as a warden and i cannot get any insurance to either tow the van to the site or insure the van whilst living in the van on site as a warden. as usual procedure the insurance offer me insurance for the year to get to site but as soon as i live in, the policy becomes void so it has to be cancelled you guessed a fifty pound cancallation fee plus one months premium to be paid i have contacted 15 companies today and all refuse insureance on the van. i called the ombudsman who passed me on to abi association of british insures who in turn passed me on to biba british insurace brokers association who passed me on to a broker who in turn doesnt do caravan insureance unless its commercial buidlings.
so i give up unless anyone knows better. where i can get insurance as a warden so it shows that the isurance companies are a scam buisnesses robbing us blind ive insured caravans for 25 years with no claims so they are legalised thieves. try to complain and your fobbed of and passed around till you give up and you waste half a day can anyone help please
try the CCClub as they use a lot of wardens and this question must have come up before for there wardens,failing this try NFU.once on tow you are covered for any damage from your car or caravan on your car insurance but not for the repair of your caravan.
most sites and clubs have to insure the wardens van on the sites policy as do the cccclub and ccclub but they will only do it for there own wardens not for others will try nfu now
Are you looking at this the wrong way? Policies state that the caravan is not insured for permanent living, ie your only home. If you tow you caravan to a site, live in it for the season then tow it home afterwards you are not living in it permanently. I presume you still have your home adress so this is no different from going for an extended tour.
Plenty of people live in their caravans on sites while working away from home & insurance policies state caravan is insured only for 'social domestic & pleasure use' which will include sleeping in it while working as well as on holiday.
Quote: Originally posted by webload1 on 16/3/2011
sorry but sold house leave the rat race behind going southwest for summer going spain winter so no actual home address anymore
We have done the same (sold up) everything is registerered to our daughters address is there anyone's address you could use, if asked where we live i say with our daughter but spend alot of time in our van
------------- avenge yourself live long enough to be a problem to the kids
If it is going to be your permanent residence maybe you need to insure it as a mobile home instead. This is probably why the insurance companies won't insure you because it doesn't apply in their terms and conditions as a touring caravan. At least it's worth a try and see if you have any success.
Anybody who fulltimes needs an address, ie a relatives' home, you can't really function in the UK for practical purposes without an address. Most fulltimers just insure from their(theoretical)adress.
Try contacting this guy - bakers_cottage at btinternet.com (don't forget to replace the word 'at' with the squiggly symbol) - he sold up last August and lives full time in his touring caravan, he might be able to put you on the right track re insurance.
------------- Tigermouse
I have a very temperamental personality - 50% temper and 50% mental