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Subject Topic: Storage Insurance Post Reply Post New Topic
19/3/2012 at 10:52am
 Location: Warwickshire
 Outfit: Lunar Astara 523
View mrslammypie's Profile View Profile   Reply to mrslammypie Reply   Quote mrslammypie Quote  
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Hi all, I have managed to find caravan storage for half the price of what we were going to pay its £20.00 per month.

I spoke to the owner and said I take it you have insurances and he replied no you have to have your van insured.

Is this normal practice?  our van of course is insured, but I thought they would also need some kind of insurance.

Or is this why it is so cheap.

Any advice would be appreciated.

So much too learn!



19/3/2012 at 11:29am
 Location: Lichfield
 Outfit: Coachman Amara 450
View tango55's Profile View Profile   Reply to tango55 Reply   Quote tango55 Quote  
Joined: 15/5/2008

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An application for storage facilities has to follow certain rules and there is a legal process they have to undertake such as planning permission with the local council. If the council are satisfied with the business arrangements then they will grant a licence in order to be able to operate the said business but there are rules and regulations that the site owner needs to comply with that meets with the council guidelines and this should include an appropriate insurance policy to cover for any damage or losses on the land that the caravans are stored. How much they charge is irrelevant as they need to adhere to regulations laid down by the council. If you are unsure then contact the relevant department at your local council and ask whether they site operator should be covered by insurance and if they then decide to investigate and find that the site operators are not adhering to council terms and conditions they could withdraw their licence. 


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19/3/2012 at 6:22pm
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View Mr Muffin's Profile View Profile   Reply to Mr Muffin Reply   Quote Mr Muffin Quote  
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We have had to have our own insurance on every storage we have used and had to prove it



19/3/2012 at 6:48pm
 Location: Southampton
 Outfit: Swift Challenger 570SE & Kuga 2l TCDi
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At our storage, CASSOA GOLD, we are all responsible for our own insurance.


19/3/2012 at 8:03pm
 Location: Hayle Cornwall
 Outfit: Honda CRV Bailey Bordeaux + tents
View nigel16's Profile View Profile   Reply to nigel16 Reply   Quote nigel16 Quote  
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we too are on a CASSOA Gold site and we have to prove that the van is insured. The site offers no insurance at all. I think this is standard practice for storage arrangements.

-------------
Nigel

March 2012 - Dove Meadows
6th July Moving to Hayle


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19/3/2012 at 8:21pm
 Location: horwich bolton
 Outfit: Swift Conqueror 650 with Kia Sorento
View cheryl.mark's Profile View Profile   Reply to cheryl.mark Reply   Quote cheryl.mark Quote  
Joined: 23/10/2006

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Make sure your own insurance is valid as some have stipulations in the small print if it's not cassoah registered such as perimeter fencing etc etc and if your van gets stolen and you've not checked your policy then you may not be insured! The caravan club dont stipulate thats why i use them as ours is stored on a farm inside a secure unit. Some of the cheaper quotes are the ones you have to check? And I was also under the impression that it's you that has to be insured not the storage site. If your van goes whilst in storage it's your insurance you claim off.


20/3/2012 at 10:14am
 Location: Warwickshire
 Outfit: Lunar Astara 523
View mrslammypie's Profile View Profile   Reply to mrslammypie Reply   Quote mrslammypie Quote  
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Thanks, I will check my insurance,

I just thought that if my van got damaged by another van for example whilst in storage should they have liability insurance.

I went to the site last night, there is a locked compound, and its at the back of a fenced off company, so there is no way anyone could get the van out without trashing it.

I have emailed my insurance companythe new address and the only difference between this storage and our winter storage is this farm doesnt have restricted access so my premium may go up slightly.



20/3/2012 at 10:43am
 Location: Lichfield
 Outfit: Coachman Amara 450
View tango55's Profile View Profile   Reply to tango55 Reply   Quote tango55 Quote  
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Yes you need to insure your own caravan for fire and theft etc. but what happens if the site perimeter fence crashes down on your caravan? Try claiming for that one on your own insurance. As the incident wasn't your own fault the site owner would be responsible and have to claim of their own insurance for your repairs so what people are saying about having your own insurance to cover the site owner is utter rubbish. If you have a business then you also have to have the appropriate insurance as well. It's a bit like saying that you need your own car insurance when taking driving lessons which you don't because the driving school is a business and has to be insured for the car, the teacher plus every individual pupil that drives it. 


20/3/2012 at 10:46am
 Location: Warwickshire
 Outfit: Lunar Astara 523
View mrslammypie's Profile View Profile   Reply to mrslammypie Reply   Quote mrslammypie Quote  
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Hi thanks tango55,

that was my point, my van is of course insured, but like you I would have thought they need some kind of insurance if something goes wrong other than theft.

I will press this issue with him.




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