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Subject Topic: Caravan Insurance - help please Post Reply Post New Topic
Personlottieskinner
18/2/2015 at 1:58pm
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We've bought a caravan and intend to live in it over the next 3-4 years. We are going to use my mum's address as a permanent address, and we'll get on the electoral roll there etc, but we won't actually be staying there any of the time. How have people doing a similar thing gone about getting caravan insurance? Did you get normal caravan insurance and take a risk of the company not paying up because you were actually living in your caravan or did you find a company that would insure you for living in your van. Our outfit is worth a lot of money so I really don't want to risk that kind of money, but I'm wondering how they can prove you use the caravan as a residence? Can they find out what sites you have stayed at and see you've been at caravan sites all year round? Can they check where you are employed for example? We intend on staying in 3-4 different places for largish chunks of time, during which my husband will be getting a job. If we try to claim that our permanent residence is in Cornwall for example but one of us has a part time job in Yorkshire, will that pose a massive risk for us? Any help would be so much appreciated. Please pm me if you don't want to share this info publicly.


Personromany girl
18/2/2015 at 2:15pm
 Location: Derbyshire
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Im sorry Lottie, but there is no PM system on this forum, you can ask admin to pass a message on for you, or you can briefly display your email address for others to reply to, then remove it immediately someone has responded.

One method that people can be traced by the authorities is via their financial transactions and credit check companies such as Experian. Every time you make a financial transaction other than cash payments in shops ect, it is flagged up electronically and the details held for several years by one of these authorities. I requested a copy of my own report a couple of years ago and l was amazed how detailed the information on me and my whereabouts, travel, banking, income, past finance agreements, and personal details were.

Good luck with your plans anyway,

Julia

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Just love to be out amoungst Nature and Wildlife

Celebrating 37 years of Caravanning in 2019, Recently Considered Retiring, but Totally Addicted for Life!


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PersonGrampian91
18/2/2015 at 3:13pm
 Location: Midlands
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You need to be truthful with insurance. All too often it comes back to bite people.

People insuring cars in lower risk areas is a big problem for insurers, Mostly people get away with it.

But when its registered in Scotland and you had an accident in London gets a second look. They want to call you on a landline whilst your at work. Or check where you work is one of teh first things they look at.

They know your unlikely to commute from Cornwall to Yorkshire.

Risky not giving them the full and correct details.


Personlottieskinner
18/2/2015 at 3:43pm
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That was my feeling too, that we should be 100% honest. Does anyone know any insurance companies that provide insurance for living in a caravan?


PersonAndyf451
24/2/2015 at 5:17pm
 Location: West Yorkshire
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I am having the same problem. Going to Penzance for the summer, told my current insurer who promptly cancelled the policy. Spent this afternoon on the phone, and finished up being referred back to Call Connections where I started.


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Personbarney68
24/2/2015 at 5:49pm
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I think what you are considering doing is FRAUD,but the insurance companys will find a way out of paying up anyway.

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Barney


Personbilly
24/2/2015 at 7:34pm
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I can't see how it is possible to legally insure a touring caravan for permanent living using an accomodation address. The method used by fulltimers in caravans or motorhomes with no permanent address of their own is to insure using address of relative/friend pretending they live there with that address used for their banking & their vehicle insured & registered from that address as well. You could even have a rent book to show you are renting a room in their house.

You are effectively on permanent holiday in your caravan, even your car insurance will be dodgy because it is not being kept at insurance address. Its mickey mouse but thats how its done. It depends how you look at it, legally you are living at you mum's house, you may well drive back to visit her, you may park your caravan on her drive for a few days.

Its just interpretation, if you had an accident while towing or your caravan caught fire on a proper campsite anywhere in the country then why should insurer suspect anything more than that? You are away in your caravan, whatever goes wrong & you make a claim.

I fail to see how you can insure anything on the basis that you live permanently in a touring caravan that you park on various touring sites. You would not even be allowed a bank account or credit card, I don't think.




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