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26/2/2007 at 5:16pm
Location: Devon Outfit: Bailey Maru
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Thought I'd better get an insurance quote for my van today and am now beginning to wonder if it's worth taking out insurance:
My caravan is a 1973 Bailey Maru - yep I know it's old and most companies won't insure, but - my reasoning was mainly for equipment I intend to install or keep in the 'van.
I spoke on the phone to a very nice man from Shield, who, as well as providing me with a quote, enlightened me on a few shall we say myths I had acquired.
Talking about extras to be insured, I asked about TV - 'yes ok,' radio - 'no home insurance,' but I want to fit my own dedicated car type radio - 'no we only cover a radio or that sort of thing if it is fitted in the caravan from new by the manufacturer.'
Which led me to wonder afterwards, what about the other stuff I want to install for comfort, things like a toilet, shower, water heater, perhaps either a microwave or a oven. These are all dedicated caravan accessories but because they haven't been fitted 'when new by the manufacturer' and because they are either fitted to the caravan or are 12v my home insurance is going to tell me that 'it's nothing to do with us mate, it not in your home.
Now the premium was £90 with a £100 excess, their minimum as far as I'm aware, but no doubt, should some naughty person cut off the wheel clamp and the hitch lock, then sneak the van out of the secure storage compound past the 24 hour surveillance or when I'm sleeping in it, the loss adjuster will undoubtedly asses it's value very close to £100.
To my mind what they are saying is give us your money but we won't give you anything back on what you lose, and with the horrendous stories of the reluctant attitude of the police one must ask is it worth it.
Sorry for the long post - must be a rant - but if anyone has any ideas where insurance for add-on equipment can be obtained then I be a bit happier
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28/2/2007 at 8:52pm
Location: Devon Outfit: Bailey Maru
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Quote: Originally posted by Dave487 on 28/2/2007
"horrendous stories of the reluctant attitude of the police" you say. I say have a look at your local force's website and see how they're doing in terms of detection rates, forced on them by Tony Blairs policies, before knocking their good work. People like you, afraid to pay for a bit of quality insurance for your own items, whilst wanting everything that comes your way, really annoy me. Get the best insurance you can afford, for home, car and caravan, then you'll sleep a little safer. Otherwise, let me know where you buy those rose coloured glasses from.
Many thanks for your rant, I'm sure it's added to the discussion somewhere. Now if you'd like to read what I've written you will notice that my concern is not with the police (I'm well aware of their limitations) neither does it has anything to do with not wanting to pay out the money, it is the fact that a insurance company is not willing to insure something that has been added to a caravan that is obviously a part of the caravan and not something that can be classed as part of your home.
I'm sure you can see that paying an insurance company good money for them not to insure something is like....... well paying council tax and then finding the poli...... oh perhaps it's better not to go down that route
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