Pas på dit liv – Du har kun ét

Insurance Times published an article recently stating that the financial ombudsman had decreed that there are certain circumstances in which it would back the policyholder over the insurer, excluding however, instances where keys have been left in or near a car. I was then left wondering if the same would apply to motor homes.

The family and I had a late night in our motorhome playing cards and went to sleep very tired. As a result, when we woke up the next morning we were already late for a rendezvous that we had arranged with our close friends and fellow motor homers, the Wilsons. The usual queue for the shower ensued and by the time we were finally ready to go, our friends had decided to explore the country-side without us.

Then I couldn’t find the keys. We looked everywhere, and in my usual patient and understanding way I first accused every member of the family of hiding them, progressed to accusing them of not helping me to look for them properly and concluded by accepting my son’s version of events that aliens had come from Mars and stolen the keys to my motor home. I went to the cab to get my mobile and call my insurance company for help. I was stranded in the middle of a field with a grumpy family… and it was about to rain.

There, sat in the middle of the cab, next to my mobile phone were the keys! I had left the keys to my pride and joy on display in the cab, and I couldn’t help but wonder if the motorhome would be insured if it had been stolen under these circumstances, and so my mind wound its way back to the Insurance Times article.

If my motorhome had been a car the ombudsman would have considered

Location

Was I in a position to deter a thief

Was I recklessly ignoring the risks

Mitigating factors

Whether I knew about the exclusion in the insurance policy

I would like to think that this kind of thinking would have applied to me and my motorhome. If you use an insurance broker there is a much higher chance of finding a comprehensive insurance policy to cover you whatever your situation.

For a class leading service in motorhome insurance contact Coversure insurance. Their motorhome insurance is unmatched by other companies and you’ll leave with the peace of mind that you’re covered. You are welcome to reprint this article – but get your own unique content version here.

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If you’re an old insurance man like me, going grey and still carrying a liking for old early 70′s bands like soft machine and caravan, then you probably think that you’ve seen the last of your summer music festivals with nights spent cramped under the canvas of a tent and waking up with aches and cramps in places you didn’t know existed! However, another way to go is to take your motorhome (or somebody else’s) along to the festival and enjoy the music and the atmosphere without the nights spent on the floor under canvas.

Many people have found that the motorhome route is the one to take if you want the best of both worlds. You get all the atmosphere of the festival with the added bonus of a shower and a cup of tea in the mornings, there’s no queue for the loo and the bed is guaranteed to be dry and warm, or at least it will be as long as you don’t leave the sunroof open in a downpour!

Many owners of motorhomes rent out their motorhomes for events like this because they know that lots of people enjoy music festivals but don’t look forward to the camping, however what a lot of them don’t realise is that doing this, while perfectly legal, is usually not covered under a standard motorhome insurance policy.

I remember seeing a couple at Glastonbury last year, blissfully leaving their motorhome in the sunny early hours of the morning having breakfasted under the awning, only to return late at night to find that one of Glastonbury’s famed monsoons had filled the awning with water causing it to twist, break and generally be ruined, That’s about 1000 worth of damage and all uninsured if the vehicle had been hired out without the authority of the insurance company.

If you think you might like to take your motorhome to Glastonbury or a similar festival, or that you might let someone else take it, it is well worth getting it covered for the trip as you really don’t know what might happen.

If you’re not going yourself, it is probably best to start by loaning your motorhome to friends or family rather than people you don’t know because adding friends or family to an existing insurance policy is by far the easiest way to go. So you can watch the festival from the comfort of your own home, safe in the knowledge that your motorhome is being looked after and even if it isn’t, you’ll know you have the right insurance to cover it.

If you are on the look out for motorhome insurance then you should check out Coversure, they are one of the best providers of vehicle insurance providing everything from standard car insurance to caravan insurance This and other unique content ” articles are available with free reprint rights.

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There is a rather oddly titled album by the 1970′s rock band Caravan called “For Girls Who Go Plump In The Night” now I know that this is not the kind of thing you would expect an insurance man to be writing about or even to know, even if he does own one (a caravan I mean!) An insurance man in a caravan is quite possibly not that uncommon, but an insurance man in a caravan listening to Caravan? Surely Not?!

I’m not sure what got me thinking about this subject; I think it was looking back at some photographs of last years Glastonbury festival and noticing, in one guise or another, just how many caravans were there. Obviously as an insurance man I was thinking about their insurance cover and whether or not the underwriters were actually aware just what they were being used for.

If memory serves me correctly there were caravans being lived in, housing first aid helpers, acting as tea shops (and I don’t mean mobile catering units, I mean caravans, proper ones with curtains) used as rest homes for tired musicians and even as the home of paid for showers.

Over in the camping fields there were caravans sheltering security staff from the rain, acting as the temporary weekend home for ageing rockers (some may have even been fellow caravan fans who knows?) and as the meeting point for lost festival goers.

Of course, another big user of caravans at music festivals are the musicians themselves. They usually have massive ones with an extra wheel at the front for steering and they use them for changing in, for hosting after-show parties in and doing whatever it is that rock-stars do.I dread to think. Saying that, I’m not sure if Caravan ever used one, that’d just be too good to be true wouldn’t it? Caravan in a caravan listening to their first album (which is called, you guessed it, “Caravan”). Or even better, maybe they went along in a convoy with their friends – a caravan of caravans including a caravan with Caravan in it, listening to Caravan!

But anyway, before I started ranting about rock-stars in caravan convoys I was thinking about whether or not these caravans had the correct insurance cover and lets be honest, the answer is probably not. If you are considering taking your caravan along to a festival this year then it is well worth thinking about getting proper insurance cover for it. Caravans can be damaged in all kinds of ways, especially at festivals where the fun loving, free-partying atmosphere can sometimes cloud people’s better judgement and out of control festival goers and crowds and the like can do a lot of damage to your caravan, whether it is intentional or not. It could simply slide off on its own if the mud gets too wet, they can flood, catch fire, get blown away, and almost anything you can think of can happen. Fortunately you can insure caravans against more or less anything that could happen to it, even if it gets rammed into by an uninsured caravan being used as a refreshment stand!

Coversure are leading providers of caravan insurance if you are thinking about taking your caravan anywhere where it would be even remotely at risk, you should think about looking into some caravan insurance just to be safe. Don’t reprint this exact article. Instead, reprint a free unique content version of this same article.

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A man called Chester Cooke was once very excited about an idea he had. He wanted to buy a caravan on the banks of the river Avon on a well-kept, professionally owned and run caravan site with plenty of amenities. However, not being the sort of chap that would buy something like a caravan on impulse, he looked into everything that could possibly go wrong, all the hidden costs and anything that could potentially cost him over and above what he was willing to pay.

So he then called his broker and said that he was looking for some caravan insurance. His broker then told him that that shouldn’t be a problem and he would be more than happy to get him a quote. So Chester gave his broker the details of the caravan and where it would be situated.

A few minutes later, the broker called Chester back and said that unfortunately he was not able to find any insurance companies that would offer him insurance, not because of the caravan itself, or even the site that he had chosen, but it was to do with the exact spot that he had chosen. It was right on the bank of river Avon, which had flooded the year before, causing a massive number of insurance claims on the grounds of water damaged property, and so now insurers were very wary about insuring caravans that were right on the water’s edge. This meant that if Chester really wanted the caravan, and he wanted it right there, it would have to be at his own risk.

This news meant that Chester would have to re-think his ideas about buying a caravan. Since it was highly likely that the Avon would flood again at some point, he couldn’t afford to risk placing it there without insurance. He asked his broker what the “normal criteria” of a caravan site was so that he could bare it in mind if he was still going to go ahead and buy his caravan.

In terms of insurance, the ideal caravan site should be a registered CaSSOA site, this is because these sites have security standards that all caravans must meet. If the caravan is to be placed less formally, for example, on a farm, then the caravan should have its own compound with a defined perimeter. Some insurance providers insist that a caravan site has a minimum number of caravans. A sort of, “safety in numbers” logic. Another thing to look for in a caravan site is a defined boundary that is secure and would not allow uninvited people to come and go as they please.

Chester hadn’t really though that the insurance would play such an important part in the buying of his caravan. He was just appreciative of his knowledgeable broker who could steer him in the right direction, after all, he just wanted to enjoy his caravan and the insurance was just to take to worry out of owning one.

Caravan insurance is one of the most important factors to consider when considering purchasing a caravan. Coversure are a leading provider of caravan insurance and can offer you advice, or a quote to insure your caravan Click here to get your own unique version of this article with free reprint rights.

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