C&CM club house insurance
I have had similar problems ensuring "first receiver staff" fully understand the detail of the situation.
Thus quote accordingly and you are sure that you are indeed covered !
After all no point in having
insurance (motorhome or house) if you do not declare your situation 100%.
If you are "economical with the truth" it could lead to a claim being denied or its settlement value reduced
I have had 2 bad experiences with
insurance claims.
Neither of them a real problem mainly just annoying to see them "Wriggle out" of paying the full amount !
In both cases not in anyway due to inaccuracy on my part !
PS I have had other minor claims which were settled in full and efficiently
Hi
They don't make it easy! Anyone else insured with this lot?
If so can I ask ask if your policy documents say the same, and see what you think of insurers! Are you happy you are clear what the policy wording means? They use a fairly standard L&G policy and by negotiation with the insurers have negotiated extra terms for caravan and motorhome owners which are covered by additional clauses in the policy schedule.
The subject of period of un-occupation is dealt with very briefly by the wording…
<<Your Insurer has agreed that the exclusions of loss or damage occuring if YOUR HOME is left UNOCCUPIED UP TO 90 days. >>
However this is an incomplete and grammatically meaningless sentence missing the most essential words <<do not apply>>.
When I challenged Devitt about this they acknowledged the lack of clarity (which I take to mean cock-up), but nevertheless their respondent assured me verbally and vigorously, that these are the words agreed with the insurers, and that they are meant to mean that all the exclusions for un-occupation in the policy do indeed not apply during any period of absence of up to 90 days continuously. Another respondent confirmed that the cover is not limited to one 90 day period, and that what I had been told last year and the year before to the contrary, was in fact incorrect (so far the last few years I have been pointlessly double insuring items out of the home). The other person I had spoken to yesterday didn't seem at all sure what the policy covered...probably just one 90 day period...although nothing in the policy said so, promised to come back, never did and failed to record half of what I had told her in the policy schedule...arrrgh!
The only 2 clauses that go into any detail are…
Q013 Unoccupied
Q014 Enhanced contents & personal items cover
…but both of these only relate to contents, or items out of the home, or in a van or under an awning.
Everything else is dealt with under the following ‘umbrella’ statement…
<<Wherever the following exclusion appears in your policy booklet:
. Loss or damage when your home is unoccupied for more than 60 days in a row.
It is replaced with:
. Loss or damage when your home is unoccupied for more than 90 days in a row. >>
These are 'intended' to set aside the considerable and onerous list of exclusions that otherwise apply when a house is un-occupied.
I suggested that their policy documents are as clear as mud, they seemed to acknowledge this and said they would discuss this with their insurers…I’m not holding my breath!! They certainly like to give themselves wriggle room.
Ian
