In 2015, Club Care Insurance’s touring caravan insurance policy was awarded 5 Stars by Defaqto for the fourth year running, reflecting the high quality insurance you will receive from your Club Care policy.
While everyone knows that being awarded 5 stars is a good thing, what isn’t always clear is what these stars actually mean for you, the insurance customer.
The table below shows how our Touring Caravan Insurance achieved the 5 Star rating from Defaqto and how this affects your policy.
|Feature of the insurance policy||Criteria as defined by Defaqto to be awarded a rating||What you get from a Club Care policy|
|New for old cover||Your policy may include cover which replaces your caravan with a new one of the same make and specification if it is stolen and not recovered, damaged and considered a ‘total loss’, or the cost of repair is above a certain percentage of the recommended retail price. Typically, this cover is provided for caravans under 5 years old.||This policy replaces a caravan with a new one of the same make and specification if it is lost or stolen and not recovered, typically for caravans under 5 years old. Club Care offers new for old cover for all customers up to 10 years old, and for Camping and Caravanning Club members up to 15 years old. Club Care also offers market value cover and agreed value cover.|
|Storm damage||Policies typically provide cover for certain insured perils, for example where storm damage is included, cover is provided for the costs of repairs needed following damage caused to the caravan by storms.||All Club Care policies cover as standard the costs of any repairs caused by storm damage.|
|Flood damage||Cover is provided for the cost of repairs needed following damage caused to the caravan by a flood. Some policies will impose an exclusion period at the policy’s inception where claims for floods cannot be made.||All Club Care policies cover as standard the costs of any repairs caused by flood damage. There are no exclusion periods on Club Care policies.|
|Awning cover||Loss or damage to your awning may be covered as standard under the definition of the caravan, or it may be offered as an optional extra. Specific limits may apply following a ‘theft’ from an awning.||Club Care will insure your awning as standard up to the value of your total sums insured. Theft from your awning is also covered, but limited to £125 per item up to a maximum of £500 for all items on any one occasion.|
|Equipment cover||Cover for loss or damage to the caravan’s equipment may be covered as standard or offered as an optional extension. Equipment can include fixtures, fittings, furnishings, and utensils.||All camping and caravanning equipment, including tents, toilet tents, gas bottles, batteries, security devices (including wheel clamps), stabilisers, generators, satellite dishes, solar panels, aqua roll, air conditioning units, motor movers that are not fixed to the caravan, camping lanterns and sports equipment, will be covered by your policy as standard up to your sums insured.|
|Contents cover||If available under the policy (either as standard or as an optional extra), cover is provided for personal contents that are damaged, lost or stolen.||Club Care policies cover your caravan contents as standard up to your chosen sums insured. With Club Care Insurance you simply have to select the amount of cover you require. Depending on the level of cover purchased Camping and Caravanning Club members can enjoy up to £1,500 FREE contents cover.|
|Alternative accommodation||If your caravan suffers loss or damage while in use and you can no longer stay in it, the policy may include cover for the extra costs incurred for hotel accommodation or hire costs for a replacement caravan.||If your caravan should be stolen or damaged during your holiday then Club Care will pay 5% per week of the unit sums insured up to a maximum of £3,500 towards alternative accommodation or the hire of a similar caravan to allow you to continue your holiday as standard with all policies.|
|Friends and family use||A number of policies also allow the caravan to be used by your family or friends. Cover may be included as standard or provided as an optional extension subject to the payment of an additional premium.||Club Care Insurance policies allow friends and family to use the unit at no additional charge, provided that their names are confirmed in advance and added to the policy. More details are available about what is included and how to add someone to your policy.|
|European cover||Where this is included, the policy provides the same level of cover abroad as it does in the UK. Most policies will tend to limit cover to a certain number of days at a time.||Club Care’s flexible Insurance policies allow customers to purchase up to 365 days European cover a year. However if you are not going to Europe you can remove this aspect of the cover and save on your premium.|
|Public liability||Cover is provided if you are found to be legally liable for causing death, bodily injury or illness to any person, or accidental damage to their property.||Club Care insures as standard against public liability for causing accidental death, bodily injury or illness to a third party, or accidental damage to a third party's property arising from the ownership and use of your caravan. You can choose cover between £1million and £5million.|
|No claims discount protection||This feature protects your no claims discount so you do not lose it following a claim and is usually provided as an optional extra. It is usually subject to restrictions on the number of claims that can be made. For example, some policies will allow two claims in a three year period before they will reduce your no claims discount.||Club Care offers this additional cover for just £10.60 and offers generous limits of two claims in a three year period.|
If Club Care cover offers you all the benefits that you are looking for, then get a quote today and sign up to better quality cover. Cover starts from just £48 per year.
I am relatively new to caravanning and am not familiar with some of the ins and outs, so I particularly appreciate your good humoured and patient approach when going through the details of the cover and in talking me through some of the issues.Testimonial from Colin Bunyan, Touring Caravan Insurance policyholder