Caravan and motorhome club insurance

[Pudsey Bear]

????

 

[Wrighpm]

What puzzles me is what the MOT has to do with a theft claim. It was stolen period. You did not leave the keys in it with the engine running.... which might be conceivably a reason for an insurance company to dispute a claim.
On the contrary you booked an MOT and drove legally to the MOT station.
I suggest the ombudsman route is a the way to go. Meantime I hope everyone reading this will boycott the company. We had a moho stolen (Transit mk7) and LV were fantastic. Sadly they no longer offer moho insurance.

 

[Geek]

Meantime I hope everyone reading this will boycott the company

I would strongly suggest this in any case.

They sell exactly the same policies that other brokers offer more cheaply because they don't have the overhead of the hefty commission paid to the C&MC.

And I seriously doubt that other insurance brokers offer the same level of indifference and incompetence

 

[CriftinsCampers]

What puzzles me is what the MOT has to do with a theft claim. It was stolen period. You did not leave the keys in it with the engine running.... which might be conceivably a reason for an insurance company to dispute a claim.
On the contrary you booked an MOT and drove legally to the MOT station.
I suggest the ombudsman route is a the way to go. Meantime I hope everyone reading this will boycott the company. We had a moho stolen (Transit mk7) and LV were fantastic. Sadly they no longer offer moho insurance.

See my post #12
Op has not replied to anyone recently, there’s almost certainly more to this than originally provided

 

[Wrighpm]

See my post #12
Op has not replied to anyone recently, there’s almost certainly more to this than originally provided

Agreed, it is hard to fathom how the insurance company would behave this way given what we have been told thus far. If 100% of story accurately portrayed I think Ombudsman would rule in favour of claimant.... getting reason in writing as suggested in post #12 is 1st step

 

[Okta]

I wonder if the insurance company are questioning whether the journey was only for the purpose of the MOT. Things they might be surprised by include a garage that doesn’t open until 10am and travelling at 8.30am to avoid traffic. Many of us find that time of morning particularly busy.

 

[Geek]

I wonder if the insurance company are questioning whether the journey was only for the purpose of the MOT. Things they might be surprised by include a garage that doesn’t open until 10am and travelling at 8.30am to avoid traffic. Many of us find that time of morning particularly busy.

I wonder if the insurance company got the correct information, if it went via those brokers.

 

[Pudsey Bear]

It would be nice if the OP actually kept us up to date now and then.

 

[EdwardLouis]

Hello all
I have owned my campervan for over 8 years now and have insurance via caravan and motorhome club, it is underwritten by DEWITT insurance brokers and insured with AXA...I have unfortunatly had my drivers licence revolked due to health reasons which took 3 years for DVLA to issue me a "medical drivers licence" so in reality I have not driven for 3 years...you can imagine how happy i was to get my medical drivers licence which is only valid for 12 months so booked my MOT and ferry tickets ASAP.
All the time my campervan has been parked on my driveway always taxed and insured... heres the thing...
I booked a MOT at the same station that has done it for the last 6 years and while I had parked my camper outside the MOT station at 8.30am so i beat the traffic, I went to grab a coffee as MOT opens at 10am...it was stolen during the 90 min that I was away...,it was locked with a factory fitted alarm immobiliser and a after market steering lock....No evidence of broken glass on the road where she was parked....
AXA insurance now claim they will not be settling my claim as the van did NOT have a valid MOT certificate...surely the fact that i booked it in and was parked outside waiting for them to open shows intent to get a MOT...she was in perfect condition and had always passed the MOT in the past as only400 miles covered since last MOT...
Please advise as I am totally flabbergasted here....

"Carloss"

That’s really unfair. Having it booked in for an MOT shows clear intent, so it’s worth pushing back on the insurer and seeking advice.

 

[Geek]

I suspect that we have not heard the full story. If what has been described has happened, as you say, it appears blatantly unfair. And sufficiently so to be worth fighting.

Even if it fell outside the legal limits of policy conditions (which I doubt) the PR hit for refusing the claim in the described circumstances would be significant.

Unfortunately, the original poster has not brought us up to date. If they no longer have a motorhome, it's no surprise they haven't paid to be a full member here. Does that limit how many times you can post here?

 

[Geek]

wonder if the insurance company are questioning whether the journey was only for the purpose of the MOT.

Not relevant. The journey has to be direct to a pre-booked MOT test. It does not have to be solely for that purpose.

Indeed, it is normal for there to be a second purpose: to have the vehicle repaired so it will pass the test.

I was once in the SW of England and needed a new MOT. I booked it at my local garage (in West Yorkshire) and drove directly there, stopping one night on the way. I also stopped to refuel en route. I was still driving direct to the testing station.

I know of people who have driven thousands of miles across Europe 'direct to the MOT test'.

Clearly, if I had gone via Kent or Aberdeen, that would have not been direct to the testing station, but it does not have to be a non-stop journey nor does it have to be the shortest possible route.

The thing I would question is why they went to a coffee shop. I'd have made a coffee in the van. However thats not a legal requirement either!