'No wheel clamp' policy on storage site
Our storage site (Cassoa Gold standard) has just brought in a new 'no wheel clamp' policy following a fire on the site when they were unable to move some of the caravans out of danger. However, we get a 10% Caravan Club insurance discount for always fitting the wheel clamp and they tell us we would lose the discount if not fitted, even if stored on a Gold storage site. Has anyone else had this problem? The site tells us that if we continue to fit the wheel clamp we will have to suffer any damage caused to the caravan if it is moved with the wheel clamp on, but is it worth this risk rather than lose discount? Advice please, or does anyone know of an insurance company that will still give a discount for fitting wheel clamp only when away from storage site?
Am with C&CC and if Alko wheelclamp and a hitchlock not fitted then I dont get paid out so Id rather it be burnt or damaged and paid than have it stolen and not get paid.I photo it on camera each time for proof,can't think of any other way to prove they are on.
Hi Wendy
Have you asked the site owners to confirm in writing they will pay you the full market value or brand new replacement value ( as your own policy may do) if the caravan is stolen from their premises when the wheel clamp is off?
10% premium reduction is quite a lot to lose these days .
Our insurance company states that the wheel clamp and hitch lock must be used at all times including when attached to the towcar if left unattended. That means that we would be failing to comply with the terms and conditions of our insurance if we didn't use the wheel clamp.
Also I don't want anyone moving my van but me, what would happen if it got damaged, who would be liable? Would the storage owners take responsibility? If I was told that I couldn't use my wheel clamp then I'm afraid I would find another storage site that didn't have the same rules.
mines the same as above if left for more than 30 mins, wheel clamps,hitch lock and leg locks must be inplace.
mike
what happens when you put winter wheels on will they replace your tyers next summer.
The point is the site onwners can lay down any conditions they like, If you can't or don't want to accept their terms, then find somewhere else to store your van.
Hi to you all out there.The Golden Rule is Don't Give The Insurance Co any excuse to leave you scratching your head and using four letter expletives.The site owner where are van is stored(a CaSSOA approved site Silver Status)lives on site.The site has an imposed maximum number of Permitted Caravans to be stored.This is set by the local council and is monitored rigorously.
The site owner insists on maximum security for your own property,proof of insurance otherwise No Storage and contact phone numbers in the event of an unexpected need to get you to the site.
Scrutinise the details of your Insurance Policy, ALL of THEM. If errors/ommisions are found have them corrected and New Confimation Documentation sent out.Oh,and go through that with a Fine Tooth Comb as well.
I always feel rather sorry for the problems that you over there on the other side of the Channel have with stolen caravans and related insurance issues. Despite my caravan not having locks of any sort I have never felt uneasy about it being parked anywhere, whether on the storage site or even out in the street.
Whenever we see caravanners arrive at a campsite over here on the Continent and the first thing they do after stetting up pitch is to fit wheelclamps, etc. one can be 100% sure that they are from the UK.
Thank you to everyone who has replied. We will continue to fit our wheel clamp whilst on the storage site - and everywhere else for that matter. If there's a fire our insurance company will pay out and at least then we're covered if it's stolen. Hopefully we won't be asked to find another storage site for our caravan as there aren't any others round here! Thanks again, Wendy
You need to establish exactly under what circumstances storage site operatives would be allowed to move your caravan.
If they are only allowed to move your caravan in the direst of emergencies such as to avoid fire or flood damage fair enough, the insurers would have to pay for any damage minus your excess.
If they are allowed to move your caravan at any time such as when they want to cut the grass or because a neighbouring caravan can't quite get in then it's no good leaving the wheel clamp on.
Would the storage site not be prepared to hold a spare key for your clamp so that they can remove it if necessary?
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