CMC INsurance taken our money now want an extra £150

[scotzsue]

As above got quotation form CMC gave full details got quote for £317 + odds, accepted quotation and paid.
Today john gas been informed they want an extra £145, he phoned and it was obvious person was reading from a script, denied we had been given that quotation although we have it in writing. Couldn't give an explanation for the increase.
only thing we can think is storage site, although it now has improved security, is no longer CASSEO
Really peed have only a few days to sort this out.

 

[Spriddler]

Couldn't give an explanation for the increase.

Since you have the quote in writing insist upon speaking to someone in authority who can explain the increase or give you a full refund.

......quote for £317 + odds,

Just to be clear, what do you mean by 'odds'? Was the quote £317 or not?

 

[RandallC]

If you have already paid AND they have taken/accepted payment then they have essentially contracted service at the paid price.

(he said not knowing if actually true but would argue very strongly that's the case)

Don't see how they can come back for more if they made a mistake, tuff. Only thing check T&Cs for cancellation small print. Have you got legal cover/union membership or contact the Citizens advice if pushed.

Good idea to speak to supervisor etc before going to too much effort.

Good Luck

 

[scotzsue]

Since you have the quote in writing insist upon speaking to someone in authority who can explain the increase or give you a full refund.


Just to be clear, what do you mean by 'odds'? Was the quote £317 or not?

£317 and some pence ie less than £318 John has emailed CMC John has sent them copy of original email and documented all that has happened since, not holding our breath we have had another quote but is it quite a lot more

 

[Vanman]

Quite a lot of the cost of Insurance seems to revolve around where the vehicle is stored. If there has been a change in that state i.e. from a CASSEO registered site to an un-registered site, then that might explain it.

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[Carolyn and Kev]

CMC dont normally recognise a storage yard as being safe. If you stated it was at the storage yard when you came to pay up...it will because of that. If it's on your own driveway they see it has being safer at your home than they do in a storage yard registered Cassoa or not. Most break ins take place in storage apparently?

Kev

 

[scotzsue]

If you have already paid AND they have taken/accepted payment then they have essentially contracted service at the paid price.

(he said not knowing if actually true but would argue very strongly that's the case)

Don't see how they can come back for more if they made a mistake, tuff. Only thing check T&Cs for cancellation small print. Have you got legal cover/union membership or contact the Citizens advice if pushed.

Good idea to speak to supervisor etc before going to too much effort.

Good Luck

nicholsong can you give me any advice on this.

 

[Carolyn and Kev]

Add to above.......We are on a CaSSoa site with ours but with Comfort Insurance. They are currently 60 pound cheaper too

Kev

 

[Pausim]

If the extra cost is CASSOA related that seems a bit rare as the CMC‘s own storage sites don’t have CASSOA ratings. NFU, my present insurers, said they didn’t mind whether it was stored at home or away the cost would be based on the post code for wherever it was kept.

 

[pappajohn]

Quite a lot of the cost of Insurance seems to revolve around where the vehicle is stored. If there has been a change in that state i.e. from a CASSEO registered site to an un-registered site, then that might explain it.

That is a risk insurers take when insurance is taken out.
If it wasn't they could alter anything they want and charge for it after the insurance risk is accepted.

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[nicholsong]

nicholsong can you give me any advice on this.

It would be difficult for any lawyer to advise without more information.

The only written information you have referred to is the quotation. From then on I assume all communication was oral.

Without further written evidence, recordings or transcripts of the conversations it is difficult to prove at what point and on what terms a contract was made and the reasons for the increase, plus their T&Cs.

Sorry but best I can do at the moment.

Geoff

 

[Brains]

We are with Comfort
We are not on a Cassoa registered site
However after Comfort had a questionnaire filled in (by us) about security at the site (CCTV, 24hr onsite presence, fencing, automated gates etc.) they decided that the site met Cassoa specification.

Therefore it may well be worth talking to Comfort and telling them the site was Cassoa, but no longer is, due to the owners not wanting to pay the fee, not because of any drop in security level.

As far as I'm aware, there is no advantage to a site owner paying the (quite hefty) annual Cassoa membership fee, other than they may get a bit of extra business from people who go down the list of sites as the insurers may reduce their premiums.
As most storage sites are now running waiting lists, they don't need any 'advantage' of being listed by Cassoa

 

[Vanman]

That is a risk insurers take when insurance is taken out.
If it wasn't they could alter anything they want and charge for it after the insurance risk is accepted.

Sorry, I got the impression that the circumstances had changed. Any change could affect the cost, even if it's just been renewed. The price isn't set in stone if anything changes.

 

[Jenka]

CMC dont normally recognise a storage yard as being safe. If you stated it was at the storage yard when you came to pay up...it will because of that. If it's on your own driveway they see it has being safer at your home than they do in a storage yard registered Cassoa or not. Most break ins take place in storage apparently?

Kev

Not true ,i moved from rear of house secured to gold cassoa and saved over £100 ! They actusly refunded .

 

[RandallC]

nicholsong can you give me any advice on this.

Not with any certainty in that from work days there was an offer, offer rejected or accepted or counter offer. if the original offer (in this case CMC) had confirmed by taking payment that you had accepted their offer and they then confirmed they had confirmed acceptance then that's a contract.

Was saying in my Registered Engineering days was a member of a professional union to ensure if anything unplanned happed i had legal cover so if you have union membership they may have legal help depts to give you advice. If you have legal cover on existing insurance policies they may be inclined to give you a bit of free advice. CAB will always give free advice.

If you search on this forum for insurance you may find references to L&V much cheaper than most as they insure on market value. YOU NEED TO MAKE SURE that they understand its a motorhome, its value is XYZ has extras fitted which cost OMG so the total value of the MH you are insuring is OMG+XYZ + THE I forgot something factor.

Again good luck, worst case outcome you have 14 days to cancel and get your money back and walk away.

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[Carolyn and Kev]

Not true ,i moved from rear of house secured to gold cassoa and saved over £100 ! They actusly refunded .

Is your site actually recommended by the club? Is that written down? I've looked at two documents produced by the club and can't see any such recommendation (apart from their own sites of course) and I've also looked at the CaSSoA website and there is nothing there? Could you name the site?



Just re insured ours with Comfort because CMC said and I quote " The higher premium is because you will keep it in storage sorry ,
If it were to be kept on my drive then the price would differ by £60 if locked in your garage" ?? I don't have that facility and privilege of owning that sort of space to be honest. Was not an option.
They offered a £25 discount though if i were to take the policy on with them.... however...they would not offer the allowance for it to be kept in a Cassoa site without the added premium being added on top. Stupid really but that was of 24th Feb 22 last few days. Guys name was David and i do have a ref number too. As stated ...we went with Comfort and saved a fair bit . More than happy.

Kev

 

[Jenka]

Is your site actually recommended by the club? Is that written down? I've looked at two documents produced by the club and can't see any such recommendation (apart from their own sites of course) and I've also looked at the CaSSoA website and there is nothing there? Could you name the site?



Just re insured ours with Comfort because CMC said and I quote " The higher premium is because you will keep it in storage sorry ,
If it were to be kept on my drive then the price would differ by £60 if locked in your garage" ?? I don't have that facility and privilege of owning that sort of space to be honest. Was not an option.
They offered a £25 discount though if i were to take the policy on with them.... however...they would not offer the allowance for it to be kept in a Cassoa site without the added premium being added on top. Stupid really but that was of 24th Feb 22 last few days. Guys name was David and i do have a ref number too. As stated ...we went with Comfort and saved a fair bit . More than happy.

Kev

It would be a bit silly if i named the site ! Its Gold approved and on my insurance schedule it has their post code as the parking place . Im up for renewal April so will see ?its states on CAMH Website 5%discont

 

[scotzsue]

We were given a renewal quote, my name spelled wrong classed as 4 berth campervan make and model spelling was also wrong, John contacted them to have the errors sorted out, meanwhile I got a CMC quote for the £317 plus some pence. We agreed to that and paid the premium. However it was with our previous insurer. They then contacted John by email to say that the price was now approximately £150 more than originally quoted. When he phoned for clarification was told that we had to pay the highest of the quotes they had given us. This was 3 days after accepting payment. None of the particulars apart from their wrong spellings, had changed, they had been advised that the storage site was no longer CASSOA before making the quote.
Comfort wanted even more. Tried the Camping and caravan club, it has come up with a similar quote to the £317 but again is with the same insurance company. Looking forward to seeing what tomorrow brings.

 

[Pausim]

Is this another example of one price for new quotes and another for repeat business? In other words attract new business with competitive quotes and then rely on consumer inertia to make a profit out of renewals. I suspect most do this but not all.

 

[scotzsue]

Thought new rules said they couldn't do an 'introductory' offer and all insurance should be same price, quote for quote. Have tried phoning, email contacting MCM who said they would get someone to ring us back, they haven't. They have the money and we have insurance documents tearing my hair out, first time i have seen John really lose his rag in over 20 years. during the inital phonecall, person was obviously reading from a script, when asked for clarification she just repeated what she had said before. He was very polite and said he was ending the conversation and asked for someone who could answer to call him back. So annoyed. Do wish he would phone back as i think they need to know they can't ignore us. We have nothing in writing at all from Devitt only phone calls i wondered if it could be a scam, but they did use his first name.

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[pagey]

why dont you just cancel under the 14 day notice and get your money back

 

[GMLS]

We were with Comfort and initially on a CASSOA site. Moved the vehicle onto our drive at home and the cost came down £60!
I'd tell them that you will be making a claim to the insurance onbudsman and then put a really poor review on Trustpilot. I've done the latter many times in a variety of circumstances and it nearly always provokes a positive response. I have zero tolerance for planks these day.

 

[scotzsue]

Unfortunately insurance is in John's name and he is, in my mind, being too tolerant. Think we have it sorted, but they are now showing it as being parked on our drive, we don't have one. Despite telling them it was in a secure locked compound, same one we have used for 12 years. Now waiting for response to having that confirmed. My BP is sky high but they will only talk to John. This country is a pain, vehicles can not be registered as jointly owned and only married couples can have one as owner and one as insured which was what we did till 2/3 years ago.

 

[RandallC]

Hhhhmmm, many folks wax lyrical about comfort BUT you need to be aware with their insurance that (correct me if wrong and I know you will) you can ONLY leave your vehicle unattended (not living in it) (including parked on the drive outside your house) or popped on a train to explore OMG and stayed over, for 36 hours without informing Comfort.

One of the reasons we no longer insure with them, when we had the MH in Welsh COSSA storage site we liked to bring it home for a couple of days to prep & pack before going on a long trip and ditto on return. Got to be a bit of a pain remembering to ring and advise.

Think their /Aviva take on this is counter productive for the business.

 

[Reallyretired]

Hhhhmmm, many folks wax lyrical about comfort BUT you need to be aware with their insurance that (correct me if wrong and I know you will) you can ONLY leave your vehicle unattended (not living in it) (including parked on the drive outside your house) or popped on a train to explore OMG and stayed over, for 36 hours without informing Comfort.

One of the reasons we no longer insure with them, when we had the MH in Welsh COSSA storage site we liked to bring it home for a couple of days to prep & pack before going on a long trip and ditto on return. Got to be a bit of a pain remembering to ring and advise.

Think their /Aviva take on this is counter productive for the business.

Ours with Comfort is stated as 48hours, but we don't find this a problem. When I needed to do some things to it and phoned them they were quite happy for it to be on our drive for two weeks. Two days (one really) is quite long enough for us to get ready to go, and having it on the drive is a bit of a nuisance as without it we can get three cars there.

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