Lucky escape and insurance consideration? (1 Viewer)

[Tigger on tour]

So yesterday i decided to put my MH into its our local storage depot but got way laid, 7.30pm last night a major fire destroyed several MH's, caravans and a car at the same depot. This got me thinking, who would foot the £200,000 + bill, the storage depot, the MH where the fire started or each individual policy? It also got me thinking does my storage depot match the ambitions of my insurance company? i know these things are rare but it does make you think given the value of our pride and joys.

 

[nicholsong]

So yesterday i decided to put my MH into its our local storage depot but got way laid, 7.30pm last night a major fire destroyed several MH's, caravans and a car at the same depot. This got me thinking, who would foot the £200,000 + bill, the storage depot, the MH where the fire started or each individual policy? It also got me thinking does my storage depot match the ambitions of my insurance company? i know these things are rare but it does make you think given the value of our pride and joys.

A lot of insurance contract conditions will have to be examined.

Specialist insurance lawyers' jobs.

I am retired so not available. No, not even at any price.

 

[L' Hobo]

It came as a surprise to me, many years ago, when I used to pay for storage at a national club site.
Two caravans had been stolen out of storage and the owners were told that they would have to claim on their insurance and that was the reason why all vans etc. had to be insured before they were allowed into storage.

Like them, if your van has to be insured, read the small print carefully!

 

[Ernesto]

I guess no site owner is going to find an underwriter, who would insure (just for arguments sake) a site of 70 motorhomes, that were completely unknown to the underwriter I.e value, age, condition etc .

They have to be covered by the individual owners policies as anything else, is too loose and ambiguous

 

[Just smiffy]

I had a caravan destroyed at a storage fire and I had to claim on my insurance..

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[The Old Man]

I guess no site owner is going to find an underwriter, who would insure (just for arguments sake) a site of 70 motorhomes, that were completely unknown to the underwriter I.e value, age, condition etc .

They have to be covered by the individual owners policies as anything else, is too loose and ambiguous

1400+ on the storage site I use!!!!!

 

[pappajohn]

I suppose you could start a private prosecution against the owner of the fire starting van..good luck with that.

 

[Nanniemate]

1400+ on the storage site I use!!!!!

where's that trecco bay

 

[The Old Man]

where's that trecco bay

Cardiff, Blue Storage, Wentloog.

 

[Stag man]

When I used a storage site it was sometimes tricky to walk between the ‘vans. Opening a Hab door was always done with care.
I never even thought about fire risk - what a Numpty

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[Sapper520]

Years ago, when we had a caravan, we had it damaged three times…..owner of the storage compound wasn’t interested in getting involved, even though every time we went to check on our caravan it had been moved from where I parked it.

 

[pampam]

I believe you have to have your own insurance, and if i remember properly for some insurers it has to be a gold casseo (is that the right abreviation) site

 

[Malcolm Bolt]

So yesterday i decided to put my MH into its our local storage depot but got way laid, 7.30pm last night a major fire destroyed several MH's, caravans and a car at the same depot. This got me thinking, who would foot the £200,000 + bill, the storage depot, the MH where the fire started or each individual policy? It also got me thinking does my storage depot match the ambitions of my insurance company? i know these things are rare but it does make you think given the value of our pride and joys.

This is the place I have used for storage of caravan and motorhomes for over twenty years. We are with our van in Spain at present thank goodness but have yet to hear if our trailer which we left in storage has survived.

 

[Tigger on tour]

This is the place I have used for storage of caravan and motorhomes for over twenty years. We are with our van in Spain at present thank goodness but have yet to hear if our trailer which we left in storage has survived.

Hi Malcolm, the vehicles that were destroyed were in the centre isle at the far end from the entrance gate if that makes sense? hopefully not your trailer. Spoke to the site yesterday and they are struggling to identify who's units were destroyed as i am sure you are aware you park where you can in the centre. Enjoy Spain and if you want me to check today i am quite happy to.

 

[TerryL]

Our storage insists on evidence of insurance and makes very clear that they accept no responsibility for loss or damage. It is a large (700) CaSSeo Gold site with on-site staff with CCTV covering the whole site. Each unit has it's own numbered pitch and apart from the monitored entrance it is completely surrounded by industrial units. They tell me they haven't had any kind of incident in over 40 years.

However if fire did break out I'm pretty sure it would cause a great deal of damage. But it's one of those things that you have insurance for and I don't let it worry me.

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[Brains]

Years ago, when we had a caravan, we had it damaged three times…..owner of the storage compound wasn’t interested in getting involved, even though every time we went to check on our caravan it had been moved from where I parked it.

To be honest I'd not be in a site where they moved stuff around.

My storage place has parking places, and it's yours, so my neighbours have not changed in years.

(For motorhomes the pitches always have either the car or the motorhome occupying the space)

 

[Gellyneck]

Our storage insists on evidence of insurance and makes very clear that they accept no responsibility for loss or damage. It is a large (700) CaSSeo Gold site with on-site staff with CCTV covering the whole site. Each unit has it's own numbered pitch and apart from the monitored entrance it is completely surrounded by industrial units. They tell me they haven't had any kind of incident in over 40 years.

However if fire did break out I'm pretty sure it would cause a great deal of damage. But it's one of those things that you have insurance for and I don't let it worry me.

Similar terms to our storage location with their t&c's also including a clause that gas system much be isolated at the cylinder prior to entry and remain so until after exit.

 

[Otter Spotter]

When we had a caravan and stored it in a compound, it was moved once, luckily I attended a couple of days later and spotted that it had moved so went out and bought 2 wheel locks. When we checked the cctv it had been moved by another van owner who had a similar van, dozy git !

 

[gands2up]

So yesterday i decided to put my MH into its our local storage depot but got way laid, 7.30pm last night a major fire destroyed several MH's, caravans and a car at the same depot. This got me thinking, who would foot the £200,000 + bill, the storage depot, the MH where the fire started or each individual policy? It also got me thinking does my storage depot match the ambitions of my insurance company? i know these things are rare but it does make you think given the value of our pride and joys.

Just passed this afternoon, you can just make out the damage

 

[MacroMad]

When you insure your van they ask you specifically where will it be kept, if you say in storage they ask you where, your storage location will also advertise the fact that their site XXX YYY ZZZ accredited etc etc, they would also have cameras on site, those sunken bollards that raise up and down to let you in as well as the vehicle registration of the vehicle you will enter the site with when visiting your van/MoHo.
The insurer ask's the questions to satisfy itself the place is secure, the site owner puts all those precautions in place to satisfy insurance company's that their place is safe.
So, as with all the answers above, your insurance is the one to pay out for Your van.

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[Nanniemate]

Just passed this afternoon, you can just make out the damage

Lucky the lot didn't go up

 

[Ingwe]

A lot of insurance contract conditions will have to be examined.

Specialist insurance lawyers' jobs.

I am retired so not available. No, not even at any price.

Aw, go on @nicolsong; come out of retirement!

 

[eddie]

When you leave a motorhome at a dealers it is on understanding that it is insured under your policy

If someone leaves a van with us for example, whilst it is in our workshops or being driven by our staff its covered by us, until then, and once the work is done and its park up waiting for you to collect it, it is at your risk.

I initially thought this unpalatable, but it is the way that insurance works.

 

[RYHALLRED]

So yesterday i decided to put my MH into its our local storage depot but got way laid, 7.30pm last night a major fire destroyed several MH's, caravans and a car at the same depot. This got me thinking, who would foot the £200,000 + bill, the storage depot, the MH where the fire started or each individual policy? It also got me thinking does my storage depot match the ambitions of my insurance company? i know these things are rare but it does make you think given the value of our pride and joys.

CaSSOA (Caravan Storage Site Owners’ Association)

We represent caravan storage site owners’ across the UK & work towards minimising caravan theft by promoting the highest levels of security.

www.cassoa.co.uk

 

[TDub49]

Your insurance every time. Where it gets complicated is once insurance companies start talking to each other. Yours pays out but then starts looking for someone to pay them - site owner maybe?

Site owner shows copy of storage agreement (I assume that everyone who stores their van on a commercial site has one??) which makes it clear they (the site) aren't responsible for any damage that occurs. He says fire started in such and such a van because someone ignored the rules and left their gas connected or something.

Off your insurance goes to the owner of the van that started the fire to ask that they reimburse them for their payout to you. That person goes to their insurance company who say 'bad luck' you're not covered because you didn't stick to the rules and it's in the small print. Next step court action . . .

I've know something similar happen in the world of boating where two delivery skippers ended up being held personally liable for the loss of £250Ks worth of boat because the owner's insurance was happy to pay out but then went after the skippers to get their money back and the skippers discovered that their insurance didn't cover them. No free lunches in the insurance world.

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[Malcolm Bolt]

Hi Malcolm, the vehicles that were destroyed were in the centre isle at the far end from the entrance gate if that makes sense? hopefully not your trailer. Spoke to the site yesterday and they are struggling to identify who's units were destroyed as i am sure you are aware you park where you can in the centre. Enjoy Spain and if you want me to check today i am quite happy to.

Thank you for the offer but photo provided by gands2up shows my trailer is OK. Its the one next to the motorhome that is next to the burnt-out vans. Looks like I was very lucky.

 

[Malcolm Bolt]

Just passed this afternoon, you can just make out the damage

Thanks for the photo. It shows my trailer is OK just 2 away from burnt-out vans.

 

[Tigger on tour]

Thank you for the offer but photo provided by gands2up shows my trailer is OK. Its the one next to the motorhome that is next to the burnt-out vans. Looks like I was very lucky.

Pleased to hear that and yes wow your trailer was very close. I think the fire dept did a great job in preserving the rest given the locality and access. As i am sure you know most fire engine crews around here are retained so always a slight delay waiting for crews to get to the fire station. Must also be very concerning as a fire fighter dealing with vehicles that have gas cylinders!

 

[nicholsong]

Pleased to hear that and yes wow your trailer was very close. I think the fire dept did a great job in preserving the rest given the locality and access. As i am sure you know most fire engine crews around here are retained so always a slight delay waiting for crews to get to the fire station. Must also be very concerning as a fire fighter dealing with vehicles that have gas cylinders!

I am surprised that storage owners do not require normal gas cylinders to be taken off-site, as I am sure they are not allowed to be used on-site. Not possible with underslung tanks of course.

 

[TerryL]

Our storage site actually sells Calor Gas! Fortunately it is stored well away from the units.