Brian Hankins
Free Member
Not sure if I'm being a bit thick with this question but would appreciate some feedback.
Returning from Spain at the end of October, travelling from Haro (Rioja capital) to Santander our fridge door flew open breaking the hinge and pulling the wires out connecting the door control panel to the fridge.
We decided that we would claim against our insurance policy, taken out with the Caravan and Motorhome Club, the C&MC then inform Devitts, who then pass onto AXA, the underwriters. No problem so far! I agreed with AXA that I could use a local company to look at the problem and get a quote, which I did and they were very good. AXA then sent an insurance assessor to look at the fridge and take photographs. All parties agreed that the fridge needed replacing at a cost of around £1500 + VAT and labour.
At the beginning of November I purchased a Motor-scooter and trailer to tow on the back of my motorhome, I also had to insure the bike which I did through Bennets, specialist motorbike insurers, that give 90 days insurance cover in Europe per trip, so ideal for multiple trips.
A couple of days ago I had notification from Bennets that they required another £35 to insure the scooter because they had been informed of an outstanding claim from another insurer. I eventually found out that the claim I had put in for the fridge was the outstanding claim that would affect the motorbike insurance. My fault to an extent, I suppose but it didn't cross my mind that a fridge door falling off in transit on my motorhome would impact on my motorbike insurance. Apparently there is a database that is shared by insurance companies to check on outstanding claims.
Sorry this is getting a boring now, to cut to the chase, should a claim on a fridge or anything that is part of the habitation of the motorhome impact on the insurance of a totally different vehicle? Should the Caravan & Motorhome Club and its partners be looking at the type of claim before putting it into their Claims database? I suppose it will also now impact on our car insurance when it is due!
Am I being paranoid or are my feelings of being ripped off genuine? The other question is I always say do not share my personal information but hey that's gone out the window too.
Returning from Spain at the end of October, travelling from Haro (Rioja capital) to Santander our fridge door flew open breaking the hinge and pulling the wires out connecting the door control panel to the fridge.
We decided that we would claim against our insurance policy, taken out with the Caravan and Motorhome Club, the C&MC then inform Devitts, who then pass onto AXA, the underwriters. No problem so far! I agreed with AXA that I could use a local company to look at the problem and get a quote, which I did and they were very good. AXA then sent an insurance assessor to look at the fridge and take photographs. All parties agreed that the fridge needed replacing at a cost of around £1500 + VAT and labour.
At the beginning of November I purchased a Motor-scooter and trailer to tow on the back of my motorhome, I also had to insure the bike which I did through Bennets, specialist motorbike insurers, that give 90 days insurance cover in Europe per trip, so ideal for multiple trips.
A couple of days ago I had notification from Bennets that they required another £35 to insure the scooter because they had been informed of an outstanding claim from another insurer. I eventually found out that the claim I had put in for the fridge was the outstanding claim that would affect the motorbike insurance. My fault to an extent, I suppose but it didn't cross my mind that a fridge door falling off in transit on my motorhome would impact on my motorbike insurance. Apparently there is a database that is shared by insurance companies to check on outstanding claims.
Sorry this is getting a boring now, to cut to the chase, should a claim on a fridge or anything that is part of the habitation of the motorhome impact on the insurance of a totally different vehicle? Should the Caravan & Motorhome Club and its partners be looking at the type of claim before putting it into their Claims database? I suppose it will also now impact on our car insurance when it is due!
Am I being paranoid or are my feelings of being ripped off genuine? The other question is I always say do not share my personal information but hey that's gone out the window too.