Does it do what it says on the tin?

I am about to find out.

Our van barely 6 month sold was literally washed away in the floods last 
week. Ended up about 150 yards down the site full of mud and smelling of 
diesel oil. Total right-off. So now we begin the process of insurance 
claim and seeing what we get under New For Old. - insured with AXA. I 
wonder if anyone has had any experience of this.
-- 
hugh
Reply to address is valid at the time of posting

"hugh"  wrote in message 
news:2twvjFDUz$zIFAn+@raefell.demon.co.uk...
> Does it do what it says on the tin?
>
> I am about to find out.
>
> Our van barely 6 month sold was literally washed away in the floods last 
> week. Ended up about 150 yards down the site full of mud and smelling of 
> diesel oil. Total right-off. So now we begin the process of insurance 
> claim and seeing what we get under New For Old. - insured with AXA. I 
> wonder if anyone has had any experience of this.
> -- 
> hugh
> Reply to address is valid at the time of posting

You have my deepest sympathy's m8, it must be heartbreaking to see that 
happen.
hope all goes well for you, good luck.

lofty

How very tragic and I hope the insurance company cough up OK
Liz
"hugh"  wrote in message 
news:2twvjFDUz$zIFAn+@raefell.demon.co.uk...
> Does it do what it says on the tin?
>
> I am about to find out.
>
> Our van barely 6 month sold was literally washed away in the floods last 
> week. Ended up about 150 yards down the site full of mud and smelling of 
> diesel oil. Total right-off. So now we begin the process of insurance 
> claim and seeing what we get under New For Old. - insured with AXA. I 
> wonder if anyone has had any experience of this.
> -- 
> hugh
> Reply to address is valid at the time of posting

In message <Y-SdnVCK6a1xHUzVnZ2dnUVZ8vednZ2d@posted.plusnet>, lofty 
 writes
>
>"hugh"  wrote in message
>news:2twvjFDUz$zIFAn+@raefell.demon.co.uk...
>> Does it do what it says on the tin?
>>
>> I am about to find out.
>>
>> Our van barely 6 month sold was literally washed away in the floods last
>> week. Ended up about 150 yards down the site full of mud and smelling of
>> diesel oil. Total right-off. So now we begin the process of insurance
>> claim and seeing what we get under New For Old. - insured with AXA. I
>> wonder if anyone has had any experience of this.
>> --
>> hugh
>> Reply to address is valid at the time of posting
>
>You have my deepest sympathy's m8, it must be heartbreaking to see that
>happen.
>hope all goes well for you, good luck.
>
>lofty
>
>
Just grateful we weren't in it at the time - and especially if it had 
been at night. Some 30 - 40 tourers and about a dozen statics written 
off.
-- 
hugh
Reply to address is valid at the time of posting

"Liz Hall"  wrote in message 
news:a82dnUqYRq6N3U_VnZ2dnUVZ8gOdnZ2d@pipex.net...
> How very tragic and I hope the insurance company cough up OK
> Liz
> "hugh"  wrote in message 
> news:2twvjFDUz$zIFAn+@raefell.demon.co.uk...
>> Does it do what it says on the tin?
>>
>> I am about to find out.
>>
>> Our van barely 6 month sold was literally washed away in the floods last 
>> week. Ended up about 150 yards down the site full of mud and smelling of 
>> diesel oil. Total right-off. So now we begin the process of insurance 
>> claim and seeing what we get under New For Old. - insured with AXA. I 
>> wonder if anyone has had any experience of this.
>> -- 
>> hugh
>> Reply to address is valid at the time of posting
>
>

Oh my god look at your comments you pathetic people have made.
"You have my deepest sympathy's m8, it must be heartbreaking to see that
happen."
"How very tragic"

You would think that this much dismay could only be caused by the death of a 
loved one.
Wrong, it was caused by a caravan being flooded.
Pathetic people with pathetic problems, you seriously need to get a life.

"******Minor--celebrity******"  wrote in message 
news:PQtAk.8234$b12.111@newsfe17.ams2...
>
> "Liz Hall"  wrote in message 
> news:a82dnUqYRq6N3U_VnZ2dnUVZ8gOdnZ2d@pipex.net...
>> How very tragic and I hope the insurance company cough up OK
>> Liz
>> "hugh"  wrote in message 
>> news:2twvjFDUz$zIFAn+@raefell.demon.co.uk...
>>> Does it do what it says on the tin?
>>>
>>> I am about to find out.
>>>
>>> Our van barely 6 month sold was literally washed away in the floods last 
>>> week. Ended up about 150 yards down the site full of mud and smelling of 
>>> diesel oil. Total right-off. So now we begin the process of insurance 
>>> claim and seeing what we get under New For Old. - insured with AXA. I 
>>> wonder if anyone has had any experience of this.
>>> -- 
>>> hugh
>>> Reply to address is valid at the time of posting
>>
>>
>
> Oh my god look at your comments you pathetic people have made.
> "You have my deepest sympathy's m8, it must be heartbreaking to see that
> happen."
> "How very tragic"
>
> You would think that this much dismay could only be caused by the death of 
> a loved one.
> Wrong, it was caused by a caravan being flooded.
> Pathetic people with pathetic problems, you seriously need to get a life.

-----------


More to point - I'm one of the people who are going to have to pay for the 
replacement caravan through increased premiums as the insurers balance their 
books.

So, if their is any 'tragedy' involved - it falls upon those who *don't* 
make claims, but who subsidise those who do.

The insurers have (unfortunately)  no choice but to pay out for a new van, 
because that's the contract.  After that, however, the OP should be on his 
own - no more pay-outs.

I bet he'd be a damn sight more careful with his caravan if he knew that he 
could no longer rely on insurance.

"pundit"  wrote in message 
news:6kh2pbF7utr0U1@mid.individual.net...
>
> "******Minor--celebrity******"  wrote in message 
> news:PQtAk.8234$b12.111@newsfe17.ams2...
>>
>> "Liz Hall"  wrote in message

> -----------
>
>
> More to point - I'm one of the people who are going to have to pay for the 
> replacement caravan through increased premiums as the insurers balance their 
> books.
>
> So, if their is any 'tragedy' involved - it falls upon those who *don't* make 
> claims, but who subsidise those who do.
>
> The insurers have (unfortunately)  no choice but to pay out for a new van, 
> because that's the contract.  After that, however, the OP should be on his own - 
> no more pay-outs.
>
> I bet he'd be a damn sight more careful with his caravan if he knew that he 
> could no longer rely on insurance.
>

More to the points perhaps

I've been Caravanning for Nigh on 40 years

In those 40 years I've had ONE claim ,

Regrettably at that time I wasn't with the caravan club

I lost a full season caravanning because some insurance company argued about a 
£1500.00 claim ,

They then tried to double my insurance on my card without telling me and then 
tried to make me pay the 1 st  £250. 00 needless to say eventually  the fell foul 
of the insurance ombudsman and the credit card company

The Caravan Club Insurance had 30 caravans on that storage site settled them ALL 
in  FOUR WEEKS

If I loose my van through some misfortune I recon I've already paid for a new one

DieSea

pundit wrote:
> "******Minor--celebrity******"  wrote in message 
> news:PQtAk.8234$b12.111@newsfe17.ams2...
>> "Liz Hall"  wrote in message 
>> news:a82dnUqYRq6N3U_VnZ2dnUVZ8gOdnZ2d@pipex.net...
>>> How very tragic and I hope the insurance company cough up OK
>>> Liz
>>> "hugh"  wrote in message 
>>> news:2twvjFDUz$zIFAn+@raefell.demon.co.uk...
>>>> Does it do what it says on the tin?
>>>>
>>>> I am about to find out.
>>>>
>>>> Our van barely 6 month sold was literally washed away in the floods last 
>>>> week. Ended up about 150 yards down the site full of mud and smelling of 
>>>> diesel oil. Total right-off. So now we begin the process of insurance 
>>>> claim and seeing what we get under New For Old. - insured with AXA. I 
>>>> wonder if anyone has had any experience of this.
>>>> -- 
>>>> hugh
>>>> Reply to address is valid at the time of posting
>>>
>> Oh my god look at your comments you pathetic people have made.
>> "You have my deepest sympathy's m8, it must be heartbreaking to see that
>> happen."
>> "How very tragic"
>>
>> You would think that this much dismay could only be caused by the death of 
>> a loved one.
>> Wrong, it was caused by a caravan being flooded.
>> Pathetic people with pathetic problems, you seriously need to get a life.
> 
> -----------
> 
> 
> More to point - I'm one of the people who are going to have to pay for the 
> replacement caravan through increased premiums as the insurers balance their 
> books.
> 
> So, if their is any 'tragedy' involved - it falls upon those who *don't* 
> make claims, but who subsidise those who do.
> 
> The insurers have (unfortunately)  no choice but to pay out for a new van, 
> because that's the contract.  After that, however, the OP should be on his 
> own - no more pay-outs.
> 
> I bet he'd be a damn sight more careful with his caravan if he knew that he 
> could no longer rely on insurance. 
> 
> 
You wrote,
So, if their is any 'tragedy' involved - it falls upon those who *don't*
make claims, but who subsidise those who do.

Isn't that the whole purpose of insurance.  We all pay in and the 
unfortunate few take out.  Or would you rather it be you who has had the 
misfortune to have to claim.
If you are against the principle may I suggest that you don't take out 
any insurance on anything in future then you won't have to "subsidise" 
the rest of us.

I can't remember the last time I made an insurance claim for anything 
and for that I am very very glad (not resentful as you appear to be.

AR
Derbys

In message , pundit 
 writes
>
>"******Minor--celebrity******"  wrote in message
>news:PQtAk.8234$b12.111@newsfe17.ams2...
>>
>> "Liz Hall"  wrote in message
>> news:a82dnUqYRq6N3U_VnZ2dnUVZ8gOdnZ2d@pipex.net...
>>> How very tragic and I hope the insurance company cough up OK
>>> Liz
>>> "hugh"  wrote in message
>>> news:2twvjFDUz$zIFAn+@raefell.demon.co.uk...
>>>> Does it do what it says on the tin?
>>>>
>>>> I am about to find out.
>>>>
>>>> Our van barely 6 month sold was literally washed away in the floods last
>>>> week. Ended up about 150 yards down the site full of mud and smelling of
>>>> diesel oil. Total right-off. So now we begin the process of insurance
>>>> claim and seeing what we get under New For Old. - insured with AXA. I
>>>> wonder if anyone has had any experience of this.
>>>> --
>>>> hugh
>>>> Reply to address is valid at the time of posting
>>>
>>>
>>
>> Oh my god look at your comments you pathetic people have made.
>> "You have my deepest sympathy's m8, it must be heartbreaking to see that
>> happen."
>> "How very tragic"
>>
>> You would think that this much dismay could only be caused by the death of
>> a loved one.
>> Wrong, it was caused by a caravan being flooded.
>> Pathetic people with pathetic problems, you seriously need to get a life.
>
>-----------
>
>
>More to point - I'm one of the people who are going to have to pay for the
>replacement caravan through increased premiums as the insurers balance their
>books.
>
>So, if their is any 'tragedy' involved - it falls upon those who *don't*
>make claims, but who subsidise those who do.
>
>The insurers have (unfortunately)  no choice but to pay out for a new van,
>because that's the contract.  After that, however, the OP should be on his
>own - no more pay-outs.
>
>I bet he'd be a damn sight more careful with his caravan if he knew that he
>could no longer rely on insurance.
>
>
I can only assume that such a stupid reply is designed to be 
deliberately provocative - and I can't be arsed replying any further.

For the benefit of more intelligent members of this group, so far it 
seem to be quite reasonable. I've gone through what is and what is not 
covered with the loss adjuster and I get replacement 2009 model of same 
type or full insured value towards an upgrade if I want to go that 
route.

-- 
hugh
Reply to address is valid at the time of posting

"hugh"  wrote in message 
news:sob5SDDUo64IFANj@raefell.demon.co.uk...
> In message , pundit 
>  writes
>>
>>"******Minor--celebrity******"  wrote in message
>>news:PQtAk.8234$b12.111@newsfe17.ams2...
>>>

>
> For the benefit of more intelligent members of this group, so far it seem to be 
> quite reasonable. I've gone through what is and what is not covered with the 
> loss adjuster and I get replacement 2009 model of same type or full insured 
> value towards an upgrade if I want to go that route.
>
> -- 
> hugh
> Reply to address is valid at the time of posting

A troll no doubt

Hope it goes well

I wonder which insurer you're with

DieSea

"hugh"  wrote in message

> I can only assume that such a stupid reply is designed to be deliberately 
> provocative


No, not really - just a fellow caravanner who doesn't relish contributing 
towards your 2009 van

If you were  such a foolish tit as to leave your van in a flood risk area - 
that's your prerogative.  I don't see why your titishness should be rewarded 
with a brand new caravan, though.

-----
 - and I can't be arsed replying any further.<

To busy counting your loot, no doubt.

-------------------

> For the benefit of more intelligent members of this group, so far it seem 
> to be quite reasonable. I've gone through what is and what is not covered 
> with the loss adjuster and I get replacement 2009 model of same type or 
> full insured value towards an upgrade if I want to go that route.


I expect that you were 'devastated' - yes?    This country if cock full of 
'Devastated' flood 'victims' - they adopt their best mournful expression for 
the TV cameras, and employ the 'D' word at least fifteen times in every 20 
second sound- bite.

They are usually to be found posing by their ruined furniture (often a 
virtually worthless collection of old tat) for which they expect to receive 
a handsome insurance payout - and they will keep on telling an increasingly 
disinterested nation just *how* 'devastated' they are, until the cheque 
arrives and they can stop feeling 'devastated' and start whistling their way 
off to the shops.

Like I say - bugger you and your bloody stupidity, why should I have to 
compensate you for being a dickhead?!!

In message <48e3b064$0$2508$da0feed9@news.zen.co.uk>, DieSea 
<DieSea.NoSpamPlease@nnttwlwoorrlldd.ccoomm> writes
>
>"hugh"  wrote in message
>news:sob5SDDUo64IFANj@raefell.demon.co.uk...
>> In message , pundit
>>  writes
>>>
>>>"******Minor--celebrity******"  wrote in message
>>>news:PQtAk.8234$b12.111@newsfe17.ams2...
>>>>
>
>>
>> For the benefit of more intelligent members of this group, so far it 
>>seem to be
>> quite reasonable. I've gone through what is and what is not covered with the
>> loss adjuster and I get replacement 2009 model of same type or full insured
>> value towards an upgrade if I want to go that route.
>>
>> --
>> hugh
>> Reply to address is valid at the time of posting
>
>A troll no doubt
>
>Hope it goes well
>
>I wonder which insurer you're with
>
>DieSea
>
>
Axa
-- 
hugh
Reply to address is valid at the time of posting

In message , pundit 
 writes
>
>"hugh"  wrote in message
>
>> I can only assume that such a stupid reply is designed to be deliberately
>> provocative
>
>
>No, not really - just a fellow caravanner who doesn't relish contributing
>towards your 2009 van
>
>If you were  such a foolish tit as to leave your van in a flood risk area -
>that's your prerogative.  I don't see why your titishness should be rewarded
>with a brand new caravan, though.
>
>-----
> - and I can't be arsed replying any further.<
>
>To busy counting your loot, no doubt.
>
>-------------------
>
>> For the benefit of more intelligent members of this group, so far it seem
>> to be quite reasonable. I've gone through what is and what is not covered
>> with the loss adjuster and I get replacement 2009 model of same type or
>> full insured value towards an upgrade if I want to go that route.
>
>
>I expect that you were 'devastated' - yes?    This country if cock full of
>'Devastated' flood 'victims' - they adopt their best mournful expression for
>the TV cameras, and employ the 'D' word at least fifteen times in every 20
>second sound- bite.
>
>They are usually to be found posing by their ruined furniture (often a
>virtually worthless collection of old tat) for which they expect to receive
>a handsome insurance payout - and they will keep on telling an increasingly
>disinterested nation just *how* 'devastated' they are, until the cheque
>arrives and they can stop feeling 'devastated' and start whistling their way
>off to the shops.
>
>Like I say - bugger you and your bloody stupidity, why should I have to
>compensate you for being a dickhead?!!
>
>
You only have to compensate me if you have paid an insurance premium. If 
you don't like the rules don't join the game. But thanks very much for 
your generosity. I will think of you when my nice new 2009 model van is 
delivered. In the meantime I'll go and have another look at my claim and 
see if I can revise it upwards, just for you. Maybe a new set of golf 
clubs or something like that.

-- 
hugh
Reply to address is valid at the time of posting

"hugh"  wrote in message 
news:IQXwcAGhcT5IFASg@raefell.demon.co.uk...
> In message , pundit 
>  writes
>>
>>"hugh"  wrote in message
>>
>>> I can only assume that such a stupid reply is designed to be 
>>> deliberately
>>> provocative
>>
>>
>>No, not really - just a fellow caravanner who doesn't relish contributing
>>towards your 2009 van
>>
>>If you were  such a foolish tit as to leave your van in a flood risk 
>>area -
>>that's your prerogative.  I don't see why your titishness should be 
>>rewarded
>>with a brand new caravan, though.
>>
>>-----
>> - and I can't be arsed replying any further.<
>>
>>To busy counting your loot, no doubt.
>>
>>-------------------
>>
>>> For the benefit of more intelligent members of this group, so far it 
>>> seem
>>> to be quite reasonable. I've gone through what is and what is not 
>>> covered
>>> with the loss adjuster and I get replacement 2009 model of same type or
>>> full insured value towards an upgrade if I want to go that route.
>>
>>
>>I expect that you were 'devastated' - yes?    This country if cock full of
>>'Devastated' flood 'victims' - they adopt their best mournful expression 
>>for
>>the TV cameras, and employ the 'D' word at least fifteen times in every 20
>>second sound- bite.
>>
>>They are usually to be found posing by their ruined furniture (often a
>>virtually worthless collection of old tat) for which they expect to 
>>receive
>>a handsome insurance payout - and they will keep on telling an 
>>increasingly
>>disinterested nation just *how* 'devastated' they are, until the cheque
>>arrives and they can stop feeling 'devastated' and start whistling their 
>>way
>>off to the shops.
>>
>>Like I say - bugger you and your bloody stupidity, why should I have to
>>compensate you for being a dickhead?!!
>>
>>
> You only have to compensate me if you have paid an insurance premium. If 
> you don't like the rules don't join the game. But thanks very much for 
> your generosity. I will think of you when my nice new 2009 model van is 
> delivered. In the meantime I'll go and have another look at my claim and 
> see if I can revise it upwards, just for you. Maybe a new set of golf 
> clubs or something like that.
>
> -- 
> hugh
> Reply to address is valid at the time of posting

Avondale lost our caravan and the transporter towing It some years back on 
Its way back from the Avondale factory
we were treat like we had something to do with It by the underwriters and as 
I said we didn't
lose It but eventually we were given a brand new van we were Insured with a 
broker based
In Bewdley who were first class In helping us to make our claim.
Dave B