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Post by lovshack on Mar 11, 2011 14:34:58 GMT 10
help!!!! just got the renewal for the lovshack insurance and the buggers have de valued it for me...good one ace. it was an agreed value job and some smart @ss decided to change the value because they saw the age on the van. needless to say they still charged the same premiun. mongrels. after some discussion...all their way of course... i need to know what other insurance companies are available for our vv's any help would be greatly appreciated. ;D cheers dave
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Post by firefighter on Mar 11, 2011 14:43:07 GMT 10
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Post by cobber on Mar 11, 2011 14:46:20 GMT 10
G'day Dave, What we need from you is the name of the mongrels who did this to you..... so we can steer clear of them. While you have been gallivanting around the country the insurance subject has come up often... we have settled on a few companies and you can get their contact details in the technical section HERELet us know how you go with them Cobber.
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Post by cobber on Mar 11, 2011 14:49:53 GMT 10
Geeees he's fast.... beat me by 3 minutes. Still like to know who the company is who have come up with this act..... don't they know Vintage Caravans appreciate with age Cobber.
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Post by cobber on Mar 15, 2011 16:00:05 GMT 10
Just BUMPING this thread up to remind people that........... even if you have insurance with one of the recommended companies shown in our list in the Technical section... and you have an agreed value with them, You should check the policy each year to make sure they haven't devalued you van without letting you know they have done it.That is what happened to Dave... and don't ask us which company it was because they are all capable of doing it Cobber.
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Post by cruisindoug on Mar 15, 2011 16:35:54 GMT 10
I am with Shannons and have just finished getting off the phone with them after bumping up the value of our van to reflect the new axle and chassis repaint - they had no issues with doing so and made note of the modifications.
Also increased the value of the ute due to market changes - no additional work done just to reflect the appreciation in value of the car.
Happy with the service (and I have had to claim a couple of times over the years and have had no issues there either).
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freeway
Full Member
Make way for the Austin Freeway!
Posts: 191
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Post by freeway on Mar 22, 2011 9:38:22 GMT 10
I agree, I've found Shannon's very good in insuring my classic tow Cars & Vintage Caravan at my agreed value.
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Post by JBJ on Mar 22, 2011 12:48:59 GMT 10
Hi Dave,
As always when you ask someone in Shannon it depends on what they have been told by their bosses I've just spoken to Rob in Shannons South Aussie office, who confirmed what I've been told. There should be no restriction on useage in his opinion.
He has asked me to present a case to them by email, documenting what we are & what our caravans are. He will take that to senior management & try to get a written policy on how Shannons will handle our vintage van insurance.
He told me I could post his email adress, so you can contact him direct & discuss if you want to..
If they come back with something, we can post on here so this doesnt happen like it often does.
His contact is Rob, at sasales@shannons.com.au.
Hopefully this might alleviate the recurring problem
JBJ
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Post by Cruz on Mar 22, 2011 18:10:50 GMT 10
Hi, I am with Shannon's,and am under the impression that i can use it whenever i like.
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Deleted
Deleted Member
Posts: 0
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Post by Deleted on Mar 22, 2011 19:32:44 GMT 10
I am with shanons.. unlimited use. Salvage rights to the van if wrote off etc....comprehensive.... fire and theft... hell and high water.. blah .. blah.. Insured for $4000. It is on the same policy as 2 bikes and 2 cars... pay one monthly premium.. Too easy.. all done over the phone without needing to speak to anyone other than the bloke on the other end of the phone in Sydney..
Cheers Reddo
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Post by cruisindoug on Mar 22, 2011 20:25:22 GMT 10
Checked my policy too no usage restrictions at all ...
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Post by sharpie on Mar 22, 2011 21:01:34 GMT 10
We've got everything insured with Shannons house-daily drive-classics and van..can use the van behind daily drive or classic no restrictions.great company to deal with. Cheers Sharpie. with.
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Post by JBJ on Mar 23, 2011 7:48:19 GMT 10
Hi All,
I've sent this email to Shannons, after a discussion with Rob in SA Office.
One thing we all can be sure of, Shannons is as good as any other company in honoring their policies, & probably better than some. I've had several small claims over the years & found them great.
BUT they dont appear to have a definite written policy on vintage caravans. It definitely depends on who you talk to regarding the answer you get. I've been told alternatively " No camping in it, car shows only" & by someone else" It can be used as a normal caravan".
That confusion is still there, & thats why Rob suggested I send the email, & he will try to get the management (who make the policies) put a written policy in place, so everyone involved has the same guidelines.
I know a lot of you are sure you are covered, but the bottom line of if what happens if an accident occurs is not written out definitely anywhere, or at least as far a Rob could find in his policy info. He believes that we have full cover for caravan use, but wants it defined like I do. Email follows :-
The Management, Shannon’s Insurance, Care of Rob, at South Australia Office
Hi,
I’m sending this email as a representative & moderator of “Vintage Caravans” Forum, a computer website.
Our members are interested in & committed to owning pre 1970 caravans, generally of Australian manufacture (but not exclusively).
We are not a club, but we have a lot of functions as loosely organised groups, with Queensland, NSW, Victoria, South Australia & West Australia having functions as often as can be organised.
I’m in northern NSW, & our SE Queensland group regularly has 30 plus pre 1970 vans attend functions every few months.
Our vans are of all styles, and all ages. Cut off for us is 1970, but that’s not rigidly enforced.
A lot of us are insured with Shannon’s. Often in conjunction with Classic Car or Hot Rod insurance.
We regularly get conflicting opinions from you guys on our insurance policy on our vans.
The majority of our vans are stored undercover, & treated the same as our cars are. Most are used occasionally, but some are used regularly. I personally towed my van around 15,000 Km in 18 months, around the east coast of NSW, Victoria & SE Qld.
This is not unusual for some of us, & the duration & frequency of our trips is indeterminable. I guess the majority don’t get a lot of use, but we have to reserve the right to use them as a caravan, for camping trips, because that’s what they really are. Sure a lot of the time they are show items, behind a Classic Car or Hot Rod. But the majority are towed behind every day vehicles.
The reason for this email is that our group get a lot of varied answers from Shannon’s staff when we try to insure with you. You do not seem to have a definite, easily found & defined, policy regarding our vans, especially in regards to usage.
Some are told we can use them as caravans, tour around with them, live in them, & some are told they can’t be used other than to be towed to car events for display only.
On behalf of our over 1000 Forum members ( http://www.vintagecaravans.com), I would like Shannon’s to come back to us & state in writing your policy towards our vintage caravans clearly, so no one can go the indignity of being told something that is not true regarding a new or current policy.
I am posting this email on our Forum, & after receiving your reply, I will post that as well
Hopefully we will resolve things to mutual satisfaction.
As an aside, we hold our National functions regularly. We do not hold any competitions, or any judging. We do not seek any sponsorship from anyone. Our next national event is at Cowra NSW next year. If any of your people would like to see what our vans are about, please feel welcome to attend. Details of our Nationals are on our Forum website
Dennis
JBJ on Forum
Moderator
22/03/2011
So we wait & see what the response is I guess. In the meantime, I'm happy leaving my policy covering Deejay with Shannons, along with 4 cars.
JBJ
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Post by humpyboy on Mar 23, 2011 20:17:39 GMT 10
Yes I agree, well written JBJ, it will be interesting to see what their reply to your request is.
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Post by Don Ricardo on Mar 23, 2011 20:41:50 GMT 10
Hi JBJ, Well done. Thanks for undertaking this task on behalf of us all. If we can encourage Shannon's to develop a consistent policy towards V V's that will be very positive (providing it's broad enough to cover what we all do with our vans, including using them as...caravans ). Hopefully, from the info you have provided them with and looking at this forum, they will see that there is a niche market just waiting for them. V V insurance looks like a perfect fit with Shannon's. I'm one of the people who a rep from Shannon's has told that they don't insure caravans. At all. Under any circumstances. Even for a restricted purpose. We have a classic car insured with them, but that didn't help the case. So it has always bemused me when you and others have said that you have had no trouble arranging insurance with them. I have no complaints about Shannon's as such. They were fantastic when our car got crunched between two cars a few years ago, and then again when its replacement got hit by a car running a red light. (Son No 3 driving on both occasions, not me, I'll have you know.) Here's hoping for a positive response. Don Ricardo
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Post by griffin on Mar 23, 2011 20:58:23 GMT 10
The official reply will be interesting.
They wouldn't insure our Olympic when we got it despite having two club cars with them at the time.
GIO happily insured a 40 year old van but they wouldn't do comprehensive on a car over 30 years old and no longer do club cars, they sent me to Shannon's when my policies came due. One can only wonder.
I've since gone to Lumleys for all the cars but they don't do vans either!
George
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Post by sharpie on Mar 23, 2011 21:06:44 GMT 10
Thanks JBJ if that email dosen't get everyone at Shannons thinking the same way i don't think anything will. I to will await their reply with interest because as i said earlier i had no trouble insuring our viscount with them. Sharpie
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Post by firefighter on Mar 31, 2011 8:19:30 GMT 10
G'day Rod Rod part of your posting Obviously Shannons did not have a policy in place, Shannons do have a policy for collector caravans over 30 years old as I have my roadhaven caravan with them since 2006 From my policy Agreed value...... $7000 Type of cover........Comprehensive Usage .....Private Extreme Limited Use Special Policy features .....Salvage Rights Theft...nothing shown ..... MIGHT HAVE TO CHECK THIS OUTFrom their product disclosure & policy wording booklet COLLECTOR CARAVAN means the caravan or campervan described on your certificate which is 30 years or age or more that is used for recreational purposes It includes every accessory installed or fitted to the caravan by the manufacturer Extreme Limited use coverIf Extreme limited use cover is shown on your certificate ,we will cover you for loss damage or liability whilst yor motor vehicle is used for recreational purposes ,on average twice a month COVER FOR YOUR COLLECTABLE CARAVANWe will cover you up to the amount shown in your certificate for loss or damage to your collectable caravan WE will not pay for the accessories of any collectable caravan as a result of theft. attempted theft or malicious damage unless there has been forcible or violent entry to your locked caravan We will not pay more than $500 for period accessories unless a higher amount is shown in your ceretifcate Not covered for seizure or repossession of your caravan I think your must have to have a vehicle policy to get a collector caravan policy If you ring up and get no where with the operator re collector caravan insurance...... ask to speak to a supervisor f/f ;D ;D ;D ;D ;D ;D
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Post by seeshell on Mar 31, 2011 8:43:14 GMT 10
Hi All Thanks for the info Firefighter. I think many of us could be in difficulty getting support for a claim depending on how 'accessories originally installed by the manufacturer' can be interpreted. If you're lucky enough to have a complete van, then obviously there's less or no issue. For those people that renovate vans, and choose or need to make modifications or add back missing items (particularly "like but not identical" things), it would seem it's possible for them to be only partially covered. Or if recent examples around insurance payouts are any guide, it might mean they don't pay at all because it doesn't meet all conditions. Has anyone explored this particular nuance of the insurance before? Perhaps I'm being paranoid! I was also interested in the insurance for accessories mentioned in your policy (provided the van is broken into). Anyone know if this is done like home insurance, where you nominate specific items and pay an additional rider? If you "live vintage" in your van, the full set of bits and bobs definitely adds up to more than $500 - not even close to enough! Cheers Seeshell
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Post by firefighter on Mar 31, 2011 8:49:54 GMT 10
Hi SS 'accessories originally installed by the manufacturer' my thoughts on that would be...... fridge /stove etc BUT I now nothing about insurance $500 for period items in our van would cover us ....and we have all the collectable items needed for our display I think your van is late 60s should not cost much to fit out with peroid items from the late 60s Maybe you did not take this on board We will not pay more than $500 for period accessories unless a higher amount is shown in your ceretifcate If you or any body else is not happy with shannons there is a list in our tech /info section with other insurance mobs that cover our vans f/f ;D ;D ;D ;D ;D ;D ;D
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Post by seeshell on Mar 31, 2011 9:22:28 GMT 10
Hi *grin* Perhaps it's just being a real girl, but I have teapots, and creamers, canisters, tablecloths, vintage cutlery, not to mention hand appliances like juicers, hand beaters etc. They're not big, or heavy, but they are getting more expensive over the years as more people develop an interest in these things. I remember getting items for $10 years ago, but similar pieces now could be $30 or more, if you can find them. Help me out here ladies - tell me I'm not the only one who might be pushing up against that $500 limit. Cheers Seeshell
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Post by seeshell on Mar 31, 2011 11:18:34 GMT 10
Hi Dave
I agree - a consistent policy would be good.
Cheers Seeshell
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Post by firefighter on Mar 31, 2011 11:28:53 GMT 10
Hi O/F & S/S Hi Dave I agree - a consistent policy would be good. Cheers Seeshell Shannons do have a consistent policy...........I think its the young chicks & the young bucks on the phone's that are confused like I said ask for a supervisor f/f ;D ;D ;D ;D ;D
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Post by seeshell on Mar 31, 2011 11:49:39 GMT 10
Hi Firefighter I'll amend then and say a better training program for the young lads and lasses on the phone would be an improvement! Just from a purely self interested perspective, you would think it would be good business - you can't sell what you don't understand! Also, if there was a consistent policy, I would have thought they might have responded to JBJ by now. Who knows though - companies can be black holes - no information ever escapes! Cheers Seeshell
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Post by 1954homemade on Mar 31, 2011 12:48:52 GMT 10
Hi All, Haven't had a chance to read this thread from the start, so I may be mentioning something that has already been. When I lived in NSW. Each year I would contact Shannons for an insurance quote. Each year they would give me a quote without any trouble - whether we had a car with them or not. But I always ended up going with GIO as they were always the cheapest (by far), didn't have any particular stipulations on usage etc etc. And I was also able to name how much I wanted the van insured for as well as having the contents and the annex insured as well i.e. 3 seperate insurance values. From memory they were $7,000, $3,000 & $2.000. During the 4 years of insurance GIO never changed the insurance values on me. Now I live in QLD, unfortuanetly GIO will not insure in QLD as they are owned by Suncorp and with Suncorp being a QLD company they do all the insurance for QLD. But unfortunately Sunciorp do not insure vintage vans. So I had to get quotes from Shannons, MHIA and others. Shannons was almost double what I had been paying with GIO and MHIA were almost 3 times the amount and after I had spent what seemed like hours answering all their questions they then said to me that I would have to send them photos of the van and then they would have a meeting and decide if they were prepared to insure the van. Needless to say I "politely declined" I didn't end up going with Shannons either, purely from a cost perspective. Regards Di
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