Insurance Times published an article recently stating that the financial ombudsman had decreed that there are certain circumstances in which it would back the policyholder over the insurer, excluding however, instances where keys have been left in or near a car. I was then left wondering if the same would apply to motor homes.
So the family and I had rather a late night in our motorhome playing cards and so we were all quite tired when we eventually turned in for the night, meaning that the next morning we were already late for our arranged meeting with our friends and fellow motor-homers the Wilsons. Then came the usual morning commotion, the queue for the shower and the breakfast rush, then by the time we were ready to leave our friends had decided to explore the countryside without us.
I then realised I had no idea where the keys were so I looked for them, and couldn’t find them. My family then joined in the search and in my usual calm and patient manner I accused each family member of stealing them, then moved on to accusations of half-hearted searching before finally accepting my son’s version of events which was that aliens must have come from mars and stolen the keys to our motorhome. So I then went to the cab to get my mobile so I could call my insurance company for help. I was stranded in a field with a grumpy family and to make matters worse, it was about to rain.
There in the centre consul, with my phone, were the keys! Oh my goodness. I had left the keys of my precious motor home in the cab. I couldn’t help wondering if my motor home would have been insured if it had been stolen and my mind drifted back to the Insurance Times article.
If my motorhome had been a car the ombudsman would have considered
Was I in a position to deter a thief
Was I recklessly ignoring the risks
Whether I knew about the exclusion in the insurance policy
I would like to think that this kind of thinking would have applied to me and my motorhome. If you use an insurance broker there is a much higher chance of finding a comprehensive insurance policy to cover you whatever your situation.