E@L, Total waste of time & money!

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E&L Caravan Insurance www.eandl.co.uk
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Zafira15's review of E&L Caravan Insurance www.eandl.co.uk

“E@L, Total waste of time and money! ”

★☆☆☆☆

written by Zafira15 on 15/07/2016

E & L are robbers and won't pay out!!!!
Our caravan was stolen a few weeks ago, it was loaded with all our stuff ready for us to go away on holiday,we've lost everything. We took out a claim but was told I must produce receipts for contents which I haven't got, things have been purchase through the years and if I did have the receipts they go blank over time anyway. They sent out a loss accessor to the farm where it was kept, he stated their are two entrance / exits,wrong! just one! They won't pay out cause it's a working farm! Wrong, it hasn't been a working farm for about 12 years. They state that they weren't aware that it was kept at a farm! Wrong! I gave the name of the farm when taking out the insurance,I didn't know the house number, they got that themselves,also now they say their insurance doesn't cover farm fields. What about when I was on holiday? We didn't always have hard standing. The loss accessor says that it hasn't any fencing or gates! Wrong! The one gate was removed when the caravan was stolen,the other had the chain cut, their is fencing around it, how can the loss accessor miss these things when he is supposed to be the best at his job,and they always use him? Did he actually go their or did he use google earth? He was supposed to be coming to see us but he never Our hitch lock and wheel clamp was removed when they stole our caravan and they even took these away but they wanted proof that these where fitted, How can I prove this when its gone? They have told me to put this down to experience and when I get another caravan, make sure they are aware of where it is kept! They must be having a joke, I can't afford another caravan and even if I could I wouldn't use them again if it was the last insurance in the world!! They haven't heard the last of this one cause I'm not going to give up! I have paid out for the insurance all these years and they are quick enough to take my money each month. I have now gone to the Ombudsman, waiting to see where I go from here?

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Helpihaveillegalcharactersinmyname's Response to Zafira15's Review

Written on: 20/07/2016

I've already commented elsewhere just now but I'll add to it by saying they asked us to provide receipts for every single item in the caravan.
How stupid is that? As caravan users we add to the contents of our vans as we go along and in all honesty who keeps receipts for a set of cutlery/crockery?

E&L are a total joke and need striking off!

Glad to read a more updated post from you Zafira and glad to see that you have taken it to the ombudsman. I hope you had enough for them to investigate because you have to exhaust every single avenue before they will listen.

With us it was that they couldn't prove what they were saying because it simply wasn't true. Sounds like you are in a similar position and if that's the case then ask them to show you proof of where they claim you said you kept the caravan. Also get pictures of the entry/exit point and also proof that it hasn't been a working farm for 12 years.
I think you've got a pretty good case here because it smacks of the rubbish we had to wade through before finally they paid us out in full!

Oh.....they paid us out in full for the caravan ........ which I accepted. Then I went back to them and offered them the opportunity to discuss a figure for the loss of contents. They paid that out in full as well.....no arguments. I couldn't provide receipts for towels and cutlery etc but I could provide receipts for microwave, halogen oven, awning, tv arial and other expensive items. I wasn't totally happy with that pay out but at least it covered 3/4 of the contents. What couldn't be replaced were recently added items from my childhood home after my father passed away. I had precious things (to me) in that caravan and given that I'd also undergone radical surgery for cancer just a month before the theft it hit me very hard.
The last thing that I needed was a pile of illiterate muppets trying to get out of honouring our insurance!
Good luck and please let us know how you get on.

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