Written on: 12/06/2013 by Thenoise (1 review written)
This company will take money and will do anything to get away without paying. If you have a claim with this company you MUST keep at it and complain to the Ombudsman. They will try to wear you down and make you submit. Keep all correspondence and write to Watchdog (the more the better) This company need to be exposed. Think how some pay for years without a claim but when they do the problem is revealed. This company only deals with certain kinds of insurance caravan,pets,student... (read more)
Written on: 29/05/2013
Just got back from Aus to discover they removed £66 pounds from my credit for renewal of caravan insurance I had with them last year. When I told them I no longer have a caravan they offered me a refund of £26. Insurance companies should not be allowed to automatically renew policies without some communication with the customer. I've been robbed, and was not overly impressed with the reaction I got from Barclaycard either, my card is going in the shredder (read more)
Written on: 27/12/2012 by heidikris (1 review written)
For anyone considering insuring their caravan with this company PLEASE, PLEASE DONT. Our caravan which was 2 years old was stolen whilst in winter storage at the caravaning and camping club site at Walton On Thames, Surrey. We've not only lost the caravan but everything in it, TV, Hi - Fi, Bedding, saucepans and lots of personnal things. The insurance company have just informed us that they are not liable because there was no alarm on our van , even though they were... (read more)
Written on: 05/11/2011
had abrand new c/van stolen after 4mths along with 4others from inside alocked building.informed e/l who sent a loss ajuster ,he looked around where the van was been kept ,said he could see no prob with my claim.had a letter from e/l saying they would not pay as there was no alarm on the doors to the undercover storage area.this is dispite the c/van havin a alarm,hich lock & bull dog wheel clamp on.unable to get through the doors they took down a side wall then took all c/vans across... (read more)
Written on: 02/11/2011 by BROADSWORDCALLING
IN AS FEW WORDS AS POSSIBLE, THEY DO NOT ANSWER THE PHONE AND THE ONLY REPLY YOU GET TO AN EMAIL IS AN AUTOMATED ONE, IF YOU ARE LUCKY AND SPEAK TO A PERSON THEY DO NOT HELP. THEY DO NOT KNOW WHAT THEY ARE DOING. BEWARE OF THE AUTOMATIC RENEWAL SYSTEM THAT THEY OPERATE, CANCEL IT! (read more)
Written on: 06/10/2011 by alanddee
I HAD BEEN INSURED BY THIS RIP OFF COMPANY FOR THREE YEARS AND THOUGHT THAT I HAD FULL COVER, AFTER ALL IT STATED SO IN THE POLICY. I MADE A CLAIM AND THEY REFUSED MY CLAIM AND WOULD NOT PAY OUT. HAD A RENEWAL THROUGH MY PREMIUM HAD GONE UP BY A WHOPPING 82% EVEN THOUGH THEY WOULD NOT PAY MY CLAIM. TO SAY THAT THIS COMPANY IS A RIP OFF COMPANY IS PUTTING IT MILDLY. STAY AWAY FROM THEM AND WARN ALL OF YOUR FRIENDS AND RELATIONS TO GO TO OTHER INSRANCE COMPANIES. (read more)
Written on: 05/07/2011
THIS COMPANY IS NOTHING BUT A LOAD OF CON ARTISTS THEY TAKE YOUR MONEY AND PROMISE YOU FULL COVER, THEY EVEN GIVE YOU A POLICY THAT STATES THAT YOU HAVE FULL COVER, BUT WHEN YOU MAKE A CLAIM, AND ONLY AFTER YOU HAVE MADE A CLAIM, THEY THEN TELL YOU THAT YOU ARE NOT COVERED. I THOUGHT THAT I WAS FULLY COVERED AND INTO MY THIRD YEAR WITH THESE ROBBERS I HAD TO MAKE A CLAIM ONLY TO FIND OUT THAT MY POLICY IS WORTHLESS. EVERYTHING THAT THEY SAY IS COVERED IS NOT COVERED. IF YOU HAVE A POLICY... (read more)
Written on: 26/04/2011
i recently tried to make a claim for my static caravan due to water damage after a few weeks of messing around sending quotes back and forth and assesors going in E and L informed me they would not pay out insurance as the caravan was not occupied at the time.In the small print they say between the 1st october and 31st march your caravan isnt insured if it is left for more than 24hrs at a time.If you do leave it for more than that you have to drain down and take out any valuables worth over... (read more)
Written on: 19/04/2011
e&l insurance policy holder
caravan got stolen i moved it from home to a locked compound to do season maintenance first night it was there it went missing
E&L said sorry you cannot claim due to not informing us
what a joke of an insurance company dont get shafted like i have (read more)
Written on: 31/03/2011
Stay away from this company !!!
Our caravan window was damaged by someone who wanted to gain access to our caravan to sleep in, several weeks after this happened we changed our caravan:I rang E&L to inform them of this and to get a new quote, to my surprise I was told that due to making a claim they would not insure us with our new van.
When I spoke to the caravan club they could not believe what had happened. The company is a total sham !!! (read more)
Written on: 30/12/2010
Please do not use this shower...They aren't known as E&HELL for nothing..They will not pay out!! Had my van stolen and their requirements for security are so tight you could not comply..took them to ombudsman and won..took a year to pay out..BUYER BEWARE (read more)
Written on: 27/10/2010 by Scanners (4 reviews written)
Was looking for caravan insurance online and nearly took out a policy with this company because it was very cheap. At last minute checked the security requirements (buried away on their website) and found that some very specific requirements which didn't suit my situation.
Then found this site so glad I didn't proceed after all.
Buyer beware!! (read more)
Written on: 05/10/2010
Absolutely awful. Tried to make a legitimate accidental damage claim and they would not pay. Also found out that they have been charging me more than double next most expensive for 5 yrs. Went onto insurance comparison site and even they were half of what they were charging me. Absolute rip off and they have no intention of covering what you pay for. Don't touch with a long pole. (read more)
Written on: 09/09/2010
Stay away from these crooks.My caravan was stolen and these despicable people tried all in the weak power to not pay out although all criteria was met.Go to caravan guard.co.uk.
Written on: 06/08/2010
Totally shambolic customer services, couldn't even get the monthly premium right!
AVOID! (read more)
Written on: 30/07/2010 by Wee Caf (1 review written)
As previous reports, I made a claim for damaged roof light to be told, after paying 11 months 2 weeks insurance, that I was not covered for accidental damage. I have given one star rating simply because there is it not possible to give none. Customer service leaves a lot to be desired and would certainly not recommend this company to anybody. I was not aware of this website when I first bought my caravan as I would definately have checked out the comments. I will be using this website for... (read more)
Written on: 13/07/2010 by dai macca (1 review written)
I had a damaged awning on summer and had to claim, unfortunately their small print struck again and they declined to payout.
When my cover ended I took out new insurance with another company and was quite supprised to learn that they automatically removed the next years premium from my account with out my consent.
When i complained they hung up on me ! and it took me quite a while to get a refund.
Please never NEVER use this company, they have been nothing but trouble. (read more)
Written on: 27/06/2010 by travelog9 (3 reviews written)
Considering that 96% of customers of this insurer would not recommend it to anyone else, a further negative review is perhaps unnecessary. But E&L -- which describes itself as "a niche insurer" -- is so shambolic an outfit, a further wqarning to everyone to stay well clear of it is justified.
In our case, as static 'van newbies, we took out an annual policy with the company and thought no more about it. And fortunately (unlike so many others here) we had a claim-free year. At renewal time,... (read more)
Written on: 15/06/2010
Have just tried to make a claim on our caravan insurance following an accident only to discover that we don't have cover for accidental damage. Have been told by E&L that they are not allowed by law to advise on cover but it seems they are allowed to add optional extras to premium payments without mentioning it (I have discovered when cancelling my direct debit that I have been paying £3.60 per month extra for premium waiver and legal fees that I never recall agreeing to). Furthermore, I... (read more)
Written on: 09/06/2010
Been with E&L for my touing caravan insurance for two and a half years caravan was stolen 12 months ago could not get hold of anyone on the phone after 4 months they told me that my insurance claim had been declined because of security requirements. They sold us the policy over the phone and recommended it to us but will not pay out. How can this company get away with doing this to people? £13k down the drain!!!! (read more)
Written on: 29/04/2010
I only rate this mob as 1 star because there is no 0 star option. Took my money before I went on holiday. On my return I had a letter waiting to tell me that my storage site was in a flood risk area and my caravan policy was void. So what would have happened if I needed to claim whilst away??? Legalised Robbery - like most insurers!!
dont touch with a bargepole!! (read more)
Written on: 18/03/2010
I sufferd fire damage to my caravan and made a claim with E&L only to be told I was not covered. When I read the small print it seems everything that I was covered for in one column was excluded in another column. This makes my policy worthless. They were happy to take my money but not as willing to honour a claim. (read more)
Written on: 18/03/2010
My caravan was damaged due to an accident, which was not my fault. They told me that as it was raining heavily I was not taking enough care. I have tried many solicitors but as soon as I mention E&L they do not want to know, some have even told me that these people have been ripping people off since the mid 90's. My caravan remains an expensive garden ornament as I cannot afford to have it repaired. (read more)
Written on: 18/03/2010
I was insured with E&L and only when I made a claim did I find out that my cover was not worth the paper it was printed on. They are robbers, at least Dick Turpin had the decency to wear a mask. (read more)
Written on: 10/03/2010
We have just heard that E&L won't pay our claim because the security light was not shining directly on our caravan !!!! We have written to them to complain, and we are in the process of instructing our solicitors. Our caravan was £15K and they think we are just going to kiss goodbye to it, they're so wrong, we've got plenty to throw at this and will take it all the way. They are rubbish, our van was stolen 13 weeks ago and we've just got to this point. (read more)
Written on: 28/01/2010
I have made a claim with E&L. They refused saying that I was not covered but my policy clearly states that I am. They are con artists. They take your money but you are never insured. It takes weeks to get hold of them and they make rules up as they go along. Why can't the law stop them from robbing people. (read more)
Written on: 19/01/2010
Never Ever go with this company had my awning stolen from van in sept 09 only now(Jan 10) have they told me that i am not covered.This was due to storage area not secure enough.Well let me tell you the requirments they set for security Fort Knox would be proud of.You would be better of with no insurance and save yourself the premium.I say again NEVER NEVER. (read more)
Written on: 13/11/2009
CLAIMED FOR STOLEN CARAVAN IN AUGUST, STILL HAVENT HAD ANY FEEDBACK, DESPITE LOADS AND LOADS OF CALLS TO e&L, CAN NEVER GET THROUGH TO THEM ON PHONE, LEAVE MESSAGES, NEVER RING ME BACK, THEY ARE A PAIN AND THE CLAIM IS FOR OVER £4K AND I NEED TO BE PAID OUT.WHEN WE DID GET THROUGH THEY ARE TRYING NOT TO PAY OUT ON THE AWNING (WHICH IS COVERED) HOW LONG DO WE HAVE TO WAIT????
NEVER USE THEM!!!! (read more)
Written on: 27/10/2009
We used to link to E&L a number of years ago as they paid excellent referral commission. Following a deluge of complaints about them we withdrew all links and mention of the company from our web site.
Recently we have been receiving demands for payment from them. Goodness knows why and they will neither answer emails nor phone calls.
Needles to say we are neither paying these random invoices nor recommending them at any time in the future. (read more)
Written on: 25/10/2009
E&L Insurance are nothing but con artists. they take your money and do not tell you that you are not covered until after you have made a claim. I insured my caravan and paid extra for contents/accessories and they accepted my list of extras including my brand new awning.
I made a claim for storm damage to my awning and it took four weeks to get through to them, and that was by Email. I was told I was not covered even though I had the top policy which included cover for storm damage to my... (read more)
Written on: 07/08/2009 by andypippa (1 review written)
I bought our first caravan last summer (2008) and shopped around the internet for insurance. We went with E&L. Foolishly I had unhitched the caravan and did not pull the handbrake on fully to its verticle position. It rolled forward and hit a wall causing minor damage to the front panel. I faxed off my claim form in order to speed things along and posted the original that day. A month later no progress so I phoned them and by a funny coincidence they had waited to take this years premium... (read more)
Written on: 31/03/2009 by steja01 (1 review written)
I wish I read the reviews before taking out insurance with them.
Last year I bought a new caravan and like most people I searched the internet for the best insurance quote. E&L was the cheapest and the most responsive. As my policy is now due for rewal and have not yet received their new offer I contacting them for their quote for this year, I have found it to be 85 pounds more expensive, about 40% more. The customer services said that they will send me out my re-quote, this was today. I... (read more)
Written on: 07/12/2008 by melvyn27 (1 review written)
E&L Caravan Insurance told me I could get my window repaired at the place where I had just bought it brand new then, two months later, said I had to go to a certain dealer to have it done. They also said my excess was doubled because I was an inexperienced tower (was in the conditions - somewhere!) which meant they would only pay £30 of a £280 claim. The people that sold me the caravan are a well established company and could not believe they had done that. Cancelled insurance and took the... (read more)
Written on: 01/12/2008 by Iain67 (2 reviews written)
Tried on numerous occasions to contact claims department by e-mail & phone with absolutely no success. We actually thought the company had ceased trading at one point.
Eventually cancelled the policy and took our losses. (read more)
Written on: 23/01/2008 by vanessa69
Started off by being the cheapest monthly caravan insurer we found on the internet. Then not long after we started policy they wrote to say it was going up by £1 or £2 for a 'better policy'. They did this at least 3 times over the year! So look out for this as it will probably work out the dearest. Also they take 'lunar month' payments, ie. every 28 days, which is 13 payments per year. Again, look out as two premiums will come out in one pay-month! Have just checked out quote for a brand new... (read more)
Written on: 18/05/2007 by Ellen Wheeler 02 (1 review written)
I think We should all get together and email BBC Watchdog, as all the stories are the same. Do they ever pay any claim quickly.
If anyone interested in contacting Watchdog as I think they will sort it out. I think this is a big enough story for them. (read more)
Written on: 03/04/2007 by mookatchris (1 review written)
We extended our cover at extra expense to include our awning for damage, theft etc, only to find when a claim was made against our awning for storm damage ,they ducked out saying storm damage to a awning was not covered and "didn't I read my policy properly", this was stated in micro print, although the awning was covered for "damage".
I've later made another claim for a broken window and after paying upfront for the repairs (Over £350) two months later am still waiting for a cheque, (they... (read more)
Written on: 30/10/2006 by bigted
In view of the comments made by former policy holders with regard to settling claims for stolen caravans I find myself very insecure about my policy. My caravan is worth in excess of £14000 so I have to be careful - I shall not be renewing my policy with this company and would suggest that any prospective customer thinks twice. I have just received my new premium figure and it has doubled even though I have not made a claim. (read more)
Written on: 26/03/2006 by gil2509 (1 review written)
Although I answered all questions asked of me when I applied online, it was never suggested to me that the place of storage was unsatisfactory, or that as the caravan was worth over £5,000, I should have an alarm fitted, (there were plenty of other security devices fitted). To my cost, this was all in the small print. From personal experience, I would not recommend this company to anyone. (read more)
Written on: 13/12/2005 by ecca
We had our caravan stolen in May this year, 5 months later E&L Caravan Insurance decided to inform me that the place I stored it was not secure enough, bearing in mind that when I bought the caravan and moved it into storage I described the place and told them that there was no CCTV and lockable gate on site. Their response was that we were fully covered as in the small print it states that the caravan can be stored at another persons place of residence as long as they knew about it and... (read more)
Written on: 03/11/2005 by firefighter (1 review written)
Unfortunately, I didn't search for reviews before taking out this policy with E&L. Similar to so many of the pet reviews on this site with E&L, the same must be said for their caravan insurance. They had no problems with providing me with insurance from the details I gave them. I paid my premiums every year. However when it came to them settling a claim when my caravan was stolen and recovered trashed, they said that the compound it was stolen from was not secure enough, despite it... (read more)
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