Holiday cancellation insurance just for UK to cover late cancellation of site charges.

[Petroleumblownapart]

Interested in what if any cover is recommended with likely cost and where to buy from. What is your experience and advice please?

 

[shrek snr]

Holiday insurance is only valid if booked with a hotel or recognised holiday company, I dont think you can get cover for camping,
.

 

[chaser]

Holiday insurance is only valid if booked with a hotel or recognised holiday company, I dont think you can get cover for camping,
.

Suppose it's different for club sites.

 

[Odd-no-more]

I have only ever claimed for delayed luggage, but there are policies available for UK holiday, have a look at Compare the Market

 

[PP Bear]

I had to cancel a trip to Seahouses site a few months back, but had no insurance. They were very good and refunded me around 90% of the costs, once the pitch had been rebooked.

We’re heading there again in September and took out insurance for it, as it may well be cancelled again. I think £20 well spent for us and peace of mind too. It was the site that recommended it and was a part of their booking process.

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[Pausim]

I doubt it is worth bothering with insurance. We had to cancel 2 weeks of bookings when I had a heart attack earlier in the year. Both the sites agreed to transfer the bookings to September. Talk nicely to the sites, don’t ask for a refund but for credit or a new booking and you will probably lose nothing.

Some things are just not worth insuring, the insurance companies are there to make a profit. I never bother with extended warranties on domestic goods, I have saved a lot over the years. I did extend my Fiat warranty to 5 years but this was as much to keep Fiat and Fiat Camper Assist involved for 5 years and the sums involved are potentially a lot bigger (this has paid off).

 

[Barryh]

Holiday insurance is only valid if booked with a hotel or recognised holiday company, I dont think you can get cover for camping,
.

My travel insurance covers for both UK and abroad. In the UK any pre-booked trip of one (or it might be two) nights or more is covered. Type of accommodation doesn’t matter. I can’t remember excesses but I’m sure it wouldn’t be worth trying to claim a Club £25 deposit.

 

[Langtoftlad]

Would Nationwide's Flexplus account included insurance cover you?

 

[Petroleumblownapart]

I had to cancel a trip to Seahouses site a few months back, but had no insurance. They were very good and refunded me around 90% of the costs, once the pitch had been rebooked.

We’re heading there again in September and took out insurance for it, as it may well be cancelled again. I think £20 well spent for us and peace of mind too. It was the site that recommended it and was a part of their booking process.

Which company please?

 

[Petroleumblownapart]

My travel insurance covers for both UK and abroad. In the UK any pre-booked trip of one (or it might be two) nights or more is covered. Type of accommodation doesn’t matter. I can’t remember excesses but I’m sure it wouldn’t be worth trying to claim a Club £25 deposit.

I specifically said for late cancellation... Surely no one would expect claim a 10% deposit back?

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[Barryh]

I specifically said for late cancellation... Surely no one would expect claim a 10% deposit back?

How late is late? I’ve told you what my policy does, which covers what you asked. The £25 was merely to highlight excesses.

 

[Petroleumblownapart]

How late is late? I’ve told you what my policy does, which covers what you asked. The £25 was merely to highlight excesses.

Late is within the 21 days at CAMC. At which point further charges become due. I'm not talking about changing my mind but just medical or other agreed emergencies.

 

[Barryh]

There are no further charges at CAMC within 21 days, you pay the balance on the day, so only your deposit is forfeited if you don’t turn up for whatever reason. Of course outside of the “Clubs” there will be a myriad of different scenarios. Good luck with finding something that suits you. We use Staysure.

 

[Petroleumblownapart]

There are no further charges at CAMC within 21 days, you pay the balance on the day, so only your deposit is forfeited if you don’t turn up for whatever reason. Of course outside of the “Clubs” there will be a myriad of different scenarios. Good luck with finding something that suits you. We use Staysure.

If only you were correct..... S

• If you decide to cancel or amend any nights of your stay, or remove guests from your stay within 21 full days before your arrival date a cancellation charge will be applied. The charge will be the loss of some or all of the original deposit you paid, for example:
  • If you cancel your whole stay, you’ll lose the whole deposit paid for that stay
  • If you cancel some of the nights of a stay, you’ll lose the deposit amount for each of the nights cancelled (the deposit value for each night is prorated using the value that each cancelled night represents of the total price of that stay. For example, if you cancel the first night of a three night stay and the first night represents 40% of the total price of the stay, then you will lose 40% of the deposit paid and retain the remaining 60%). The charge for removing guests within 21 days of arrival is calculated the same way.
  • If you move or ‘shift’ your dates (cancel some nights and add additional nights), you will lose the deposit for each night cancelled from your original stay, and you may be required to pay a new deposit for each new night added

Extract from latest booking attached which is only around a quarter of the 'small print'....

 

[Barryh]

The charge will be the loss of some or all of the original deposit you paid, for example:

Look, I have tried to be helpful, but you seem not to want it.

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[Petroleumblownapart]

???

 

[Barryh]

If only you were correct..... S

Which I was.

 

[The Wino]

If only you were correct..... S

• If you decide to cancel or amend any nights of your stay, or remove guests from your stay within 21 full days before your arrival date a cancellation charge will be applied. The charge will be the loss of some or all of the original deposit you paid, for example:
  • If you cancel your whole stay, you’ll lose the whole deposit paid for that stay
  • If you cancel some of the nights of a stay, you’ll lose the deposit amount for each of the nights cancelled (the deposit value for each night is prorated using the value that each cancelled night represents of the total price of that stay. For example, if you cancel the first night of a three night stay and the first night represents 40% of the total price of the stay, then you will lose 40% of the deposit paid and retain the remaining 60%). The charge for removing guests within 21 days of arrival is calculated the same way.
  • If you move or ‘shift’ your dates (cancel some nights and add additional nights), you will lose the deposit for each night cancelled from your original stay, and you may be required to pay a new deposit for each new night added

Extract from latest booking attached which is only around a quarter of the 'small print'....

But doesn't that say that the deposit is forefitted rather than the full site fee?. Insurance companies aren't charities they make a profit for their shareholders and have pretty big admin costs so if you cancel an average amount of times it's going to cost more in insurance than you lose in premiums! It's different with something thats really expensive as you can't afford to pay if you're the unlucky one. For that reason I wouldn't bother with insurance for site fees. We do have a nationwide account that includes travel insurance which we rely on for travelling abroad by air. It may well cover site fees too that we might lose but I can't recall ever cancelling a trip for a reason that insurance would have paid for so I've never investigated it

 

[PP Bear]

Which company please?

That’s a good question, as the insurance is directly with the camp site and they don’t advertise who they use as their insurance provider and I never asked as it didn’t make any difference to me having the insurance with them.

Its not a private third party insurance.

 

[Petroleumblownapart]

But doesn't that say that the deposit is forefitted rather than the full site fee?. Insurance companies aren't charities they make a profit for their shareholders and have pretty big admin costs so if you cancel an average amount of times it's going to cost more in insurance than you lose in premiums! It's different with something thats really expensive as you can't afford to pay if you're the unlucky one. For that reason I wouldn't bother with insurance for site fees. We do have a nationwide account that includes travel insurance which we rely on for travelling abroad by air. It may well cover site fees too that we might lose but I can't recall ever cancelling a trip for a reason that insurance would have paid for so I've never investigated it

No it doesn't and I wasn't talking about deposits... The attached rules from the club explain about the balancing payments which was my initial question.

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[Petroleumblownapart]

That’s a good question, as the insurance is directly with the camp site and they don’t advertise who they use as their insurance provider and I never asked as it didn’t make any difference to me having the insurance with them.

Its not a private third party insurance.

I wonder if they operate their own insurance account and hope that most people who pay the 'insurance' don't actually cancel, leaving funds available, to reimburse the odd few that need it.

 

[Odd-no-more]

We have booked pitches at a Parkdene site, they offered cancellation insurance.

 

[The Wino]

No it doesn't and I wasn't talking about deposits... The attached rules from the club explain about the balancing payments which was my initial question.

Your post link says this

within 21 full days before your arrival date a cancellation charge will be applied. The charge will be the loss of some or all of the original deposit

Where does it say about anything else? As I said why would an insurance company pay out more in claims than premiums? Do you feel you are more likely to cancel than an average person?
Insurance is just gambling. If you take it you gamble that you are likely to claim more than you pay in premiums. The insurance company gamble that they will collect enough more in premiums than they pay out, they spent on admin and advertising etc and they pay in dividends for their shareholders. They set the odds. Guess who tends to win!

But if you still want to insure have you thought about something like a payable bank account that includes travel, breakdown,phone etc cover. If you tend to insure things anyway it could work out cheaper.

 

[Petroleumblownapart]

Your post link says this

within 21 full days before your arrival date a cancellation charge will be applied. The charge will be the loss of some or all of the original deposit

Where does it say about anything else? As I said why would an insurance company pay out more in claims than premiums? Do you feel you are more likely to cancel than an average person?
Insurance is just gambling. If you take it you gamble that you are likely to claim more than you pay in premiums. The insurance company gamble that they will collect enough more in premiums than they pay out, they spent on admin and advertising etc and they pay in dividends for their shareholders. They set the odds. Guess who tends to win!

But if you still want to insure have you thought about something like a payable bank account that includes travel, breakdown,phone etc cover. If you tend to insure things anyway it could work out cheaper.

Point taken.... You are correct.... I am an idiot!

 

[PP Bear]

I wonder if they operate their own insurance account and hope that most people who pay the 'insurance' don't actually cancel, leaving funds available, to reimburse the odd few that need it.

Most probably, but then isn’t that how all insurances work in the first place.

It’s all down to SWMBO and sudden work that we can’t refuse. Happens quite frequently tbh and if we’re off to be FLT’s then that no problem as we can rearrange that. But, she’s got this think now about puffins and birds and seals and dolphins and wants to stop at Seahouses for a break, so took the cancellation policy out when booking, just in case.

Honestly, pesky blooming women

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[The Wino]

Point taken.... You are correct.... I am an idiot!

The man who never made a mistake never made anything!

 

[Barryh]

Point taken.... You are correct.... I am an idiot!

Which is what I said way back.

 

[royandsharont]

With the CAMC if you arrive and pay the full balance and then have to cancel some of your nights, even for medical reasons, you then loose the next 3 nights full fees plus any remaining nights deposit.

So in effect, as I’ve recently personally found out, if you don’t show or cancel within 21 days you lost in my case the 20% deposit. But I paid for the first 3 nights which I was there for, then had to leave so in effect cancelled the remaining 14 so lost another 3 nights full then 11 nights at 20%. A lot more than had I not shown up which I thought was very unfair. The Wardens were very good and you can appeal any charges.

These are in the T&C but you have to find them, they are not included in your booking email which lists only the cancelling in advance fees, which I thought was not very transparent or friendly. Not sure if there is a link to them or not on the booking page as I haven’t made another but I know you do have to tick the box

I was pretty sure from the pre deposit scheme the signs around sites said words to the effect of’ Don’t worry if you have to leave early, tell the warden and we will deduct just one nights fees from you and refund the balance’ Not any more. Can anyone confirm this, the Club won’t tell me.

Under the temporary 10% deposit scheme if your booking came under that you’d still loose what I did but the remaining 10 days would have been the 10% so overall an even larger percentage if you attend rather than cancelling in advance because of the 3 nights losses as well. Mine was booked tge week before tge 10% deposit came in but cancelled after it was in which made it feel worse.

In my case at least 3 of my cancelled nights for my pitch were re sold which just added salt to my wound but business is business and I’ll now look elsewhere first and ensure I know the T&C rather than the norm of Club sites first choice. Expensive lesson learned at £40 a night but at least I got home and received the medical attention I needed.

 

[The Wino]

With the CAMC if you arrive and pay the full balance and then have to cancel some of your nights, even for medical reasons, you then loose the next 3 nights full fees plus any remaining nights deposit.

So in effect, as I’ve recently personally found out, if you don’t show or cancel within 21 days you lost in my case the 20% deposit. But I paid for the first 3 nights which I was there for, then had to leave so in effect cancelled the remaining 14 so lost another 3 nights full then 11 nights at 20%. A lot more than had I not shown up which I thought was very unfair. The Wardens were very good and you can appeal any charges.

These are in the T&C but you have to find them, they are not included in your booking email which lists only the cancelling in advance fees, which I thought was not very transparent or friendly. Not sure if there is a link to them or not on the booking page as I haven’t made another but I know you do have to tick the box

I was pretty sure from the pre deposit scheme the signs around sites said words to the effect of’ Don’t worry if you have to leave early, tell the warden and we will deduct just one nights fees from you and refund the balance’ Not any more. Can anyone confirm this, the Club won’t tell me.

Under the temporary 10% deposit scheme if your booking came under that you’d still loose what I did but the remaining 10 days would have been the 10% so overall an even larger percentage if you attend rather than cancelling in advance because of the 3 nights losses as well. Mine was booked tge week before tge 10% deposit came in but cancelled after it was in which made it feel worse.

In my case at least 3 of my cancelled nights for my pitch were re sold which just added salt to my wound but business is business and I’ll now look elsewhere first and ensure I know the T&C rather than the norm of Club sites first choice. Expensive lesson learned at £40 a night but at least I got home and received the medical attention I needed.

It sounds like you lost about £200 so very annoying but in terms of a holiday cancellation of any other sort a pretty smallish amount . In the context of holiday insurance (as mentioned by the op) is that an amount people would take out a separate policy to cover or one where they would cover the risk themselves?

 

[royandsharont]

I personally would not have claimed on my permanent holiday insurance for this, it was just one of those unfortunate things.

What peeved me was the negative changes to the ‘members’ under the pretext of trying to root out ‘speculative bookings’ then its even worse for someone who does turn up than it us for someone who doesn’t even show up. Premier Inn I believe let’s you cancel at no cost up to 1300 on the day of arrival and there is no membership subscription involved.

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