I HEREBY RETRACT ALL PREVIOUS COMMENTS SUPPORTING CIL AND THEIR THEFT COVER THROUGH BED ENDS.
Despite receiving the following statement from CIL on 21st November 2011 after taking out a policy (with increased contents)
After all the current postings I yesterday asked CIL the following;
and todays answer
How a slashed wall is not "forced entry" is beyond me. The policy has now been cancelled and a new one taken with RACV at $80 more. When cancelling the policy the rep asked why and all I needed to say was "I am one of the disgruntled Expanda owners". He knew exactly what has been going on
Despite receiving the following statement from CIL on 21st November 2011 after taking out a policy (with increased contents)
Thank you for your enquiry.
The policy will definitely cover theft from a Jayco Expanda, as the canvas forms part of the caravan. The exclusion applies more to soft walled annexes and camper trailers, where the whole tent is made of canvas.
If you have any further queries, please don’t hesitate to call CIL on 1800‐112481.
Kind regards,
After all the current postings I yesterday asked CIL the following;
Hi, I took a policy with CIL when I purchased my Jayco Expanda in Nov last year. Prior to taking it out, I read the PDS and asks for clarification on a few items. One of those was in regards to the van having soft walls when opened, and the policy suggested theft would not be covered.
I received a written response from a Sales and Service Consultant stating "The policy will definitely cover theft from a Jayco Expanda, as the canvas forms part of the caravan. The exclusion applies more to soft walled annexes and camper trailers, where the whole tent is made of canvas."
I am part of an 'Expandas' forum and have stated the above many times, but when other members make inquiries they are told theft will not be covered, period. As such they go to other insurers who state it will be covered.
This conversation has started again, and at the moment my policy is due for renewal.
So could I again seek written clarification from CILs underwriters if theft is covered from a van such as a Jayco Expanda, if entry is made through the canvas bedends. Noting that the van has hard main walls, but the canvas is permanently fixed in place [ie no velcoed attachment etc) so entry can only be made by cutting. I understand this does not apply to soft walled annexes.
and todays answer
Thank you for your enquiry, we do cover theft but it has to show forcible entry, so if expensive items are in a locked box and can show the lock has been destroyed , it would be covered, if they slashed the walls and a theft occurred then it would not be covered as it is a high risk, we have not had a lot of claims through theft like the forum is talking about.
Kind regards
How a slashed wall is not "forced entry" is beyond me. The policy has now been cancelled and a new one taken with RACV at $80 more. When cancelling the policy the rep asked why and all I needed to say was "I am one of the disgruntled Expanda owners". He knew exactly what has been going on