CIL Vs YOUI caravan insurance, Has anybody had bad experiences?

YouI refused to insure my van for agreed value. Market value only with some vague way of how they worked it out. CIL - agreed value, As far as i am concerned Market Value on a caravan is a complete waste of money.
Andrew

I would check the PDS for what is covered in regards to the telescopes when away from home as the YOUI policy has some very low limits or no cover at all in particularly to accidental damage.

Honky

Honky,
Yes agree with your comment. This is why I have a "customised" policy with Youi. They were the only company willing to do this.

While at home, my telescopes are covered under the standard Contents policy. Annual premium under $500.

My policy is set up like a bank acc where I can log-in. All of my scope equipment is listed within my policy. I log-in & add or remove items for travel away from home.
When I am taking scopes & equipment away from home, I log in & "add" all of the items that I am taking. They are then 100% covered anywhere in Oz until I log-in again & remove them.

In this way I only pay the additional premium per day for the days I have the gear away from home, rather than paying a fixed annual amount of more than $5000 which is what I was quoted by Suncorp, NRMA & the like under the traditional system.
If I take every bit of scope gear the daily premium is $35/day. But I rarely take everything. Usually about half of the gear.

Annually I only have the gear away from home for a maximum of about 25 days total. So with this customised policy I save about $3500/yr in premium compared to a standard style "away from home" clause in a standard contents policy.

Cheers, Bryan

Just to follow up....
If Youi have accepted your potentail maximun claim with all of your telescopes listed (and your happy with yours/their description & VALUE....go with them....wishing you all the best....hope you dont have to make a claim.....if you do,...... I really do hope it is painless!

Sorry to hijack your thread, but for the sake of transparency i just wanted to add the following.

As i was pretty furious with the above response from CIL, i rang back and pulled the "let me speak to the manager" card. As a result the assessor called me within half and hour and had the repairs approved..... good outcome, but should this be necessary?