I read in Insurance Times recently that the financial Ombudsman had decreed that it would, in certain circumstances, back a policyholder against an insurer excluding claims for leaving keys in or near a car.
I can't help but wonder if the same would apply for a motor home.
As an insurance broker, I almost feel that this story is not one to publicise.
The family and I had a late night in our motorhome playing cards and went to sleep very tired.
As a result, when we woke up the next morning we were already late for a rendezvous that we had arranged with our close friends and fellow motor homers, the Wilsons.
The usual queue for the shower ensued and by the time we were finally ready to go, our friends had decided to explore the country-side without us.
Then I couldn't find the keys.
We looked everywhere, and in my usual patient and understanding way I first accused every member of the family of hiding them, progressed to accusing them of not helping me to look for them properly and concluded by accepting my son's version of events that aliens had come from Mars and stolen the keys to my motor home.
I went to the cab to get my mobile and call my insurance company for help.
I was stranded in the middle of a field with a grumpy family...
and it was about to rain.
There in the centre consul, with my phone, were the keys! Oh my goodness.
I had left the keys of my precious motor home in the cab.
I couldn't help wondering if my motor home would have been insured if it had been stolen and my mind drifted back to the Insurance Times article.
If my motorhome had been a car the ombudsman would have considered Location Was I in a position to deter a thief Was I recklessly ignoring the risks Mitigating factors Whether I knew about the exclusion in the insurance policy I would like to think that this form of insurance pragmatism would have applied to me and my motor home.
I think that by using an insurance broker there is a lot more chance of getting the right insurance policy for your motor home