Hi, Please can you help I requested SAR from the site and they acknowledged my request on the 11th January but I was told that they may not have it as it might have been damaged in the flood, I’m still waiting for their public liability details, flood management plan and the data on my sales agreement. Still not be able to access my caravan as it is still flooded on site and would hate to think what it is like inside with the mould etc. where can I go from here ? Should I just hand the keys back to the site and walk away ? Regards Tracey

I have sent them an email regarding “SAR” but I’m not holding my breathe I get anything back.

Apologies, I have requested the information from the caravan park regarding the other pages to my sales agreement. I have had different insurance companies over the years as every time its due to be renewed I look for the best deal, I need to pull out my paperwork to see if I kept the information Yes the site is Riverside caravan centre in Bognor Regis which is a holiday park, it has a 8, 10 and 11 month area. I know that some people on the 10 / 11 month, it’s their main residence even though the site doesn’t have a license for that. Just been advised it has flooded again, it was clear last weekend but slowly rising again due to the rain full. Some people on site that have flood cover insurance seems to be the ones on site for years but all the new people are either trying to salvage their vans or walking away and losing everything. i have emailed the site for a copy of their flood management plan and the data on my sales agreement but not holding my breathe for a response. Regards

This is all I was given / have.

Hi Stu007, - I have read through and it seems that the site did not do any of the things recommended. No signage anywhere on site. I purchased the caravan from a previous owner on site but it had to go through their sales office as they handle the transaction from the sale and take a commission before handing the money to the seller. I have attached to sales agreement (blanked my details) and it was only the 1 page, nothing printed on the back or other pages. - I have emailed the caravan site to request a copy of their flood management plan and public liability details, don’t expect to get any response from them. - I am going to digest this information next. Regards RIVERSIDE CARAVAN CENTRE PURCHASE AGREEMENT.pdf

Silly question, do you know if an insurance company can pursue a claim on the sites public liability or is this something I would have to do independently?

Hi, Apologies, when did you first have sight of this policy containing this exclusion? **28th October 2023** what is the value of the damage your caravan has sustained **complete caravan value £10k but new for old would be approx £50k**

Hi BankFodder, Stu007 This is correct BankFodder. Thanks for all the info Stu007, very interesting reading Regards

Hi, I noticed the exclusion when I brought the policy. I brought my caravan from a previous owner on site via the caravan park my contract is passed from the previous owner to me apparently, I have only just found out that my caravan was flooded back in 2012 but this was not disclosed to me, let alone any damage that was caused. I’m under the impression that my caravan is a complete write off as the dirty black water actually went inside the caravan, about 6inches. The caravan has mould inside, the doors are split and the smell is awful.

I have attached their standard policy but on my insurance schedule it states “Variations to policy cover : This insurance excludes loss or damage caused by flood. Flood is an inundation of water from the normal confines of any natural or artificial water course including but not limited to streams, rivers, culverts, lakes, ponds, reservoirs, canals, dams, coastal waters and/or the overflowing of water onto land arising as a direct consequence of rainfall.” Did try to claim as storm damage because the 2/3 storms brought torrential rainfall. I’m not sure if I can claim or how to against the sites public liability? Thanks NACO_Policy.pdf

My insurance policy excludes flood damage as apparently the site is known to all insurance companies

Can you help, I brought a static caravan 6 years ago for £10,000 and was not told the site my caravan is on floods. It flooded really badly at the end of October and my caravan was sat in water (dirty, black water) for nearly 4 weeks and is completely damaged, unfortunately my insurance doesn’t cover flood damage, can I claim back damages from the site as they are apparently a flood plain 3 and they allow the land to flood to help the EA to protect residential properties. They were aware of the potential risk of flooding because they had a bad flood back in 2012, they did not have anything in place or did anything to prevent damage. Also during the time the site was flooded the owners did not keep people informed officially only via their Facebook page (not often). I’m trying to cover all avenues to try and recover some of my losses. Regards