Hi Andy
I was told they don’t cover fixtures and fittings other than a factory fitted stereos.
I asked what would happen in the event of an accident where I was hit on the passenger side causing damage to kitchen units inside, and was told (following a check with their underwriters) that the outside base van was covered but not repairs to the internals, cooker etc if they were damaged. The lady explained that if I had got a base van and had a 3rd party conversion done, then it wouldn’t be covered and this was the same.
Of course I expressed surprise given that VW ensure a Cali and know full well it is a camper. She did confirm that if my imaginary accident caused it to be written off within the 1st year, then it would be replaced with a new a new Cali (not just a van).
Personally I would have been happy to pay a ‘little’ more to know that I was ensured by people who knew exactly what a Cali was and it was properly covered, but this raises doubts. I can’t recall the exact discussion the last time I got a quote from VW back in March, but I came away with the impression that they covered everything which is why I came back now I’m due for renewal. Perhaps things have changed, perhaps I’ve spoken to two people with a different view of the level of cover.
I would suggest double checking yourself and please post the answer you get.
Having looked again at the policy wording today, I can’t see anything that excludes camping kit or for that matter specifically includes it. I did find this statement ‘We will pay for loss or damage to Your Vehicle up to the Market Value of Your Vehicle, including its spare parts or accessories (products designed to be fitted or used only in or on a vehicle)’. To my mind the camping interior of the Cali should fall within this definition so I think I’ll call back to double check this with someone else.
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