DEFINITIONS
Type of Insurance and Cover
.
You will be covered for only those sections you request.
The maximum amount covered is the value shown within your
policy wording or on the policy schedule. Please read caravan
insurance cover types
Duration
Policies are annually renewable. The period of insurance will
be shown on your schedule.
Loss or Damage to the Caravan and Equipment
This usually ncludes fixtures, fittings, furnishings, utensils,
bedding and accessories, awnings and toilet tents.
Loss or Damage to Contents
This optional Cover applies to contents which belong to you
whilst they are in your caravan.
This usually excludes: money, cheques, stamps or stamp collections,
credit and cheque cards, securities for money, deeds, bonds,
tickets, bills of exchange, promissory notes, certificates,
manuscripts and documents of any kind, pedal cycles or contact
lenses, mobile or portable phones or pagers, computers, computer
equipment and computer games. Your standard household insurance
will usually cover personal possessions away from the home.
There is usually a single item limit.
Replacement as New
Following total loss of or destruction beyond economic repair
of the caravan, subject to the loss or damage occurring within
3 years from purchase new and the sum insured representing
the present day purchase price of the caravan.
Liability to the Public
An Indemnity in respect of injury to third parties usually
up to £2Million as a base limit but extendable on this
website to £5million for a small extra premium.
Loss of Use
Usualy includes cover for alternative accommodation if the
caravan is rendered uninhabitable following a claim under
this policy.
Continental Use
This over operates for temporary visits to Europe usually
for a total of 30 days during the period of insurance. This
can be extended if you notify the Insurer and pay the appropriate
premium.
Excess
An amount the policy does not cover in the event of of any
loss or damage.
Structures
Usually means Caravans, Chalets, Mobile Homes or Beach Bungalows
used for leisure, recreational or purposes only, and Park
Homes occupied as a permanent residence. A structure will
usually include all interior and exterior nondetachable fixtures,
fittings and furnishings, plus ancillary domestic outbuildings,
chests, steps, landscaping, boundary fences and the like.
Public Liability.
Underwriters will usually indemnify the policyholder against
all sums which may become legally liable to pay in respect
of claims made by any person, visitor or guest excluding members
of the policyholders family arising out of the ownership of
the Static
Caravan, Chalet or Mobile Home for:
Bodily injury fatal or nonfatal.
Illness including claims arising out of or caused by vermin
food poisoning and foreign or deleterious matter in food or
drink.
Loss or damage to property belonging to or in the care custody
or control of any visitor or guest.
Occurring, during the period of insurance and caused in connection
with the policyholder premises anywhere in the United
Kingdom.
The PL cover varies from policy to policy and
you should check the exact wording
of the cover you've purchased
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