Section 1: Caravan

Section 2: Contents

Additional Cover - continued

• In the event of a total loss, unless extended on the schedule of insurance, your caravan will be replaced on a new for old basis without deduction for wear and tear up to 1 year old touring caravans and 2 years old for fixed site caravans.

Liabilities:

• Up to £2 million for liability as the owner of the caravan.

Summary of Exclusions and Limits

Please refer to your policy document for full details

Your policy will not pay for:

• While caravan is being used as a permanent residence or for any trade, business or profession.
• Unless a hitch lock or wheel clamping device is fitted when the Caravan is detached when Use is described as a touring Caravan.
• Loss caused by wear and tear, deterioration and gradually operating causes including insect and vermin damage.
• Mechanical or electrical breakdown.
• Cost of tyre if punctured or burst.
• Liabilities to third parties arising from the caravan when attached to a vehicle.

Your policy will not pay for:

• Any item of Personal Effects, Clothing and Luggage, Audio & Visual Equipment and Sports Equipment over £200 unless disclosed in the schedule.
• Valuables, Personal Money, Credit Cards, Collections, work of Art.
• Any item of Personal Effects, Clothing and Luggage, Audio & Visual Equipment and Sports Equipment whilst caravan is not being used.
• Theft of any unfixed contents, Personal Effects, Clothing and Luggage, Audio & Visual Equipment and Sports Equipment from the caravan UNLESS involving forcible entry to or exit from the caravan.

Excess
The following excesses are payable. Please refer to your policy schedule, which contains full details of the excesses that apply to your policy.

Fixed Site Caravans - all claims £50

Touring Caravans - all claims £100

Loaned or hired to friends or family £200