Ark Insurance Group Tourer Caravan Insurance

Transcription

1 Ark Insurance Group Tourer Caravan Insurance Policy Document Ark Insurance Group. Tourer Caravan Insurance V2_ Page 1 of 12

2 Introduction Thank you for choosing Ark Insurance Group to be Your caravan insurance provider. Your Intermediary Your Policy has been arranged by Ark Insurance Group with the authority granted to them by the Insurer(s) shown under each section detailed on Your Schedule of Insurance. Ark Insurance Group are authorised and regulated by the Financial Conduct Authority. The FCA s register can be accessed by visiting the FCA s Website at Your Cover This Policy has been prepared in accordance with Your instructions. Please read it carefully to ensure that it meets Your requirements. If you have paid the premium as shown in the Schedule, We will agree to insure you, subject to the terms, conditions and any endorsements attaching to this Policy, against loss or damage or legal liability you may incur for accidents or losses occurring during the period of insurance as shown in the Schedule. Please take time to read the contents of this Policy, including how to make a claim. This Policy and its Schedule are important documents. Please keep them in a safe place in case you need to refer to them for any reason. If you do need to discuss any aspect of this Policy, please contact the agent who helped you complete this insurance. This Policy consists of: 1. The Policy introduction which explains the basis on which cover is provided. 2. The Schedule which shows details of the Period of Insurance for which the Business is being covered, the Property or events insured, limits of liability, certain amounts you will be responsible for and details of which sections are operative. 3. The Statement of Fact which is a record of the information that you provided to Your insurance agent and upon which Your insurance Policy is based. 4. Policy definitions and conditions. 5. The sections of the Policy which give details of the cover. 6. General exclusions to cover applying to the whole Policy. 7. Any Endorsements or warranties which may apply to the Policy or individual sections and which incorporate cover amendments, extensions, limitations and the like. Immediate notice should be given to Your insurance agent of any changes that may affect the insurance provided by this Policy. Alterations in the cover required after the issue of the Policy will be confirmed by a separate Endorsement and/or Schedule and/or Statement of Fact that you should retain for safekeeping with Your Policy. You should refer to the Schedule, Statement of Fact, Endorsement(s) and the Policy to ascertain precise details of cover currently in force. If You need to make a claim under this policy, please contact Red Seal Resources on the following number: Ark Insurance Group. Tourer Caravan Insurance V2_ Page 2 of 12

3 Definitions The definitions of certain words, shown below in alphabetical order, have specific meanings whenever they appear in bold in the wording of this Policy. Accidental Damage Unexpected and unintended damage or breakage caused by a single and one-off event resulting from a sudden and external means. Agreed Value The amount shown in the Schedule which represents the price You paid an Approved Caravan Dealer for Your Caravan. This is the most We will pay You if Your Caravan is lost, totally destroyed or where the reasonable cost of repairs is greater than the Agreed Value. Approved Caravan Dealer A dealer operating from bona fide business premises whose primary business is the buying, selling, servicing, or repairing of Caravans. Approved Location Whilst You are not on holiday with Your Caravan, it must be at one of the following Approved Locations: Parked on Your property or at the property of a Relative, within 50 feet of Your home or the home of a Relative; or In a securely locked compound designed for the purpose of storing Caravans with a clearly defined perimeter that identifies it as a private area, restricts unauthorised access and exit as far as possible and which provides daily supervision and inspection; or Whilst Seasonally sited on a licensed Caravan Park, provided that the entrance(s)/exit(s) to the Park are securely locked at all times, with a clearly defined perimeter, where visitors are checked in and out and the Park provides daily supervision and inspection. Ark Insurance Group Ark Insurance Group, Oak House, Eastwood Business Village, Harry Weston Road, Coventry, CV3 2UB Average If the sum(s) insured immediately prior to the loss does not represent the full cost of replacement We will only pay the same proportion of the loss or damage as the sum insured bears to the full cost of replacement. Awning(s) A rooflike structure, often made of canvas or plastic, that serves as a shelter, attached to the caravan. Basis of Cover The cover applicable to Your Policy as stated in the Schedule. Caravan The structure, fixtures and fittings and integral furniture and furnishings of the touring Caravan, folding Caravan, trailer Caravan or trailer tent, as stated in the Schedule. CaSSOA The Caravan Site Storage Owners Association. Contents and Personal Effects Bedding, linen, luggage, general household goods, portable television sets, audio equipment, furnishings not fitted to the Caravan and personal possessions belonging to You or Your Family, as stated in the Schedule. This does not include Money or Valuables. Equipment Toilet tents, refrigerators, gas bottles, batteries, security devices, stabilisers, generators, wheel clamps and the like. Europe Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France (including Monaco), Germany, Gibraltar, Greece, Hungary, Iceland, Italy (including San Marino and the Vatican City), Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, Slovakia, Slovenia, Spain, Sweden, and Switzerland (including Lichtenstein). Ark Insurance Group. Tourer Caravan Insurance V2_ Page 3 of 12

4 Excess The first amount of a loss You pay towards a claim. Family Your spouse or partner and children, including foster children. Incident A sudden, unexpected, specific event which occurs at an identified time and place resulting in loss or damage. Indemnity The cost of replacing or repairing the insured property or that part which is lost or damaged, less a deduction for wear and tear and/or depreciation. (If any improvements are made as a direct result of replacement or repair You may be asked to contribute towards the claim.) Market Value The cost, at the date the Incident occurred, of a used replacement Caravan of the same make, model, age and condition after taking into account wear, tear and depreciation. The Maximum Amount Underwriters will pay will be limited to the sum insured shown in the Schedule. Maximum Value/Maximum Amount The amount shown in Your Schedule being the most We will pay out under each section of Your Insurance. Money Money of any kind, including cash, bankers drafts, cheques, credit/debit or charge cards or any other type of financial instrument. New for Old The cost of a new replacement Caravan of the same make and model as Your Caravan and the cost of new replacement Awning(s) and Equipment of similar type, or the nearest equivalent or cash equivalent, after taking into consideration any discount available to Underwriters. The Maximum Amount Underwriters will pay will be limited to the sum insured shown in the Schedule. Period of Insurance The length of time, shown on Your Schedule, during which cover applies. Policy This insurance document and the Schedule, including any endorsements. Premium The payment You make, shown in the Schedule, in return for Us giving You insurance. Relative Spouse, fiance(e), partner, parent, step-parent, parent-in-law, grandparent, child, step-child, son-in-law, daughter-in-law, grandchild, brother, sister, step-brother, step-sister, brother-in-law, sister-in-law. Schedule The attachment to this Policy which personalises cover to You; it shows Your name, address, Premium, make of Caravan, the sum insured, the sections of the cover in the Policy You have selected and Period of Insurance. Seasonally Sited The period when Your Caravan is allowed to be sited on a pitch, in accordance with the Park s licence. Small Claims Any claim for damage to Your Caravan arising from an insured Incident where the total cost of repairs is not likely to exceed 500. Third Party Any person other than You, a member of Your Family or an employee of You or Your Family. United Kingdom Ark Insurance Group. Tourer Caravan Insurance V2_ Page 4 of 12

5 England, Wales, Scotland, Northern Ireland, The Channel Islands and the Isle of Man, including transits between those areas. Valuables Jewellery, gold, silver, precious and non-precious stones and metals, watches, furs, cameras, camcorders and accessories, photographic equipment and binoculars. We/Us/Our/Underwriters The Underwriters who are Your insurers as set out in the Schedule - The Channel Syndicate 2015 at Lloyd s. You/Your The name of the person appearing in the Schedule. The Cover We will indemnify You as stated in the Schedule subject always to the Excess and the limits, terms, conditions and exclusions of this Policy. Section 1 Caravan, Awning(s) and Equipment This section covers: Loss or damage caused by Accidental Damage, Fire, Theft, Vandalism, Storm and Flood to Your Caravan, Awning(s) and Equipment up to the Maximum Value shown on the Schedule whilst in or attached to Your Caravan during the Period of Insurance and within the United Kingdom. We will also pay: 1. In the event of an Incident the cost of removing Your Caravan to the nearest garage, repairer or place of safekeeping. 2. In the event of an Incident the reasonable storage charges whilst awaiting repair or disposal but excluding normal place of storage. 3. Your reasonable fuel costs for You to collect Your Caravan following an insured repair, but only for any Incident occurring in the United Kingdom and only to Your home address in the United Kingdom. Basis of Cover Please refer to Your Schedule for the Basis of Cover applicable to You: 1. New for Old If Your Caravan is less than 5 years old at the commencement of the Period of Insurance We will, following a total loss, replace Your Caravan, Awning(s) and Equipment, which is less than 5 years old, on a New for Old basis. Cash settlements will be on an Indemnity basis only. Note: Make sure the sum insured shown in the Schedule reflects the new replacement cost of Your Caravan, Awning(s) and Equipment because We will not pay more than the sum insured and, in the event of a partial loss, We will apply Average. 2. Agreed Value If Your Caravan is less than 5 years old at the commencement of the Period of Insurance We will, following a total loss, replace Your Caravan on a like-for like basis up to the sum insured shown in the Schedule at an Approved Caravan Dealer. Cash settlements will be on an Indemnity basis only. We will pay for the replacement value or the cost of repair of Your Awning(s) and Equipment on an Indemnity basis. Note: Make sure the sum insured shown in the Schedule reflects the original price You paid for Your Caravan and the used value of Your Awning(s) and Equipment because We will not pay more than the sum insured and, in the event of a partial loss, We will apply Average. 3. Market Value We will, following a total loss, pay You the Market Value of Your Caravan. We will pay for the replacement value or the cost of repair of Your Awning(s) and Equipment on an Indemnity basis. Note: Make sure the sum insured shown in the Schedule reflects the value of a used replacement Caravan of the same make, model, age and condition and the used value of Your Awning(s) and Equipment because We will not pay more than the sum insured and, in the event of a partial loss, We will apply Average. Please also see the Exclusions to Sections 1 and 2 and the General Exclusions. Ark Insurance Group. Tourer Caravan Insurance V2_ Page 5 of 12

6 Section 2 - Contents and Personal Effects This section covers: Loss or damage caused by Accidental Damage, Fire, Theft, Vandalism, Storm and Flood to Your and Your Family s Contents and Personal Effects whilst contained in Your Caravan or in a vehicle towing Your Caravan during the Period of Insurance and within the United Kingdom. We will pay for the replacement value or the cost of repair of Your Contents and Personal Effects, on an Indemnity basis, subject to: a. The amount not exceeding the Contents and Personal Effects sum insured, as shown in the Schedule. b. No one item taken on its own being insured at a value of more than 300. Exclusions to Sections 1 & 2 What is not covered: 1. When unattended, Your Caravan, Awning(s) and Equipment or Contents and Personal Effects unless Your Caravan is at an Approved Location or is fitted with a hitch lock plus at least one of the following proprietary security devices: i. Alarm ii. Wheel clamp iii. Hitch post as approved by Underwriters Notwithstanding the above, if Your Caravan is stored in a site, which is in a securely locked compound with a clearly defined perimeter that identifies it as a private area and restricts unauthorised access and exit as far as possible and which benefits from infra-red alarm protection, CCTV surveillance, security lighting, daily supervision and inspection, then the requirement for a hitch lock and other security devices will not apply. 2. Your Excess. Notwithstanding the above, if Your Caravan is stolen whilst in storage on a CaSSOA Gold site You will not have to pay any Excess shown in the Schedule. 3. Depreciation, deterioration, manufacturing defects, general wear and tear, damage by pets, moth, vermin, insects and/or infestation, rot, frost, water leakage or any gradually operating process such as rust or damp. 4. Mechanical, electronic or electrical breakdown, failure or damage. 5. Damage to tyres, unless caused by an accident to the Caravan or by vandalism. 6. Loss of or damage to any of the following: Money, Valuables, documents, contact lenses, spectacles, perishable goods, alcohol, motor driven vehicles of any kind or their accessories, mobile telephones, personal computers, golf and fishing equipment, cycles or any type of waterborne craft. 7. Theft from the Caravan unless forcible and violent means are used to gain entry. 8. Where a claim for damage results in the Caravan needing new parts, equipment or accessories and these are found to be obsolete or unobtainable any costs in Excess of to the last known list price of the part, equipment or accessory together with the appropriate fitting charge. 9. Any claim which arises from deception, or the use of stolen, forged, or invalid cheques, bank drafts or bank notes or any other financial instrument. 10. Any claim arising out of the cessation of business, liquidation, insolvency, or bankruptcy of a Caravan dealer or agent. 11. Theft or accidental loss from tents, awnings or toilet tents. 12. Loss or damage to trailer tents, awnings, toilet tents where these are left erected and unattended for more than 4 days in succession. 13. Any Caravan being used for residential purposes. 14. The cost of replacing or repairing any undamaged parts of Your Caravan, Awning(s) and/or Contents and Personal Effects which form part of a pair, set or suite or part of a common design or function when the loss or damage is restricted to a clearly identifiable area or to a specific part. 15. Loss or damage by any person lawfully in Your Caravan. 16. Theft or attempted theft from trailer tents is excluded. Please note that the General Exclusions are in addition to these. Section 3 - Liability to the Public This section covers: The legal liability of You and Your Family or Your legal representative for causing: 1. Accidental death, bodily injury or illness to a Third Party, or 2. Accidental Damage to a Third Party s property; happening during the Period of Insurance and arising from the ownership or use of Your Caravan. We will pay: 1. Damages or compensation to a Third Party for the injury or damage caused. 2. A Third Party s legal costs incurred in claiming compensation from You as agreed by Us or awarded by a court or tribunal. Ark Insurance Group. Tourer Caravan Insurance V2_ Page 6 of 12

7 3. Your legal costs for defending the claim as agreed by Us or awarded by a court or tribunal if incurred with Our prior written consent. You may request that cover under this Section be extended to any named person using Your Caravan with Your permission. If the Underwriters agree in writing to this request, cover will be extended and the named person must observe, fulfill and be subject to the terms of this Section. The Maximum Amount We will pay for any one claim is 2,000,000, including legal costs. Exclusions to Section 3 We will not pay for: 1. Liability arising whilst the Caravan is being towed. 2. Liability arising from the Caravan being used for any trade or business purpose. 3. Damage to property owned by or in the custody of You or Your Family, an employee of You or Your Family, or any person to whom Your Caravan is lent. 4. Your Excess as shown in the Schedule. 5. Liability arising from a contract unless You would have been legally liable anyway. 6. Liability arising through the transmission of any infectious disease or virus. 7. Damage to any vehicle whilst the Caravan is being towed. Please also see the General Exclusions. Section 4 - European Cover Please refer to Your Schedule if this section applies to You. We will pay: 1. Under all sections 1,2 and 3 of this Policy up to the Maximum Value stated in the Schedule. 2. whilst You are travelling temporarily with Your Caravan within Europe including the journey by recognised routes to and from the United Kingdom during the Period of Insurance. Costs of any Customs duty You have to pay due to the loss or damage to Your Caravan whilst it is temporarily based in Europe. What is not covered: 1. The cost of repatriating Your Caravan from a country outside the United Kingdom. 2. Loss or damage which occurs when Your Caravan has been outside of the United Kingdom for any period greater than the period stated on Your Schedule within the Period of Insurance and for which You have paid Us the appropriate additional Premium. Index Linking If You have chosen New for Old as Your Basis of Cover then Your Caravan sum insured under Section 1 of this Policy will be adjusted monthly in line with the Government s Consumer Prices Index (CPI) or another appropriate index. No charge will be made for these monthly adjustments during each year but the renewal Premium will be calculated on the adjusted sum insured. Index Linking will continue from the date of loss or damage to the settlement of the resulting claim provided You have not unreasonably delayed notification or settlement of the claim. Ark Insurance Group. Tourer Caravan Insurance V2_ Page 7 of 12

8 General Exclusions Applicable to all Sections of this Policy We will not pay for: 1. A loss or damage arising i. whilst the Caravan is being used for trade or business purposes. ii. during speed testing, racing or pacemaking. 2. Loss of use. 3. Loss or destruction of or damage to any property whatsoever, or any loss or expense whatsoever resulting or arising therefrom, or any legal liability of whatsoever nature, directly or indirectly caused or contributed to by, or arising from: i. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. ii. The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof. iii. War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power, and in the Republic of Ireland and Northern Ireland riot and civil commotion. iv. Pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speeds. v. Pollution of the air, water or soil. 4. Claims if they are covered by any other insurance. 5. Any loss or damage not directly associated with the Incident that caused You to claim, unless expressly stated in this Policy. A person who is not a party to this contract has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this contract but this does not affect any right or remedy of a Third Party which exists or is available apart from that Act. Disclosure You must inform Ark Insurance Group of: A change of Caravan (We allow You up to 14 days to notify Us of a change of Caravan). A change of address. Any convictions or prosecutions suffered by You and Your Family, other than motoring offences. Any increase in the values of any insured items listed in the Schedule not taking into account any seasonal changes, or minor fluctuations. Please note that if You notify Ark Insurance Group of an increase We reserve the right to increase the Premium. Claims 1. The firm appointed as your claims service provider is: Red Seal Property Limited. Registered address: Field House Wheelers Hill, Little Waltham, Chelmsford CM3 3LY. Registered in England and Wales No: You should contact the below number if You need to make a claim: They can also be ed at property@redsealclaims.com Claims Number: Claims Procedure You must report to Red Seal any loss, damage, Incident or claim or any occurrence likely to give rise to a claim and of the institution of any proceedings being brought against You, as soon as reasonably possible but, in no event later than 30 days after You became aware of the Incident. You must fill in the claim form and send it to Red Seal together with any supporting documentation. You must, in the event of theft or other malicious Incident give immediate notice of loss to the Police. You must send copies of every letter writ or document to Red Seal immediately upon receipt. You or any person claiming coverage must give all information and assistance to Red Seal and, unless Your claim is a Small Claim, not negotiate, pay, settle, admit or repudiate any claim without Red Seal and the Underwriters written consent. No property may be abandoned to Red Seal or the Underwriters. Ark Insurance Group. Tourer Caravan Insurance V2_ Page 8 of 12

9 Conditions Applicable to all Sections of this Policy 1. Observance of Terms You must observe the terms, exceptions and conditions of this Policy. 2. Reasonable Precautions You should take all reasonable precautions to protect Your Caravan and other insured items against theft or damage. Your Caravan should be maintained in a sound and roadworthy condition. Failure to comply with this condition could result in any claim being rejected. All non-mechanical Valuables should be locked in Your Caravan whilst unattended. 3. Total Loss In the event of Your Caravan being stolen and not recovered or becoming a total loss all cover under this Policy will cease from the date of the appropriate claim settlement. Any salvage becomes the property of the Underwriters. No refund of Premium for any remaining Period of Insurance will be payable and the continuation of cover on a replacement Caravan shall be at the Underwriters discretion. Any outstanding Premium will be deducted from Your claim settlement. 4. Cancellation If you decide that for any reason, this Policy does not meet Your demands and needs then please return it to Your agent within 14 days of issue. On the condition that no claims have been made, or are pending, We will then refund Your premium in full. If you wish to cancel Your Policy at any time after the expiry of 14 days from its inception, you will be entitled to a pro-rata return of premium, less any adjustment for fees or charges which may be levied by Your agent, for which they will separately account to you. Cancellation must be notified to Ark Insurance Group in writing by You. The Underwriters can cancel this insurance by giving not less than seven days notice in writing to You at Your last known address and the Premium hereon shall be adjusted on the basis of the Underwriters retaining pro rata Premium. Notice shall be deemed to be duly received in the course of post if sent by prepaid letter post properly addressed. 5. Protection Maintenance All security devices provided for the protection of Your Caravan shall be maintained in good working order at all times and shall be brought into use at all times when Your Caravan is left unattended. No such protection shall be withdrawn or varied without the prior written consent of the Underwriters. UNDERWRITERS RIGHTS The Underwriters may, at their discretion, take over the defence and settlement of any claim, and at any time, in Your name or that of any other person entitled to coverage, seek recoveries and indemnities from other parties. You must give to the Underwriters such information, assistance and copies of documents as the Underwriters may require as soon as reasonably possible. This Policy is issued by, on behalf of and with the authority of the Underwriters. RIGHTS OF THIRD PARTIES A person who is not a party to this contract has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this contract but this does not affect any right or remedy of a Third Party which exists or is available apart from that Act ENQUIRIES AND COMPLAINTS We are dedicated to providing a high quality service and want to ensure We maintain this at all times. If You feel that Ark has not offered a first class service or if You have any questions or concerns about the Policy or the handling of a claim You should, in the first instance, contact the Insurance Agent through whom this insurance was placed or Ark Insurance direct at: Head of Compliance Ark Insurance Oak House Eastwood Business Village Harry Weston Road Coventry Ark Insurance Group. Tourer Caravan Insurance V2_ Page 9 of 12

10 CV3 2UB If after contacting the above, You believe there is a reason to escalate the complaint You may contact the Insurers direct. Details on how to do this are detailed on Your Schedule of Insurance. The Insurer will investigate and provide a final written response as soon as possible but no later than two months of the complaint being made. The Insurer will refer the matter initially to Ark Insurance or other such representative for a response which will be provided within two weeks from receipt of Your complaint. If the matter is unresolved, the Insurer will further investigate and aim to conclude their enquiries and provide a final response within two months from the date the complaint was initially received. If the Insurer is unable to provide a final response within two months, they will inform You about the cause of the delay and indicate when the investigation is likely to be complete. The address of the Complaints team at Lloyd s is: Complaints Lloyd s One Lime Street London EC3M 7HA Telephone: Fax: complaints@lloyds.com Website: Details of Lloyd s complaints procedures are set out in a leaflet Your Complaint - How We Can Help available at and are also available from the above address. If you remain dissatisfied after Lloyd s has considered your complaint, you may have the right to refer your complaint to the Financial Ombudsman Service (FOS). The contact details for the FOS are: The Financial Ombudsman Service, Exchange Tower, London E14 9SR. Telephone (calls to this number are free from fixed lines in the UK) or (calls to this number are charged at the same rate as 01 and 02 numbers on mobile phone tariffs in the UK). complaint.info@financial-ombudsman.org.uk. The FOS is an independent service in the UK for settling disputes between consumers and businesses providing financial services. You can find more information on the FOS at If you have purchased your policy online you can also make a complaint via the EU s online dispute resolution (ODR) platform. The website for the ODR platform is: Using Our complaints procedure or referral to the Financial Ombudsman Service does not affect Your legal rights. FINANCIAL SERVICES COMPENSATION SCHEME Ark Insurance and the Insurer are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if Ark Insurance or the Insurer(s) are unable to meet their obligations to You under this contract. This depends on the circumstances of the claim. Compensation is only available to commercial customers in limited circumstances. Further information about the compensation scheme arrangements are available by visiting the website at or by contacting: Financial Services Compensation Scheme, 7th Floor Lloyds Chambers, Portsoken Street, London E1 8BN. Ark Insurance Group. Tourer Caravan Insurance V2_ Page 10 of 12

11 DATA PROTECTION ACT 1998 The Insurer may store Your information (including Your personal details) on a computer and use it for administration, risk assessment, research and statistical purposes, marketing purposes and for crime prevention. Your personal details will only be disclosed to third parties if it is necessary for the performance of this insurance contract. It may be sent in confidence for processing to other companies in our group (or companies acting on our instructions), including those outside the European Economic Area. In addition We may disclose the information you have supplied to other third parties such as solicitors, loss adjusters, repairers and other insurance companies in order to process Your claim and meet our legal obligations. By accepting this insurance, you signify Your consent to the above and for Your information (including Your personal details) to be processed by Us, our agents and the Administrator. In accordance with the Data protection Act 1998 you are entitled to ask Us to amend our records about you if they are not correct, and you may request a copy of the information We hold about you by applying to Us in writing addressed to: Data Compliance Manager, Ark Insurance Group, Eastwood Business Park, Harry Weston Road, Coventry, CV3 2UB or by ing info@arkinsurance.co.uk. We may charge you the statutory fee of 10 for this service. FRAUD PREVENTION AND DETECTION This Section draws to Your attention the systems We have in place which allow Us to detect and prevent fraudulent claims. In order to prevent and detect fraud We draw to Your attention in accordance with Data Protection Legislation the fact that We may at any time record and monitor telephone calls for the purpose of detecting fraud & deception. We may also pass Your details to any number of data sharing / fraud prevention agencies such as Hunter, CIFAS and CUE. Your insurance cover details will be added to the Claims and Underwriting Exchange Register run by Insurance Database Services Ltd. and the Theft Register run by the Association of British Insurers. It is a condition of Your Policy that You must tell Us about any incident whether or not it gives rise to a claim as soon as possible. We will pass information relating to it on to these agencies. If You or anyone acting on Your behalf gives Us false or inaccurate information and We suspect fraud all benefits under this Policy will be void. The matter will be recorded with the above agencies and pursued in accordance with the law. We may share information about You with Our associated and subsidiary companies. Other organisations may also use and search these records in their efforts to combat fraud and undertake credit searches. We wish to make it clear that the vast majority of honest Policyholders suffer as a result of a few. Our aim is to provide the best possible service to the genuine customer. Through the use of these systems and We are able to address fraud in such a manner that enables Us to keep premiums competitive. Fraud The Insured must not act in a fraudulent way. If the Insured or anyone acting for the Insured: 1. makes a claim under the insurance knowing the claim to be false or exaggerated in any way; or 2. makes a statement in support of a claim knowing the statement to be false in any way; or 3. sends us or the Administrator any documentation in support of a claim knowing the documentation to be forged or false in any way; or 4. makes a claim for any loss caused by the Insured s deliberate act or with the Insured s agreement; 5. then the Insurer: will not pay the claim; will not pay any other claim which has been or will be made under the insurance; may declare the insurance void; will be entitled to recover from the Insured the amount of any claim already paid under the insurance; will not return any of the premiums; may pass Your details to the authorities should it become necessary for investigative purposes. OTHER IMPORTANT NOTES Ark Insurance Group. Tourer Caravan Insurance V2_ Page 11 of 12

12 Language - All communication between You and Us will be conducted in English In accordance with the Disability Discrimination Act 1995, We are able, upon request, to provide a text phone facility, audio tapes and large print documentation. Please advise Us if you require any of these services to be provided so that We can communicate with you in an appropriate manner. CHANNEL SYNDICATE DATA PROTECTION SHORT FORM INFORMATION NOTICE Your personal information notice Who we are: We are the Lloyd's underwriter(s) identified in the contract of insurance and/or in the certificate of insurance. The basics We collect and use relevant information about you to provide you with your insurance cover or the insurance cover that benefits you and to meet our legal obligations. This information includes details such as your name, address and contact details and any other information that we collect about you in connection with the insurance cover from which you benefit. This information may include more sensitive details such as information about your health and any criminal convictions you may have. In certain circumstances, we may need your consent to process certain categories of information about you (including sensitive details such as information about your health and any criminal convictions you may have). Where we need your consent, we will ask you for it separately. You do not have to give your consent and you may withdraw your consent at any time. However, if you do not give your consent, or you withdraw your consent, this may affect our ability to provide the insurance cover from which you benefit and may prevent us from providing cover for you or handling your claims. The way insurance works means that your information may be shared with, and used by, a number of third parties in the insurance sector for example, insurers, agents or brokers, reinsurers, loss adjusters, sub-contractors, regulators, law enforcement agencies, fraud and crime prevention and detection agencies and compulsory insurance databases. We will only disclose your personal information in connection with the insurance cover that we provide and to the extent required or permitted by law. Other people's details you provide to us Where you provide us or your agent or broker with details about other people, you must provide this notice to them. Want more details? For more information about how we use your personal information please see our full privacy notice(s), which is/are available online on our website(s) or in other formats on request. Please see: Contacting us and your rights You have rights in relation to the information we hold about you, including the right to access your information. If you wish to exercise your rights, discuss how we use your information or request a copy of our full privacy notice(s), please contact us, or the agent or broker that arranged your insurance who will provide you with our contact details at: Ark Insurance Group Limited Oak House, Eastwood Business Village, Harry Weston Road, Coventry CV3 2UB Ark Insurance Group. Tourer Caravan Insurance V2_ Page 12 of 12