Holiday Home Cover Comparison. Static Caravan Cover Comparison. Touring Caravan Cover Comparison. Motorhome Cover Comparison

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1 Note: The contents of this document represents a summary of the core elements of cover only, for full details please view the Policy Summary and Policy Wording documents as well as specific terms detailed Holiday Home Cover Comparison Static Caravan Cover Comparison Touring Caravan Cover Comparison Motorhome Cover Comparison

2 Holiday Home Cover Comparison Tel: COVER DETAILS K Drewe Ocaso Towergate UK General Countries covered Belgium, Cyprus, France, Greece, Ireland, Italy, Malta, Portugal, Spain and UK Yes, excluding damage caused by: gradually operating causes theft when let unless involves forcible & violent entry vandalism by persons lawfully on the premises whilst premises is unfurnished UK only Bulgaria, Cyprus (Southern), France, Greece, Ireland, Italy, Portugal, Spain and UK Yes, excluding damage caused by: gradually operating causes Fire, lightning, explosion, theft unless involves forcible & gradually operating causes riot & civil commotion, violent entry domestic pets, insects, or birds theft when let unless involves vandalism, storm, flood, theft, escape of water whilst vandalism by persons lawfully on forcible & violent entry frost, escape of water, premises is unfurnished the premises or when unfurnished theft or vandalism by persons impact, falling trees/aerials, lawfully on the premises or whilst theft of attempted theft premises is unfurnished Accidental damage Optional extension (ex when let) N/A Optional extension (including when let) Optional extension (ex when let) Earthquake cover Ex Greece, Italy and Cyprus Included ( UK only) Excluded in Greece and Italy Included ( UK only) Subsidence cover Portugal, Spain and specific UK areas Included (UK only) France, Portugal, Spain and specific UK Included (UK only) only areas only Unoccupancy terms > 30 days property must be inspected monthly and valuables excluded > 30 days cover restricted to Fire, Lightning,Explosion,Earthquake,Aircraft > 60 days ex escape of water in winter, theft of personal possessions & money > 60 days excludes escape of oil/water >180 days ex theft & glass damage Burst pipe warranty Water system drained between 01/11-31/03 OR heating maintained at 10C Water system drained between 01/10 01/04 OR heating maintained at 13C Water system drained between 01/11-31/03 OR heating maintained at 15C Unoccupied > 14 days gas turned off & water drained or heating set at 14C OR frost stat fitted Public & Employers Liability Public Liability - 5m Employers Liability (domestic) - 2m Public Liability - 2m Employers Liability (domestic) N/A Public Liability - 5m Employers Liability (domestic) - 10m Public Liability - 2m Employers Liability (domestic) - 5m Loss of rent/alternative Up to 10% of Buildings sum insured Up to 20% of Buildings sum insured Up to 20% of Buildings sum insured Up to 25% of Buildings sum insured accommodation cover Trace & access of leaks Up to 5,000 N/A Up to 5,000 Up to 1,000 Frozen food Up to 500 N/A Up to 1,000 N/A Loss of metered water/oil Up to 1,000 Up to 1,000 Up to 750 Up to 1,000 Garden furniture Up to 1,000 N/A Up to 750 Up to 1,500 Pedal cycles N/A N/A Up to 250 Up to 500 within premises Money Up to 100 Up to 250 Up to 100 N/A Minimum security 5 Lever mortice dead locks on external doors and window locks on accessible windows 5 Lever mortice dead locks on external doors and window locks on accessible windows 5 Lever mortice dead locks on external doors and window locks/bars/shutters on accessible windows Personal Accident Fatal injury by burglars/fire - 10,000 N/A N/A N/A Emergency Assistance Emergency Travel - up to 450 N/A Emergency Travel (Europe) - 1,000 Emergency,Translation &Legal Helpline Excesses Subsidence - 2,500 Subsidence - 1,000 Subsidence - 1,000 All Other Claims - min 75 UK only 5 Lever mortice dead locks on external doors and window locks on accessible windows N/A Subsidence - 1,000

3 Holiday Home Cover Comparison Tel: COVER DETAILS - Superior - Standard - Economy Countries covered Cyprus, France, Greece, Italy, Malta, Portugal and Spain Cyprus, France, Greece, Italy, Malta, Portugal and Spain Cyprus, France, Greece, Italy, Malta, Portugal and Spain Yes, excluding damage caused by: Yes, excluding damage caused by: Yes, excluding damage caused by: Fire, lightning, explosion, gradually operating causes gradually operating causes gradually operating causes riot & civil commotion, vandalism, storm, flood, theft when let unless involves forcible & violent entry theft when let unless involves forcible & violent entry theft when let unless involves forcible & violent entry frost, escape of water, vandalism by persons lawfully on vandalism by persons lawfully on vandalism by persons lawfully on impact, falling trees/aerials, the premises the premises the premises theft of attempted theft whilst premises is unfurnished whilst premises is unfurnished whilst premises is unfurnished Accidental damage Optional extension Optional extension Optional extension Earthquake cover Included in most regions: increased Included in most regions: increased Included in most regions: increased excess for Greece, Italy and Cyprus excess for Greece, Italy and Cyprus excess for Greece, Italy and Cyprus Subsidence cover Portugal, Spain and France only Portugal, Spain and France only Portugal, Spain and France only Unoccupancy terms Notify if unoccupied for >30 days Notify if unoccupied for >30 days Notify if unoccupied for >30 days Burst pipe warranty Pipes drained 01/11-31/03 OR heating maintained at 10C OR frost stat fitted (ex some southern regions) Pipes drained 01/11-31/03 OR heating maintained at 10C OR frost stat fitted (ex some southern regions) Pipes drained 01/11-31/03 OR heating maintained at 10C OR frost stat fitted (ex some southern regions) Public & Employers Liability Public Liability - 1m/ 2m/ 5m options Employers Liability (domestic) - 500k Public Liability - 1m/ 2m/ 5m options Employers Liability (domestic) - 500k Public Liability - 1m Employers Liability (domestic) - 500k Loss of rent/alternative 12 months 6 months N/A accommodation cover Trace & access of leaks Up to 1,000 Up to 500 N/A Frozen food Up to 1,000 Up to 500 N/A Loss of metered water/oil Up to 1,000 Up to 500 N/A Garden furniture Up to 1,000 Up to 500 N/A Pedal cycles Up to 1,000 within home Up to 500 within home N/A Money Up to 100 within home Up to 100 within home N/A Minimum security Adequate locks/locking systems on Adequate locks/locking systems on final Adequate locks/locking systems on final final exit doors & accessible windows exit doors & accessible windows exit doors & accessible windows Personal Accident Fatal injury by burglars/fire - 15,000 Fatal injury by burglars/fire - 15,000 N/A Emergency Assistance Emergency Travel - up to 1,500 Emergency Travel - up to 750 N/A Excesses Subsidence - 2,500 Subsidence - 2,500 Subsidence - 2,500

4 Static Caravan Cover Comparison view the Policy Summary and Policy Wording documents as well as speific terms detailed Tel: COVER DETAILS ProSight Superior ProSight Standard ProSight Economy Ptarmigan Definition of caravan contents household goods including: Electricals up to 5,000 in total Personal effects and sports equipment up to 2,000 in total (ex motor vehicles/watercraft) Valuables up to 2,000 in total Wedding gifts up to 2,500 Re-landscaping up to 750 Loss of metered water up to 500 household goods including: Electricals up to 2,500 in total Personal effects and sports equipment up to 1,000 in total (ex motor vehicles/watercraft) Valuables up to 1,000 in total household goods including: Electricals up to 1,000 in total household goods ex: Valuables, personal money, credit cards, collections, works of art etc. Sports equipment > 50, cycles, water craft Max 1,500 in respect of TVs, videos, games consoles etc Max 250 in respect of discs, tapes, videos, DVDs, games etc Money up to 250 in total Frozen food up to 250 in total 10,000 accidental death benefit Contents in the open Yes in locked storage units Yes in locked storage units Yes in locked storage units Yes in locked storage unit up to 500 Re-siting fees 7,500 included as standard 5,000 included as standard 1,000 included as standard Available with increased sum insured Fire, lightning, explosion, earthquake, storm, flood, frozen/burst pipes, theft, vandalism, impact, subsidence, Fire, lightning, explosion, earthquake, storm, flood, frozen/burst pipes, theft, vandalism, impact, subsidence, Fire, lightning, explosion, earthquake, storm, flood, frozen/burst pipes, theft, vandalism, impact, subsidence, Fire, theft, malicious damage/ vandalism, storm, flood & accidental damage New for Old cover Available where less than 20 years old Available where less than 20years old Available where less than 20 years old Available where less than 10 years old Market Value cover For caravans up to 30 years old with For caravans up to 30 years old with For caravans up to 30 years old with For caravans up to 30 years old with Public liability 2,000,000 as standard 2,000,000 as standard 2,000,000 as standard 2,000,000 Territorial limits United Kingdom including the Isle of Man and Channel Islands. United Kingdom including the Isle of Man and Channel Islands. United Kingdom including the Isle of Man and Channel Islands. United Kingdom excluding the Isle of Man, Channel Islands and Scottish Isles other than Isle of Skye. Ex escape of water November to March unless the caravan is occupied Family members permanently living with Winter escape of water warranty Ex escape of water October to March unless water drained or frost stat Ex escape of water October to March unless water drained or frost stat Ex escape of water October to March unless water drained or frost stat Persons allowed to use Family members living with you plus Family members living with you plus Family members living with you plus for Holiday purposes option to hire to others option to hire to others option to hire to others you plus option to hire to others Loss of rental income and Up to 10% of Holiday Park Home sum Up to 5% of Holiday Park Home sum Not available Included up to 50 per day and alternative hiring charges insured insured 1,500 in total Frozen food Up to 250 in total Not available Not available Optional up to 250 in total Replacement locks/keys Up to 250 in total Up to 100 in total Not available Optional up to 250 in total Personal Accident Yes up to 10,000 for insured or Not available Not available Yes up to 20,000 for family members spouse up to age of 70 aged between Legal Expenses Up to 50,000 available on request Up to 50,000 available on request Up to 50,000 available on request Up to 50,000 available on request

5 Static Caravan Cover Comparison view the Policy Summary and Policy Wording documents as well as speific terms detailed Tel: COVER DETAILS Towergate UK General Overseas - Canopius Overseas - Towergate Definition of caravan contents household goods ex: Valuables, personal money, credit cards, collections, works of art etc. Sports / fishing equipment, cycles, surfboards, water craft etc Max 250 in respect of any one item Theft of electrical items whilst site is closed or caravan unoccupied Yes shed and contents plus up to 200 for items within plot boundary Contents including clothing and general household goods ex: Valuables, personal money, credit cards, collections, works of art etc. Sporting / fishing equipment Video / photographic / portable audio equipment, computers, binoculars, telescopes and mobile phones Max 500 for any single article Accidental damage to contents household goods ex: Valuables, personal money, credit cards, collections, works of art etc. Sports equipment > 50, cycles, water craft Max 1,500 in respect of TVs, videos, games consoles etc Max 250 in respect of discs, tapes, videos, DVDs, games etc Contents in the open Yes ex theft and subject to 500 Yes in locked storage unit up to 500 single article limit Re-siting fees Available with increased sum insured Included as standard Available with increased sum insured Fire, lightning, explosion, earthquake, storm, flood, frozen/burst pipes (ex frozen pipes 01/11 to 31/03), theft, malicious damage/ vandalism, subsidence, falling trees/aerials & Fire, explosion, lightning and earthquake, theft, malicious damage/ vandalism, escape of water or oil from fixed systems, storm, flood, subsidence, falling trees or aerials & Fire, theft, malicious damage/ vandalism, storm, flood & accidental damage New for Old cover Available where less than 15 years old Available where less than 10 years old Available where less than 10 years old Market Value cover For caravans up to 20 years old For caravans up to 30 years old with For caravans up to 30 years old with Public liability 2,000,000 2,000,000 2,000,000 Territorial limits United Kingdom plus France, Ireland, Spain and Portugal on referral (differing terms apply). Ex escape of water November to March unless the caravan is occupied Family members permanently living with you plus option to hire to others Included up to 20% of the total sum insured in any one year United Kingdom only excluding the Isle of Man and Channel Islands. France, Spain and Portugal. Winter escape of water warranty Ex escape of water November to March unless the caravan is occupied Ex escape of water November to March unless the caravan is occupied Persons allowed to use Family & friends plus option to hire to Family members permanently living with for Holiday purposes others you plus option to hire to others Loss of rental income and Alternative accommodation only up Included up to 50 per day and alternative hiring charges to 1,000 in total in any one year 1,500 in total Frozen food Included up to 100 in total Included up to 200 in total Optional up to 250 in total Replacement locks/keys Included without limit Included without limit Optional up to 250 in total Personal Accident Not Available Yes up to 10,000 for family Yes up to 20,000 for family members members aged between aged between Legal Expenses Up to 50,000 available on request Up to 50,000 available on request Up to 50,000 available on request

6 Touring Caravan Cover Comparison Tel: COVER DETAILS AmTrust Canopius UK General Towergate Definition of caravan All contents including standard Contents and personal effects ex: Contents and personal effects ex: contents caravanning equipment, personal possessions,& other items such as Money, jewellery etc, photographic equipment etc, binoculars, mobile clothing and luggage, audio and visual equipment, sports equipment ex: Money, jewellery, firearms, wines, spirits, and tobacco etc cycles/portable motor movers ex: phones, computers, cycles, Valuables, personal money, credit photographic equipment etc, Money, valuables, firearms, waterborne craft or other vehicles cards, collections, works of art etc contact lenses, sports equipment wines, spirits, tobacco etc Fixtures, fittings & equipment Generators and pedal cycles Generators (included as part of Caravan) Items > 50% of sum insured Yes, but excluding theft of: Fire, lightning, explosion, earthquake, malicious Contents where no forcible and violent entry to caravan Loss/damage caused by flood within 7 days of commencement Any loss of contents whilst the caravan is not in use Theft of contents where no forcible and violent entry damage/vandalism, storm, flood or theft Contents outside caravan (unless within awning) Theft of contents where no forcible and violent entry Theft of contents if no forcible and violent entry to caravan whilst the Damage whilst caravan not in use and not at home/storage address Caravan whilst not in use and not When caravan not used for 7 days caravan is in use at home/storage address and not at home/storage address Weather damage to awnings if Electrical/electronic equipment whilst not in use (i.e. in storage) Damage to erected awning when caravan unoccupied for 7+ days caravan not in use Accidental damage Yes, but excluding damage: Yes, but excluding damage: Yes, but excluding damage to: To contents & valuables Caravan not used for 7 days and To contents whilst not in use Caravan whilst not in use and not Resulting from using generators not at home/storage address at home/storage address New for Old cover Available where < 5 years old Available where < 10 years old Available where < 5 years old Available where < 5 years old Market Value cover Where required or where New for Where required or where New for Old Where required or where New for Old Where required or where New for Old Old cover does not apply cover does not apply cover does not apply cover does not apply Public Liability 2,000,000 2,000,000 2,000,000 2,000,000 Awnings Ex storm if not in use Ex storm if unattended > 7 days Ex storm if unattended > 24 hours Includes permanently sited Accident recovery Yes, reasonable additional costs Yes, reasonable additional costs Yes, reasonable additional costs Yes, reasonable additional costs Loss of use/hire charges Economy policy not included Yes, 50 per day up to 1,500 Yes, 75 per day up to 15 days Yes, up to 5% of sum insured Other policies - 75/day - 14 days Persons authorised to Economy policy insured/spouse Family and friends permanently living Family permanently living with you Any family and friends tow caravan Family policy - extended family Solo policy insured/spouse with you Min. security attached Wheel clamp Hitchlock or wheel clamp None Wheel clamp Min. security detached Wheel clamp and hitchlock Hitchlock or wheel clamp Hitchlock or wheel clamp Wheel clamp and other as required Continental use Economy policy - UK use only EU policy - max 240 days per year UK policy - UK use only Yes, max 180 days per year (excludes certain Eastern European and former Soviet countries - see Policy Summary) EU policy - Yes, 90 days per year including Ireland & Continent of Europe UK policy No, restricted to UK only Personal Accident No Yes up to 20,000 (aged 16-70) Yes up to 10,000 (aged 16-75) No Ill Driver Cover No No No No Yes, unlimited Legal Expenses Up to 50,000 available on request Up to 50,000 available on request Up to 50,000 available on request 100,000 included as standard

7 Touring Caravan Cover Comparison Tel: COVER DETAILS Ptarmigan Tourer Select Ptarmigan Cherished Caravan Definition of caravan Contents and personal effects ex: contents clothing and luggage, audio & visual equipment, sports equipment ex: Money, jewellery etc, photographic equipment etc, binoculars, mobile Valuables, personal money, credit cards, works of art etc phones, computers, cycles, waterborne craft or other vehicles Generators Fixtures, fittings & equipment (included as part of Caravan) Fire, lightning, explosion, earthquake, malicious Any loss of contents whilst the caravan is not in use Theft of contents where no forcible and violent entry damage/vandalism, storm, flood or theft Theft of contents if no forcible and violent entry to caravan When caravan not used for 7 days and not at home/storage address whilst the caravan is in use Damage to erected awning when Weather damage to awnings if caravan not in use caravan unoccupied for 7+ days Accidental damage Yes, but excluding damage: To contents whilst not in use Caravan not used for 7 days and not at home/storage address New for Old cover Available where < 10 years old Available where < 10 years old Market Value cover Where required or where New for Where required or where New for Old Old cover does not apply cover does not apply Public Liability 2,000,000 2,000,000 Awnings Ex storm if unattended > 24 hours Ex storm if unattended > 7 days Accident recovery Yes, reasonable additional costs Yes, reasonable additional costs Loss of use/hire charges Yes, 75 per day up to 15 days Yes, 50 per day up to 1,500 Persons authorised to Extended family Family and friends permanently living tow caravan with you Min. security attached None Hitchlock or wheel clamp Min. security detached Hitchlock or wheel clamp Hitchlock or wheel clamp Continental use EU policy Yes - 90 days per year in Ireland & Continental Europe UK policy - No - UK use only Yes, max 180 days per year (excludes certain Eastern European and former Soviet countries - see Policy Summary) Personal Accident Yes up to 10,000 (aged 16-75) Yes up to 20,000 (aged 16-70) Ill Driver Cover Yes costs to get driver/van home No Legal Expenses Up to 50,000 available on request Up to 50,000 available on request

8 Motorhome Cover Comparison Motorhome Cover Comparison Tel: Tel: COVER DETAILS Axa Highway KGM COVER European DETAILS use 270 Axa days. Up to 3 months. Highway EU, Andorra, Croatia, 90 KGM days. European use 270 days. Up Iceland, to 3 months. Norway EU, and Andorra, Switzerland Croatia, 90 days. Personal effects Up to 3,500 following accident, fire Iceland, Max 100. Norway Excludes and money, Switzerland stamps, Comprehensive only - Up to 2,000, Personal effects Up and to theft. 3,500 following accident, fire Max tickets, 100. docs, Excludes securities, money, furs, stamps, jewellery, Comprehensive max 200 per item. only - Up to 2,000, and theft. tickets, entertainment, docs, securities, keys, remote furs, devices, jewellery, or max 200 per item. entertainment, property covered keys, by other remote insurances. devices, or Legal defence costs Legal fee's and expenses if we property Costs and covered expenses by other as a result insurances. death Legal defence costs with our written Legal defence costs Legal provide fee's written and permission expenses if (in we relation Costs by dangerous and expenses or reckless as a driving. result death Legal Legal consent. defence costs with our written provide to liability) written permission (in relation by costs dangerous and expenses or reckless for defending driving. Legal consent. to liability) costs charges and of expenses manslaughter. for defending Personal accident Death - 7,500 for you and charges Comprehensive of manslaughter. only Max 5,000 per Comprehensive only. 2,000 for death, Personal accident Death passengers. - 7,500 Loss for of you sight and or limbs - Comprehensive person excluding: only Max 5,000 per Comprehensive loss of limb or eye only. for 2,000 you or your for death, passengers. 5,000 for you Loss and of family sight members or limbs - person persons excluding: aged under 21 or over 75 loss spouse/civil of limb or partner eye for excluding: you or your 5,000 living with for you. and family members persons suicide or aged attempted under 21 suicide or over 75 spouse/civil persons partner aged over excluding: 65 living with you. suicide failure to or use attempted seatbelts suicide persons caused by aged suicide, over drink 65 or drugs Lock/key cover Comprehensive failure to use only seatbelts - Up to 750 for 10% caused of vehicles by suicide, Market drink Value or or drugs agreed Lock/key cover Comprehensive door, boot, ignition only and - Up steering to 750 locks, for 10% value of up vehicles to 300. Market Value or agreed door, the lock boot, transmitter ignition and or entry steering card. locks, value up to 300. Public Liability Death or injury to others Unlimited. the Up to lock 20m transmitter + 5m for entry costs card. and Up to 20m. Public Liability Death Damage or to injury other to property others Unlimited. Up to Up expenses to 20m incurred. + 5m for costs and Up to 20m. Damage 20m, plus to all other legal property costs provided Up to expenses incurred. 20m, the total plus does all not legal exceed costs 25m. provided Awnings the total Ex does storm not exceed if not in 25m. use Ex storm if unattended > 7 days Awnings/gas bottles Up to 1,000 Awnings Windscreen cover Included Ex No storm loss if of not NCD. in use No Comprehensive Ex storm if unattended only Up to > days in Comprehensive Awnings/gas bottles only Up Up to to ,000 Windscreen cover Included excess for repair, No loss just of NCD. applies No to Comprehensive the policy year. No only excess Up to for 600 repair, in Comprehensive 90 excess if replaced only by Up Glassline. to 500. excess replacement. for repair, Excess just 60 applies to the just policy applies year. to replacement. No excess for Excess repair, excess excess if if replaced replaced by elsewhere. Glassline. Driving other cars replacement. Included. Excess 60 just Excluded. applies to replacement. Excess Excluded. excess if replaced elsewhere. Driving Medical other expenses cars Included. Up to 250 for you, your driver and Excluded. 150 per passenger. Excluded. Medical expenses Up passengers. to 250 for you, your driver and 150 per passenger. Replacement motorhome/ passengers. Transport or hotel costs up to 250 if Courtesy car provided if an Approved Replacement loss of use / alternative motorhome/ Transport you cannot or complete hotel costs your up journey. to 250 if Courtesy Repairer is car used. provided if an Approved loss accommodation of use / alternative cover you cannot complete your journey. Repairer is used. accommodation Audio/visual equipment cover Unlimited cover for in-vehicle Manufacturer s equipment included Audio - Up to 10% of vehicles Market Audio/visual equipment Unlimited navigation cover systems, for in-vehicle audio and visual Manufacturer s without limit. Up equipment to 500 if not included fitted as Audio Value or - Up agreed to 10% value of vehicles (Max 500). Market navigation equipment. systems, Removable audio equipment and visual without standard limit. by manufacturer. Up to 500 if not fitted as Value Satellite or navigation agreed value Up (Max to 10% 500). of equipment. covered if used Removable whilst attached equipment to the standard by manufacturer. Satellite vehicles navigation Market Value Up or to agreed 10% of value covered motorhome if used and whilst is designed attached to be to the vehicles (Max 500 Market - must Value be permanently or agreed value fitted) motorhome totally or partially and is removed. designed to be (Max must be permanently fitted) Camping and associated totally or partially Not included removed. 1,500 for camping equipment (max Not included Camping equipment and associated Not included 200 1,500 per item) for camping ex awnings equipment & gas (max bottles Not included equipment Legal Expenses Up to 50,000 available on request 200 Up per to 50,000 item) ex available awnings on & gas request bottles Up to 50,000 available on request Legal Expenses Up to 50,000 available on request Up to 50,000 available on request Up to 50,000 available on request