Policy Document. Caravan Protector

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1 Policy Document Insurnce with different perspective Crvn Protector

2 Introduction Welcome to our Crvn Protector policy. Crvn Protector This document, the schedule, ny sttement of fct or proposl nd ny endorsements set out the terms of the contrct etween you nd us. Plese red the policy, schedule nd ny endorsements to mke sure they provide the cover you require. If they re not correct, or do not meet your needs, plese immeditely return this policy document to the person who rrnged this insurnce for you. The schedule sets out the sums insured (the mount of cover you hve) nd the sections of the policy which pply. If your insurnce needs chnge during the period of insurnce plese let us know s soon s possile. You must tell us out ny chnges which ffect the circumstnces of the crvn. If you don't your policy my not e vlid. Before you ccept our policy, you hve 14 dys to review your policy wording nd consider its full terms. If you re not totlly hppy with the policy nd hve not mde clim, simply write to us t the ddress on the ck cover requesting tht your insurnce is cncelled nd tht ny monies pid e returned. We will then cncel your insurnce. Our greement. In return for your premium we will insure you during the period of insurnce, under the terms set out in this policy document, the schedule nd ny endorsement we hve issued. Signed for nd on ehlf of IGI Insurnce Compny Limited Your policy is designed to e mended esily nd we will issue new schedule or endorsement ech time the policy is ltered. You must lso tell us if t ny time the sums insured shown in the schedule re not enough. Following clim we cn mke csh pyment, crry out the necessry repirs, or replce the item. K W Wrdell Mnging Director Plese keep your policy wording in sfe plce. You my need to red it if you need to mke clim or if you need help. IGI Insurnce Compny Limited Registered in Englnd numer t Mrket Squre House, St Jmes s Street, Nottinghm NG1 6FG. Authorised nd regulted y the Finncil Services Authority. Memer of the Assocition of British Insurers.

3 Contents Pge 2 Pge Definitions 3 Policy Cover 4 Settling Clims 4 Generl Exclusions 5 Generl Conditions 6 Clims Procedure nd Conditions 7 Cncelltion 7 Complints Procedure 1

4 Definitions Certin words in your policy wording re printed in old type nd these words nd expressions hve een given specific menings s follows: Crvn Protector Crvn The structure of the touring crvn descried in the schedule together with n wning, fixed motor mover, fixtures nd fittings included in the mnufcturer's originl specifiction or supplied with the touring crvn or fitted y the mnufcturer t lter dte. CSSOA The Crvn Storge Site Owners Assocition. Contents Stndrd crvnning equipment nd ll dditionl items you would resonly tke with you when using your crvn including pedl cycles, nd portle motor movers. Geogrphicl limits United Kingdom (Englnd, Scotlnd, Wles, Northern Irelnd, the Isle of Mn nd the Chnnel Islnds) nd for ny period of no more thn 240 dys in ny one period of insurnce - the Europen Union, Norwy nd Switzerlnd. Period of insurnce The period of time covered y the policy s shown in the schedule. Permnent residence Any crvn not occupied y you or your immedite fmily for holidy purposes, ut occupied y you or your immedite fmily s min domestic residence whether temporry or permnent. Schedule The document we give you which mkes the policy vlid nd shows your nme, detils of your ddress, the crvn, the sums insured, the crvn storge ddress nd the policy numer. Storge ddress Your home or n ddress you hve given us nd which we hve ccepted.

5 Home Within the oundries of your permnent plce of residence or your immedite fmily permnent plce of residence ut excluding communl prking res nd ny pulic rod or highwy. Immedite fmily Mother, step-mother, fther, step-fther, son, step-son, dughter, step-dughter, rother, step-rother, sister, step-sister, grndmother nd grndfther, unts nd uncles. In use When you or your immedite fmily re using or visiting your crvn for holidy purposes or when the crvn is ttched to towing vehicle. This includes 24 hour period immeditely prior to nd returning from you or your immedite fmily using or visiting your crvn for holidy purposes provided the crvn is kept t your home during this 24 hour period. Money Csh, nk or currency notes, cheques, money nd postl orders, postge stmps, svings stmps nd svings certifictes, premium onds, luncheon vouchers, trveller's cheques, phone crds, seson tickets, gift tokens or vouchers, documents, promotion vouchers nd ir-miles vouchers. Unttended When the crvn is in use nd you hve temporrily moved wy from the crvn. Vlules Any rticle mde from precious metl, chin, glss, porcelin, jewellery, fur, wtches, video or photogrphic equipment, computers, inoculrs, telescopes, phones, pictures, works of rt, ntiques, stmp, medl nd coin collections, sporting equipment nd portle udio equipment. We, Us, Our, Compny IGI Insurnce Compny Limited Mrket Squre House St Jmes's Street Nottinghm NG1 6FG. Tel: Fx: Emil: nottinghm@igi.co.uk Reg No: Authorised nd regulted y the Finncil Services Authority You, Your, Policyholder The person(s) nmed in the schedule. 2

6 Policy Cover 1 We will cover you ginst loss or dmge to the crvn nd its contents cused y n insured peril. Insured perils 1 fire, explosion, lightning nd erthquke; 2 storm or flood; 3 ccidentl dmge; 4 mlicious cts or vndlism; 5 theft or ttempted theft. Excluding Theft of contents whilst outside the crvn. Theft of or loss or dmge to money, vlules, firerms, wines, spirits nd tocco goods. c Theft of or loss or dmge to the crvn while the crvn is not eing used unless it is kept t your home or t storge ddress you hve written nd told us out nd which we hve ccepted. d Theft of contents unless there is evidence of forcile or violent entry or exit to or from the crvn. c 2 1 hotel ccommodtion costs (not including food nd drink) up to 75 dy for up to 14 dys; or 2 hire costs for replcement crvn up to 75 dy for up to 14 dys. Additionl contents cover When the crvn is in use only, s long s the sum insured is enough to cover the contents, we will cover outside furniture kept in n wning. Pulic liility We will insure ny mounts which you leglly hve to py for cusing ccidentl odily injury, deth or disese, ccidentl loss or dmge to property rising out of you owning, possessing or using the crvn or the contents which hppens within the geogrphicl limits. We will lso insure defence costs you py or gree to py with our permission s well s the limit of liility for this section. We will cover your personl representtives entitled to cover under this section for ny liility you or they my hve. However you nd they must keep to the terms, conditions nd exclusions of this section. We will lso cover you or your immedite fmily for ny legl liility s owner or occupier of the crvn Crvn Protector

7 e f g Theft of electronic or electricl equipment whilst left in the crvn when it is not in use. Accidentl dmge to contents nd vlules. We will not py for loss or dmge to crvn genertors or dmge to the crvn resulting from using genertors. to compenste others if, following n ccident during the period of Insurnce, someone dies, is injured, flls ill or hs their property dmged. We will py up to 2,000,000 in connection with ny one incident. Additionl extensions We will py the extr costs of the following fter loss or dmge insured y this policy. Emergency removl If your crvn cnnot e moved s result of loss or dmge while in use, we will py the extr costs you resonly hve to py to: 1 recover the crvn from the scene of rod trffic ccident; 2 remove the crvn from the premises of recovery compny to the secure premises of our nerest pproved repirer; 3 re-deliver the crvn to you t your home or storge ddress s shown in the schedule. Loss of use If you cnnot sty in your crvn s result of loss or dmge while in use, nd you decide to continue with your holidy, we my py the extr costs you resonly hve to py for: Excluding c We will not cover pulic liility rising directly or indirectly while you re towing the crvn. We will not cover loss or dmge to property you own or re looking fter or if it is more specificlly insured elsewhere. We will not py if the liility tht rises from deth, injury or illness of you or your immedite fmily; loss of or dmge to ny property you, your immedite fmily or your domestic employees own or tht you or they re responsile for. 3

8 Settling Clims The crvn We will either py the cost of repiring the crvn or, if the crvn is lost or dmged eyond economicl repir, we my settle the clim s follows: 1 New For Old Cover If you suffer totl loss nd the crvn is within five yers of ge from the dte of mnufcture nd you hve een the only owner, we my replce the crvn with new crvn of the sme mke nd model. Your sums insured must cover the cost of new crvn of the sme mke nd model. You must e le to provide the originl purchse receipt. Agreed Vlue If you suffer totl loss nd the crvn is within five yers of ge from the yer of mnufcture nd you hve not een the only owner nd you purchsed the crvn from crvn deler, we my py the purchse price pid y you. Our liility shll not exceed the purchse price pid y you. If you hve ought your crvn from nyody other thn crvn deler, you must e le to provide vlution from crvn deler showing the originl purchse price pid y you reflects the mrket vlue of the crvn. Your sums insured must cover the originl purchse price pid y you. Generl Exclusions We will not py for loss or dmge: 1 To tyres unless cused y n insured peril; 2 Resulting from rod trffic ccidents if the crvn is not rodworthy; 3 To genertors or resulting from using genertors; 4 Or ny legl liility or odily injury directly or indirectly cused y or rising from: ionising rdition or rdioctive contmintion from ny nucler fuel or ny nucler wste from urning nucler fuel; the rdioctive, toxic, explosive or other dngerous properties of ny explosive nucler equipment or ny prt of it. We will not py for loss or dmge cused y: 1 Fulty workmnship, fulty design or using fulty mterils; 2 Repiring, restoring, renovting, clening or dyeing; 3 Electricl or mechnicl filure or rekdown; 4 Wer, ter or loss of vlue or ny expense or costs tht re indirectly cused y the insured peril; 5 Wet or dry rot, frost, vermin, insects, fungus or nything Crvn Protector

9 c Mrket vlue If neither ) or ) ove pply, we my py the retil vlue of the crvn t the time of the loss or dmge (s shown in the current edition of Glss's Guide to Crvn Vlues), less deduction to reflect pre-ccident condition. The contents We will py the cost of repiring dmged items or: 2 py the cost of replcing lost or dmged items y items of similr qulity; replce lost or dmged items with items of similr qulity. We my tke off n mount for wer, ter, nd loss in vlue. If the sums insured on the crvn nd contents t the time of loss or dmge re less thn the cost of replcement less n mount for wer, ter nd loss in vlue, you shll e considered s eing your own insurer for the difference nd shll er rtele shre of the loss ccordingly. which hppens grdully; 6 Wter dmge or resulting from wter leking in through windows, doors, ventiltors, ody joints or sels; 7 Chewing, scrtching, tering or fouling y nimls; 8 Deception, unless deception is used only to gin ccess or entry to the crvn; 9 Any loss or dmge or liility cused y wr, invsion, revolution, terrorism or ny similr event; 10 Pressure wves from ircrft or other flying ojects trvelling t or ove the speed of sound; 11 You towing your crvn if your crvn weighs in excess of 100% of the towing vehicle s ker weight. We will not py for: 1 The first 100 of ech nd every clim, unless the loss or dmge occurred whilst the crvn ws stored or permnently prked t CSSOA site; 2 More thn 250 for ny one single item insured under the contents section; 3 The cost of replcing ny undmged item or prts of items forming prt of set, suite, crpet or of mtching colour or design if the remining item or items cn still e used nd the loss or dmge hppens within clerly definle re or to specil prt nd replcements cnnot e mtched; 4

10 Generl Exclusions cont. 4 Loss or dmge or legl liility directly or indirectly rising from the crvn eing loned, lesed or hired to ny other person other thn immedite fmily memers; 5 Loss or dmge if the crvn is eing used s privte residence; 6 Loss or dmge or legl liility occuring while the crvn is eing used in connection with ny trde, usiness or profession; 7 Loss or dmge which hppens efore the strt of this policy; 8 Loss or dmge cused deliertely y you; 9 Loss or dmge if you hve not notified us of ny chnges to the storge loction or security rrngements of the crvn. Generl Conditions 1 You must keep to the terms nd conditions of this policy. 2 It is condition of this policy tht whenever the crvn is left unttended nd detched from the towing vehicle, you will mke sure it cnnot e moved y fitting wheel clmp nd hitchlock. If twin xle crvn oth xles must hve wheel clmp fitted. If left unttended while ttched to the towing vehicle you must fit wheel clmp. If twin xle crvn oth xles must hve wheel clmp fitted. 3 You must tke ll resonle steps to prevent or reduce loss or dmge to the crvn nd contents. 4 You must mintin the crvn in sound, rodworthy condition nd keep it in good repir. 5 You must not leve wnings up nd ttched to the crvn unless it is in use. 6 You must write nd tell us immeditely of ny chnges in your circumstnces which ffect this insurnce. (This includes ny chnges in storge nd security rrngements.) If you do not, your policy my not e vlid. 7 We will not py for ny clim which is in ny wy frudulent or exggerted. We my lso mke this insurnce invlid nd get ck ny money we hve pid to you or your representtive. Crvn Protector

11 8 If your crvn is deemed eyond economicl repir during the period of insurnce of this policy, ll cover will end from the dte of the loss nd we will tke premiums you owe from ny mount we py s your clim. 9 Under UK lw you nd we cn choose the lw tht will pply to this contrct. Unless you nd we hve greed otherwise, this contrct will e governed y English lw. 5

12 Clims Procedure nd Conditions If you wish to mke clim, you my either contct the intermediry who rrnged cover for you, who will notify us of your clim, or us. d e Appoint loss djuster to del with the clim; Arrnge to repir the dmge to the insured property. Crvn Protector IGI Clims Hotline (9.m. - 5 p.m. Mon-Fri) IGI Insurnce Compny Limited Mrket Squre House St Jmes's Street Nottinghm NG1 6FG. When sumitting clim form you must give your policy numer. When you ecome wre of n event which is likely to result in clim under this policy: You my do the following: Crry out temporry emergency repirs to mke good the crvn following dmge cused y n insured peril. This is limited to the following without prejudicing your position: 4 Necessry ording up following dmge to windows, doors, fn lights nd skylights to mke the crvn secure. Our cceptnce of liility for ny such temporry repir will lwys e suject to the terms nd conditions of the policy. 1 You must: Provide in writing full detils of injury or loss or dmge s soon s possile nd in ny event within: seven (7) dys if cused y riot or civil commotion; or thirty (30) dys if from ny other cuse. Tell the police immeditely if loss or dmge hs een cused y theft, ttempted theft or mlicious ct or vndlism nd help us get ck nd identify the property; 5 Our rights: We my tke, or sk you to tke, ny ction necessry to get ck, from nyone else, ny costs we hve to py under this policy. We my do this efore or fter we py your clim; We my tke over the defence or settlement of clim ginst you y nother person.

13 c d e Immeditely send us every letter, clim, writ or summons without nswering them; Supply t your own expense, ll reports, certifictes, plns, specifictions, quntities informtion nd help we sk for; Give us ll informtion nd evidence, including written estimtes nd proof of ownership nd vlue, tht we sk for. You must py ny costs involved in doing this. 6 Contriution - other insurnces If you hve ny other insurnce policies which cover the sme loss, dmge or liility s this policy, we will py only our shre of the clim. 2 c d You must not: Leve ny property for us to del with; Dispose of ny dmged items until we hve hd the chnce to inspect them; Repir ny dmged items until we hve hd the chnce to inspect them; Admit liility or promise to mke pyment without our permission. 3 c We my do the following: Keep the insured property nd del with the slvge in resonle wy; Negotite, defend or settle (in your nme nd on your ehlf) ny clim mde ginst you; Prosecute (in your nme for our own enefit), ny other person in respect of ny mount we hve pid or must py; 6

14 Cncelltions 1 If you py n nnul premium: We my cncel the policy y writing to you t your lst known ddress confirming tht ll cover will end 14 dys fter the dte of our letter or you my cncel the policy y giving us written instructions. 2 If you py your premium y monthly instlments: We my cncel the policy y writing to you t your lst known ddress confirming tht ll cover will end seven dys fter the dte of our letter (if we re cncelling the policy ecuse premium hs not een pid); or 14 dys fter the dte of our letter (if we re cncelling the policy for ny other reson). Complints Procedure We lwys im to provide first-clss service. However, if you hve ny complint you should contct the intermediry/roker who rrnged this insurnce for you. If this mtter is not resolved to your stisfction, plese write to: Mnging Director IGI Insurnce Compny Limited Mrket Squre House St. Jmes's Street Nottinghm NG1 6FG If you re still not stisfied or we hve not given you n nswer in eight weeks we will dvise you how you cn tke your complint to the Finncil Omudsmn Service. Their detils re: Crvn Protector You my cncel the policy y giving us written instructions, you should lso instruct your nk to cncel your Direct Deit. If you or we cncel the policy, nd you hve not mde clim during the current period of insurnce, we will refund the premium for ny remining period of cover. Finncil Omudsmn Service, South Quy Plz, 183 Mrsh Wll, London E14 9SR

15 We re covered y the Finncil Services Compenstion Scheme (FSCS). You my e entitled to compenstion from the scheme if we cnnot meet our oligtions. This depends on the type of usiness nd circumstnces of the clim. Most insurnce contrcts re covered for 100% of the first 2,000 nd 90% of the reminder of the clim. Further informtion is ville from the Finncil Services Authority or the FSCS. The ltter cn e visited on the we t or y contcting the FSCS on The complints procedure ove does not ffect ny legl rights you my hve to tke ction ginst us. You cn check the ove detils on the Finncil Services Authority Register y visiting the FSA wesite: or y contcting the FSA on

16 IGI Insurnce Compny Limited Mrket Squre House St Jmes s Street Nottinghm NG1 6FG Tel: Fx: Emil: nottinghm@igi.co.uk Reg No Memer of the Assocition of British Insurers Authorised nd regulted y the Finncil Services Authority CPPW

COMPLETE COVER - `ADD ON' TO TRAVEL INSURANCE POLICIES CONFERENCE & EVENT ORGANISERS SCHEDULE

SPECIMEN ONLY COMPLETE COVER - `ADD ON' TO TRAVEL INSURANCE POLICIES CONFERENCE & EVENT ORGANISERS SCHEDULE Policy Numer: Policyholder: Certificte of Insurnce: PPIP(E) Period of Insurnce: Finncil Loss: