Note: The 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
Holiday Home Cover Comparison Tel: 01428 600002 COVER DETAILS Canopius Ocaso Towergate UK General Countries covered Belgium, Cyprus, France, Greece, Ireland, Italy, Malta, Portugal, Spain and UK, 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, excluding damage caused by: gradually operating causes, but excluding:, but excluding: 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 ( UK only) ( UK only) (Excludes: Greece, Italy and Cyprus) (Excludes: Greece and Italy) Subsidence cover (UK only) ( UK only) (Portugal, Spain and areas of UK only) (France, Portugal, Spain and areas of UK only) Unoccupancy terms > 60 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 Ex - Spain, Portugal, Cyprus 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 UK only 5 Lever mortice dead locks on external doors and window locks 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 Legal Expenses - 50,000 Excesses Subsidence - 2,500 Subsidence - 1,000 All Other Claims - min 100 Emergency Travel (Europe) - 1,000 Subsidence - 1,000 N/A Subsidence - 1,000
Holiday Home Cover Comparison Tel: 01428 600002 COVER DETAILS - Superior - Standard - Economy Plum Underwriting Countries covered Cyprus, France, Greece, Italy, Malta, Cyprus, France, Greece, Italy, Malta, Cyprus, France, Greece, Italy, Malta, UK only Portugal and Spain Portugal and Spain Portugal and Spain, excluding damage caused by:, excluding damage caused by:, excluding damage caused by: 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 ( 500 excess) Optional extension ( 500 excess) Optional extension ( 500 excess) Optional extension (ex when let) Earthquake cover Included in most regions: increased Included in most regions: increased Included in most regions: increased Included 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 Included Unoccupancy terms Notify if unoccupied for >30 days (expat) 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 Public Liability - 2 m Employers Liability (domestic) - 5m Loss of rent/alternative 12 months 6 months N/A 10% of BSI up to 12months accommodation cover Trace & access of leaks Up to 1,000 Up to 1,000 Up to 1,000 5,000 Frozen food Up to 1,000 Up to 500 N/A Optional Loss of metered water/oil Up to 1,000 Up to 500 N/A 1,000 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 Optional Money Up to 100 within home Up to 100 within home N/A Optional Minimum security Adequate locks/locking systems on final exit doors & accessible windows Adequate locks/locking systems on final 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 All Other Claims - min 100 Subsidence - 2,500 All Other Claims - min 100 Adequate locks/locking systems on final exit doors & accessible windows Subsidence - 2,500 All Other Claims - min 100 MAX CONTENTS ON ONE SINGLE ARTICLE: 3,000 5 lever mortice deadlock OR Rimlock on external doors and accessible windows Subsidence - 1,000 All Other Claims - min 250
Static Caravan Cover Comparison view the Policy Summary and Policy Wording documents as well as speific terms detailed COVER DETAILS Definition of caravan Ptarmigan Holiday Park Home Superior Household goods and personal property inside the Holiday Park Home or locked within storage units Ptarmigan Holiday Park Home Standard Household goods and personal property inside the Holiday Park Home or locked within storage units Ptarmigan Holiday Park Home Economy Household goods and personal property inside the Holiday Park Home or locked within storage units Ptarmigan Cherished Household goods and personal property inside the Holiday Park Home or locked within storage units Electricals ( 1,500 limit per article) Personal Effects ( 500 limit per article) Sports Equip ( 500 limit per article) Valuables ( 500 limit per article) Wedding Gifts (Up to 2,500) Money (Up to 250) Electricals ( 750 limit per article) Personal Effects Sports Equip Excludes: Money,Valuables Electricals ( 750 limit per article) Personal Effects Sports Equip Excludes: Money,Valuables Sports Equip ( 50 limit per article) Electrical Goods (Up to 1,500) Storage Unit (Up to 500) Excludes: Money, Valuables Contents in the open in locked storage units in locked storage units in locked storage units in locked storage unit ( 500) Re-siting fees - 7,500-5,000-1,000-2,500 earthquake, storm, flood, theft, escape of water, vandalism, impact, subsidence, falling trees, emergency access, garden cover earthquake, storm, flood, theft, escape of water, vandalism, impact, subsidence, falling trees, emergency access, earthquake, storm, flood, theft, escape of water, vandalism, impact, subsidence Fire, theft, vandalism, storm, flood Accidental Damage No New for Old cover Up to 30 years old (Park Home) Up to 20 years old Up to 20 years old Up to 10 years old Market Value cover Up to 30 years old Up to 30 years old Up to 30 years old Up to 30 years old Public liability 2m or 5m 2m or 5m 2m or 5m 2m or 5m Winter escape of water warranty Excludes escape of water Oct - Mar (unless water drained or frost stat set to 4 degrees) Excludes escape of water Oct - Mar (unless water drained or frost stat set to 4 degrees) Excludes escape of water Oct - Mar (unless water drained or frost stat set to 4 degrees) Excludes escape of water Oct - Mar (unless water drained) Loss of rental income and Up to 10% of Sum Insured Up to 5% of Sum Insured No - 50 a day 30 days alternative hiring charges Frozen food - 250 No No Optional 250 add-on Replacement locks/keys - 250-100 No Optional 250 add-on Personal Accident up to 10,000 for insured or No No up to 20,000 for family members spouse up to age of 70 aged between 16-70 Legal Expenses Optional 50,000 add-on Optional 50,000 add-on Optional 50,000 add-on Optional 50,000 add-on Car Breakdown Optional AXA Breakdown add-on Optional AXA Breakdown add-on Optional AXA Breakdown add-on Optional AXA Breakdown add-on
Static Caravan Cover Comparison view the Policy Summary and Policy Wording documents as well as speific terms detailed COVER DETAILS Towergate UK General Ptarmigan Select Definition of caravan Household linen, clothing and personal belongings which belong to you Excludes: Money, Valuables, sports equipment, Theft of electrical items whilst site is closed or caravan unoccupied Personal items including clothing, household goods whilst contained in the Caravan ( 500 limit per article) Excludes:, Sports Equipment, Various Electrical Goods (eg: Phones) Accidental Damage to Personal items including clothing, household goods whilst contained in the Caravan Sports Equip ( 50 limit per article) Electrical Goods (Up to 1,000) Storage Unit (Up to 500) Excludes: Money, Valuables Contents in the open shed and plus up to within plot boundaries in locked storage unit ( 500) 200 for items within plot boundary (excludes theft) Re-siting fees Optional Increase Sum Insured - 2,500-2,500 earthquake, storm, flood, escape of water, theft, vandalism, subsidence, falling trees, impact Fire, explosion, lightning, earthquake, theft, vandalism, escape of water, storm, flood, subsidence, falling trees Fire, theft, vandalism, storm, flood Accidental Damage New for Old cover Up to 15 years old Up to 10 years old Up to 10 years old Market Value cover Up to 20 years old Up to 30 years old Up to 30 years old Public liability 2 or 5m 2,000,000 2,000,000 Winter escape of water warranty Excludes escape of water Nov - Mar (unless the caravan is occupied) Excludes escape of water Nov - Mar (unless the caravan is occupied) Ex escape of water Oct - Mar (Unless water drained or frost stat set to 4 degrees) Loss of rental income and up to 20% of Sum Insured - 1,000-50 a day 30 days alternative hiring charges Frozen food 100 200 250 Replacement locks/keys Optional 250 add-on Personal Accident No 10,000 (aged 16-75) 10,000 (aged 16-70) Legal Expenses Optional 50,000 add-on Optional 50,000 add-on Optional 50,000 add-on Car Breakdown Optional AXA Breakdown add-on Optional AXA Breakdown add-on Optional AXA Breakdown add-on
Touring Caravan Cover Comparison COVER DETAILS AmTrust UK/EU Amtrust Economy Amtrust Saver UK General UK/EU Definition of caravan All accessories which are owned by You and would take with You when using Your Caravan All accessories which are owned by You and would take with You when using Your Caravan All accessories which are owned by You and would take with You when using Your Caravan All accessories which are owned by You and would take with You when using Your Caravan ( 300 limit per article) Includes: Includes: Includes: earthquake, storm, flood or theft Includes: Excludes : Accidental damage No Type of Cover New For Old (Up to 5 years) New For Old (Up to 5 years) New For Old No New For Old (Up to 5 years) Market Value (Up to years) Market Value - Market Value Market Value - (Up to 20 years) Public Liability 2,000,000 2,000,000 2,000,000 2,000,000 Awning Conditions Must not be leave awnings up Must not be leave awnings up Must not be leave awnings up Excludes weather damage if not in use (unless in use) (unless in use) (unless in use) for more than 24 hours Accident recovery, reasonable additional costs, claim costs back No, claim costs back Loss of use/hire charges, 75 per day - 14 days No No, 75 per day - 15 days Persons authorised to tow caravan Family Policy Immediate family Solo Policy Insured & Spouse Insured & Spouse Only Immediate family including grandparents, aunts, uncles Spouse/Partner, Children and any other Family member living with you. Wheel clamp Wheel clamp Wheel clamp None Whilst attached to car Wheel clamp & Hitchlock Wheel clamp & Hitchlock Wheel clamp & Hitchlock Wheel clamp or Hitchlock Whilst detached from car Continental use EU policy - max 240 days per year No No EU policy - max 90 days per year Personal Accident No No No 10,000 (aged 16-75) Ill Driver Cover No No No No Legal Expenses Optional 50,000 add-on Optional 50,000 add-on Optional 50,000 add-on Optional 50,000 add-on Car and Caravan Breakdown Cover Optional AXA Breakdown add-on Optional AXA Breakdown add-on Optional AXA Breakdown add-on Optional AXA Breakdown add-on
Touring Caravan Cover Comparison COVER DETAILS Ptarmigan Tourer Select UK/EU Ptarmigan Cherished Caravan Ageas Towergate Definition of caravan All accessories which are owned by You and would take with You when using Your Caravan ( 300 limit per article) Articles of personal use, clothing and general household goods whilst within the caravan and belonging to You. and Various Electrical Goods (eg: Phones/Cameras) Household goods and personal belongings within the caravan which are your property. ( 250 limit per article - EU Policy) ( 500 limit pet article UK Policy) Any accidental, unforeseen event causing damage to the caravan or All accessories which are owned by You and would take with You when using Your Caravan (50% of Sum Insured limit) Money, Valuables Accidental damage Type of Cover New For Old (Up to 10 years) New For Old (Up to 10 years) New For Old (Up to 5 years) New For Old (Up to 5 years) Market Value (No Limit) Market Value - (Up to 50 years) Market Value (Up to 30 years) Market Value (Up to 20 years) Public Liability 2,000,000 2,000,000 2,000,000 2,000,000 Awning Conditions Excludes weather damage if not in use for more than 24 hours Excludes any damage if not in use for more than 7 days Excludes storm damage between Oct Feb if not in use for more than 24 hours Covers awnings left up all year round Accident recovery, claim costs back, claim costs back - claim costs back - claim costs back Loss of use/hire charges, 75 per day - 15 days, 50 per day - 30 days, 100 per day 15 days, 5% of sum insured Persons authorised to Immediate family including Immediate family including Policy Holder Only Any family tow caravan grandparents, aunts, uncles grandparents, aunts, uncles None None Hitchlock or wheel clamp Wheel clamp Whilst attached to car Hitchlock or Wheel Clamp Hitchlock or wheel clamp Hitchlock or wheel clamp Wheel clamp and other as required Whilst detached from car Continental use EU policy - max 90 days per year EU policy - max 180 days per year EU policy - max 180 days per year, unlimited (Covers caravans stored abroad) Personal Accident 10,000 (aged 16-75) 20,000 (aged 16-70) EU policy - 20,000 (aged 16-70) No UK policy No Ill Driver Cover covers costs to get driver/van No EU policy - No home UK policy No Legal Expenses Optional 50,000 add-on Optional 50,000 add-on Optional 50,000 add-on - 100,000 included Car and Caravan Breakdown Cover Optional AXA Breakdown add-on Optional AXA Breakdown add-on Optional AXA Breakdown add-on Optional AXA Breakdown add-on
Trailer Cover Comparison COVER DETAILS Definition of Trailer Contents Accidental damage Amtrust Trailer Insurance Contents is not covered earthquake, malicious damage/vandalism, storm, flood or theft, but excluding damage caused by: Chewing, scratching, tearing or fouling by animals New for Old cover Market Value cover - trailer less than 1 year old Public Liability 2,000,000 Persons authorised to tow trailer Whilst attached to car Whilst detached from car Immediate family including grandparents, aunts, uncles Wheel Clamp Hitchlock and Wheel Clamps Continental use Accident recovery Car and Trailer Breakdown Cover Legal Expenses 30 days No, please enquire about our breakdown cover Optional AXA Breakdown add-on Optional 50,000 add-on
Motorhome Cover Comparison Motorhome Cover Comparison Tel: 01428 600010 Tel: 0844 770 6682 COVER DETAILS Axa Highway KGM KGM Classic COVER European DETAILS use 270 Axa days Up to 6 months. Highway EU, Andorra, Croatia, 90 KGM days. 30 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, Excludes Norway money, and stamps, Switzerland tickets, docs, Comprehensive only - Up to 2,000, Comprehensive only - Up to 100 Personal effects Up and to theft. 3,500 following accident, fire Max securities, 100. furs, Excludes jewellery, money, stamps, 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 with our 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 written consent. 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, 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, loss of limb or eye for you or your 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 spouse/civil partner excluding: 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 persons aged over 65 living with you. suicide failure to or use attempted seatbelts suicide persons caused by aged suicide, over drink 65 or drugs caused by suicide, drink or drugs Lock/key cover Upto 1,000 (If keys stolen) Comprehensive failure to use only seatbelts - Up to 750 for 10% caused of vehicles by suicide, Market drink Value or or drugs agreed 10% of vehicles Market Value or 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 value up to 300. door, the lock boot, transmitter ignition and or entry steering card. locks, value up to 300. Public Liability Up to 20m, plus all legal costs the Up to lock 20m transmitter + 5m for entry costs card. and Up to 20m. Up to 20m. Public Liability Death provided or the injury total others does not Unlimited. exceed Up expenses to 20m incurred. + 5m for costs and Up to 20m. Damage 25m. to other property Up to expenses incurred. Awnings 20m, plus Ex all storm legal if not costs in provided use Ex storm if unattended > 7 days Awnings/gas bottles Up to 1,000 No Windscreen cover the Included total does No not loss exceed of NCD. 25m. No Comprehensive only Up to 600 in Comprehensive only Up to 500. Comprehensive only Up to 500. Awnings (Comprehensive Only) excess for Ex repair, storm just if not applies in use to the policy Ex storm year. if unattended No excess for > 7 repair, days 90 Awnings/gas excess if replaced bottles by Up Glassline. to 1,000 90 excess if replaced by Glassline. Windscreen cover Included replacement. No Excess loss of 60 NCD. No Comprehensive just applies to replacement. only Up to Excess 600 in 75 Comprehensive 150 excess if replaced only Up elsewhere. to 500. 150 excess if replaced elsewhere. Driving other cars excess Included. for repair, just applies to the Excluded. policy year. No excess for repair, 90 Excluded. excess if replaced by Glassline. Excluded. Medical expenses replacement. Up to 250 for Excess you, your 60 driver and just 150 applies per passenger. to replacement. Excess 75 150 200 excess per passenger. if replaced elsewhere. Driving other cars Included. passengers. Excluded. Excluded. 200 per passenger. Medical Replacement expenses motorhome/ Up Transport to 250 or for hotel you, costs your up driver to 250 and if 150 Courtesy per passenger. car provided if an Approved 300 Travel & Accommodation Not Included loss of use / alternative passengers. you cannot complete your journey. Repairer is used. Replacement accommodation motorhome/ cover Transport or hotel costs up to 250 if Courtesy 300 Travel car & provided Accommodation if an Approved loss Audio/visual of use / alternative equipment you Unlimited cannot cover complete for in-vehicle your journey. Repairer Manufacturer s is used. equipment included Audio - Up to 10% of vehicles Market Audio - Up to 10% of vehicles Market accommodation cover navigation systems, audio and visual without limit. Up to 500 if not fitted as Value (Max 500). Value (Max 500). Audio/visual (Comprehensive equipment Only) Unlimited equipment. cover Removable for in-vehicle equipment Manufacturer s standard by manufacturer. equipment included Audio Satellite - Up navigation to 10% of vehicles Up to 10% Market of Satellite navigation Up to 10% of navigation covered if used systems, whilst audio attached and visual to the without limit. Up to 500 if not fitted as Value vehicles or Market agreed Value value (Max 500). - vehicles Market Value (Max 500 - equipment. motorhome Removable and is designed equipment to be standard by manufacturer. Satellite must be permanently navigation Up fitted) to 10% of must be permanently fitted) covered totally or if partially used whilst removed. attached to the vehicles Market Value or agreed value Camping and associated motorhome and Not is included designed to be 1,500 for camping equipment (max (Max 500 Upto - must 2000 be (max permanently 200) fitted) Upto 2000 (max 200) equipment totally or partially removed. 200 per item) excludes gas bottles Camping Legal Expenses and associated Optional Not 50,000 included add-on 1,500 Optional for camping 50,000 equipment add-on (max Optional Not 50,000 included add-on Optional 50,000 add-on equipment Breakdown Cover Optional AXA Breakdown add-on 200 Optional per item) AXA ex awnings Breakdown & gas add-on bottles Optional AXA Breakdown add-on Legal Expenses Up to 50,000 available on request Up to 50,000 available on request Up to 50,000 available on request NA