• General Notes and Options
• Introduction
• Definitions
• Terms and Conditions
  • Section 1 - Insured Caravan
  • Section 2 - European Use
  • Section 3 - Recovery and Delivery Costs
  • Section 4 - Hotel Accommodation & Replacement Hire
  • Exclusions Applying to Sections 1-4
  • Section 5 - Driver Cover
  • Exclusions (Section 5 only)
  • Section 6 - Personal Accident
  • Exclusions (Section 6 only)
  • Section 7 - Public Liability
  • Conditions (Section 7 only)
  • Exclusions (Section 7 only)
  • Section 8 - Family Member Cover
  • Exclusions (Section 8 only)
• Conditions of Settling Claims
• General Conditions
• Security Requirements
• General Exclusions
• Complaints

Disclosing material facts

You are obliged to inform us of any material fact that affects the risks we insure. If you are in any doubt whether a fact is material, you should disclose it.

Monthly policies and yearly policies

A yearly policy runs for 365 days from the commencement date shown on your schedule.

Monthly policyholders paying by direct debit, Mastercard or Visa are protected by (a) Premium Waiver / Hospitalisation / Accident / Death / Total Disablement / Unemployment Scheme and (b) Legal Fees / Helpline / Advice Scheme (full details are provided). On payment collections, a supplement of £1.95 provides (a) and a further £1.95 provides (b).

(a) and (b) are optional ­ if you do not require them, please tell us. (a) and (b) do not apply if you pay by cheque or Girobank and these payment methods do not qualify you for any free insurance offer.

A monthly policy runs for, and premiums are collected on, equal periods of 28 days. Your monthly policy will renew each month automatically.

During your insurance with us we may offer upgraded benefits, alter cover, or increase premiums. You will get at least 14 days notice of any alterations in cover or premium. You can cancel the policy at any time without penalty by simply phoning us. All premiums exclude Government Insurance Premium Tax at 5%.

Benefits of a monthly policy

(1) Your benefits are substantially better. (2) Policyholders paying by direct debit, Mastercard or Visa enjoy the protection of: (a) Premium Waiver / Hospitalisation / Accident / Death / Total Disablement / Unemployment Scheme and, (b) Legal Fees / Helpline / Advice Scheme (full details are provided). (3) Payments are collected at regular, equal periods of 28 days. (4) There is a monthly free draw where one lucky monthly policyholder wins a further six free insurance payments - full details are provided. (5) You get special discounts on our range of insurance policies. (6) You receive details of other special offers throughout the year.

Emergency Claims Helpline - 0870 742 3890

This service is available to you FREE as a valued policyholder. The helpline is open all year round except Christmas day. It offers a personal contact (Mon-Fri 8.00am-9.00pm, Sat/Sun 9.00am-6.00pm) providing assistance, advice and information in an emergency. You can also phone the helpline to request claim forms. Outside these hours a swift-action answerphone service is also available.

We have pleasure introducing this insurance policy from E&L, for people who own caravans. Much careful research went into devising the policy. We hope you will be pleased with the level of cover and the service we are offering.

The policy sets out the cover we provide. Please read the policy as soon as you receive it. If you do not keep to the conditions, your policy could become void or we may not be able to accept liability for a claim. If you are not entirely happy with the policy, please return it to us within 14 days without making a claim. We will then cancel the policy and refund the whole of your premium.

We only insure you when we accept a satisfactory proposal form and issue a schedule, and when you have paid us the correct premium before the start date of the period of insurance or within 28 days if we allow a credit period to an agent. If we are told about any claims under the policy in any period of insurance, we will not have to return any part of the premium for that period.

The proposal form you fill in is the basis of this contract. We provide insurance under the policy for those specific sections in the schedule or any endorsement. We as the insurer and you, as the insured, are entitled to choose the law applicable to this contract of insurance. We propose English law and in the absence of any agreement to the contrary, English law will apply.

The policy schedule is important. It lists the cover you have chosen, it is proof of your insurance and may be needed if you have a claim. We will not be liable for more than the limit of cover shown in the relevant part of the schedule. The policy depends on the warranties (promises), conditions and exclusions shown in it. Your agent will not be or become our agent for giving notice about any claims or any other matter. If you ask, we may agree to change any part of the policy.

Geographical limits

This policy does not cover any damage, loss or liability arising outside the United Kingdom, Channel Islands or Isle of Man, except as set out in Section 2.

Francis Martin
General Manager
Signed on behalf of the Equine & Livestock Insurance Company Limited.

Caravan -- the caravan including fixtures and fittings and any accessories or additional contents as detailed in the schedule.

Caravan accessories/contents -- equipment such as awnings, toilets/toilet tents, generators, water carriers, kitchen utensils, security devices, bedding. To be covered, all items must be detailed in the schedule.

Family member -- means spouse, parents, children or relative (by marriage, birth or adoption).

Inexperienced driver -- person responsible for driving the towing vehicle if within 1 year of first caravan ownership or usage.

Period of insurance -- for yearly policies a period of 365 days from the start of the policy or the last renewal; for monthly policies 28 days, unless agreed otherwise.

Schedule -- the document showing the details of the policyholder and the cover provided.

Unattended -- left alone and not under constant supervision.

We -- Equine and Livestock Insurance Company Limited.

You -- person or persons named in the schedule.

SECTION 1 - INSURED CARAVAN

Cover

• Loss of or damage to the caravan including fixtures and fittings, as a result of accidental damage, fire, theft, storm or flood. Settlement is limited to a maximum of the sum insured value and is subject to depreciation.
• Loss of or damage to caravan accessories and any additional contents only if specified in the schedule, as a result of accidental damage, fire, theft, storm or flood. Settlement is limited to a maximum of the sum insured value and is subject to depreciation.
• If the caravan is totally destroyed or stolen within one year of new i.e. manufacture date, replacement will be based on the sum insured value or new market value if less. This new-for-old period can be extended to three years on the payment of a small additional premium.

SECTION 2 - EUROPEAN USE

Cover

• This insurance lasts up to 90 days per occasion, up to a maximum total in a year of 180 days while the insured caravan is on the continent of Europe (including sea crossings).
• We cover you against liability for enforced payment of customs duty following temporary importation of the insured caravan into any country in Europe, as a result of loss or damage insured under Section 1.

SECTION 3 - RECOVERY & DELIVERY COSTS

Cover

Applies to mainland UK only. We cover:

• The reasonable cost of removal of the caravan to the nearest suitable repairer, if disabled by loss or damage as detailed under Section 1.
• The reasonable cost of redelivery of the caravan, after repair, to your home or storage address.

SECTION 4 - HOTEL ACCOMMODATION & REPLACEMENT HIRE

Cover

If the caravan becomes uninhabitable while away from home or normal storage address for more than 24 hours because of loss or damage covered under section 1, we cover you for the amount specified in the schedule for the reasonable cost you incur of alternative accommodation or the hire of a caravan similar to yours.

Cover can be extended, on payment of a small additional premium, to include theft or damage occurring before the start of a holiday that cannot be repaired or replaced before the planned holiday.

EXCLUSIONS APPLYING TO SECTIONS 1 TO 4.

• Trailer tents or tourers of non-rigid construction.
• Loss caused by solid fuel, oil stoves, heating etc.
• Depreciation, deterioration, mechanical or electrical breakdown, breakages, manufacturing defects, wear and tear, damage or loss caused by moth, vermin, rot, mildew, water leakage of any cause, or any gradually operating process or deliberate damage by you, a relation, agent, employee or licensee or guest (paying or otherwise) occupant, user, friend or landlord.
• Jewellery, gold, silver, watches, furs, photographic equipment, audio-visual equipment including TVs etc, mobile phones, computers, software collections, business tools, equipment, books, documents, instruments, cash, cheques, credit cards or the like.
• Loss or damage to tyres, however caused.
• Loss due to delay or detention by the authorities.
• Accidental loss or theft from awnings or toilet tents.
• Loss or damage to awnings and tents:
  • caused by weather conditions;
  • if not attached to the caravan and in use;
  • if not locked in a totally enclosed and safe building which has patent 5 lever mortice deadlocks and patent window locks.
• Loss from theft or attempted theft if the specified security requirements are not adhered to.
• Any unspecified contents or accessories.
• Loss due to theft or attempted theft if not following forcible and violent entry or exit; or if the loss occurs at an unknown place; or if the loss is from the home/agreed address and cannot be identified as occurring within a certain 24-hour period.
• Loss of or damage to contents (except for standard caravanning equipment - eg water containers, batteries, gas bottles) if not removed from the caravan while it is not in use or when the site is closed for holiday occupation.
• Damage to caravan while being loaded or unloaded from ships unless the vehicle towing the caravan is driven by you.
• Loss or damage to china, glass or porcelain.

SECTION 5 - DRIVER COVER

Cover

We cover you up to the amount stated in the schedule for:

• The cost of standard class rail fares in mainland UK for you to return to your home address, if while you are on tour the driver of the towing vehicle becomes ill and no other member of your party is able to drive.
• The reasonable cost of returning your car and caravan to your home address.

Exclusions (Section 5 only)

• Any illness or injury occurring before your journey began.

SECTION 6 - PERSONAL ACCIDENT

Cover

• We cover you in the event of death following an accident while you are manoeuvring the caravan, up to the amount stated in the schedule. Payment will be made to your legal representative.

• Death not occurring within 90 days and as a direct result of the incident causing the injury.
• Any person over the age of 75 or under 18.
• Any person under the influence of alcohol or drugs.
• Death as a result of the insured engaging in a military service, racing of any kind, competitions or any hazardous pursuits.
• Death as a result of suicide or intentional self-injury.
• Death as a result of pregnancy, childbirth, physical defect, insanity, infirmity or medical condition unless we have been told about this and have accepted it in writing.

Cover

If through use of the caravan, you or a family member causes:

• death or bodily injury to third party; or
• loss or damage to property belonging to a third party;

then we cover you against sums which you become legally liable to pay as damages. Cover is limited to one occurrence or series of occurrences arising from one original cause up to the amount specified in the schedule. We also cover legal costs and expenses recoverable by any claimant and all costs and expenses incurred with our written consent.

• You must send every letter, claim, writ, summons, legal process or other document to us as soon as you receive it and without answering it.
• You must not admit, offer, promise, pay or agree to anything without our written permission. We may take over any claim in your name and for our own benefit. We will choose how to conduct any proceedings in the settling of any claim.
• For any claim or series of claims we may at any time pay you the amount of the limit of cover (after taking off any amounts already paid in damages or costs) or any lower amounts which the claims can be settled for. We will have no further liability for the claims except for paying legal costs and expenses incurred before the date of the payment.

• Liability for loss or damage occurring while the caravan is being towed, is attached to the towing vehicle, or becomes detached from the towing vehicle.
• Liability arising in connection with any vehicle used for towing or transporting the caravan.
• Liability for death or bodily injury to you, or death or bodily injury to your family/household or any person in the course of their employment by you or your family.
• Liability for loss or damage to property belonging to or in the custody or control of you or a member of your family or household or any person in the course of their employment by you or your family.
• Liability assumed in any contract or agreement.
• Any liability arising from the ownership or possession of any animals.
• Liability arising out of the transmission of any infectious disease or virus.

Cover

This cover only applies if a detailed endorsement is shown on the schedule and we receive the appropriate premium. Cover under all sections would then include any relative of yours using your caravan for social purposes with your permission.

• Any person 25 years old or less.
• Any hired use.

• When we are told of a potential claim, we will need you to fill in the relevant claim forms. We cannot accept liability for a claim if these claim forms have not been returned to us immediately, and at most within 21 days.
• For any claim, we may choose to repair, replace the property or pay the settlement figure.
• All losses under Sections 1, 2, 3, 4 & 5 must be backed up by dated receipts for the insured property or for any costs incurred.
• You must provide all such information, explanations, proof of ownership and of loss and other such evidence as may be reasonably required to substantiate the claim.
• • Settlement for claims as a result of loss of, or damage to, caravan contents or accessories will be based upon the cost price less depreciation, or sum insured/market value if less.
  • Settlement for claims as a result of loss or damage to external caravan panels may be subject to depreciation if wear and tear, such as dents or stress fractures are evident.
  • Settlement for claims due to loss or damage to internal fixtures and fittings, eg upholstery, carpets, cookers, hobs and fridges will be subject to depreciation unless settlement falls within any applicable new for old period.
• You must not dispose of any damaged items until we have had a chance to inspect them. You must not abandon salvaged items to us, unless we have instructed otherwise.
• Confirmation and proof of your holiday booking must be provided for claims under section 4.
• Loss or damage due to flooding unless daily inspections of the caravan and storage site are carried out.
• Claims for accidental loss or damage occurring while the caravan is being towed by an inexperienced driver are subject to a double excess.
• Claims for loss or damage occurring at sites where 5 or more caravans are kept are subject to a double excess.

• You must take all reasonable steps to prevent loss, damage or accidents and maintain any property covered under the policy in a sound and roadworthy condition.
• Anyone claiming insurance under this policy must comply with its terms as far as they can apply.
• How to claim: On discovering any loss, destruction or damage giving rise or likely to give rise to a claim under this policy, you must immediately notify and give full details to our head office: The Equine & Livestock Insurance Company Ltd, PO Box 100, York YO26 9SZ. If you have not received acknowledgement from us within 14 days after you send them, you must send us the details again by recorded delivery. In the event of theft, attempted theft or malicious damage, you must notify the police immediately. You must do everything you reasonably can to get back stolen property. You must co-operate fully and truthfully to give us any information we may need.
• If any other insurance covers the same damage, loss or liability, we will pay only our fair proportion of any claim.
• We will not pay a claim that is in any way untrue or fraudulent, or arises from a malicious, wilful or criminal act by you or someone acting on your behalf; someone caring for or in control of the insured property; or one of your relations, agents, employees, licensees, paying guests or someone living with you.
• You must notify us as soon as possible of any change in circumstances relevant to this policy. Failure to do so may invalidate your policy. We reserve the right to alter the terms of your policy immediately we are notified of such changes.
• If you ask us to alter this policy or schedule or any part of the cover, there will be a reasonable endorsement fee.
• If any insured item consists of articles in a pair or set, the policy will not cover more than the value of any particular part or parts that are lost, destroyed, or damaged. We do not insure any special value that the article or articles may have as part of a pair or set, nor more than a proportionate part of the insured value of the pair or set.
• If any dispute arises as to the amount to be paid under the policy, it may be referred to an arbiter to be appointed by the parties in accordance with the statutory provisions in force at the time. The provision for arbitration adds to your legal rights and does not replace them.
• We may cancel this insurance at any time and return on demand the premium paid less a reasonable amount for the time the policy has been in force. Our liability then ceases immediately but without affecting your or our rights under the policy up to the cancellation date. Notice will be treated as sufficiently given if posted to your last known address. Following the cancellation charge, no refund will be made of any amount equal to or less than £5.
• If you have not made a claim, you may cancel this policy at any time and be entitled to the return of the unexpired portion of your premium. However, we will deduct the reasonable cost of setting up and administering your policy. Following the cancellation charge, no refund will be made of any amount equal to or less than £5.
• If you pay your premiums by direct debit or credit card and you default on any payment, a charge of £2.99 will be added to your next collection.

For cover to be valid, you warrant (promise) that:

• When the caravan is unattended and attached to a towing vehicle, a proprietary wheel clamp - with a high security integral lock projecting into the recessed well on the inside of the wheel, making it resistant to removal by tyre deflation - is attached to it in line with the manufacturer's instructions.
• While you are on holiday and the caravan is detached from the towing vehicle, an effective hitch lock that protects the coupling security bolts and a wheel clamp as described above must be secured to it.
• If the caravan is detached from a towing vehicle but is not in holiday use, then as well as the wheel clamp and hitch lock described above the caravan must be kept at or in one of the following:
  • your home address (or other private address agreed by us in writing). If you or the person responsible for daily inspecting the caravan is away from this agreed address for more that 24 hours, the hitch lock must be secured to a proprietary hitch post;
  • a securely locked and alarmed building;
  • a securely fenced and locked storage compound with both of the following security requirements: i) security lighting; ii) mobile security patrols and/or resident caretaker, owner or operator of the compound whose private home is immediately adjacent to the compound's sole access point.
• High value (£5,000+) and twin axle caravans must, in addition to all the above security requirements, be protected by security lighting at your main address (or other agreed private address) and alarmed when kept at any other storage location.

This policy does not cover the following:

• Caravans over 20 years of age unless we have specifically agreed, you have paid the appropriate premium and the endorsement is shown on the schedule.
• Business use, hiring or lending out unless specifically endorsed in the policy schedule.
• Use of the caravan as permanent living accommodation or home address, or as accommodation for periods of longer than 90 consecutive days unless we have given prior agreement in writing and any additional premium has been paid.
• Any theft or loss arising from deception, fraud or use of stolen, forged or invalid cheques, drafts, bank notes or the like.
• The amount specified in the schedule as being your excess - this applies to every section of the policy and to every claim.
• Use of insured property for anything except social, domestic or pleasure purposes.
• Any consequential loss.
• Any liability that arises only because of an agreement.
• Loss/depreciation resulting from reduction in the market value of any property covered under the policy.
• Caravan storage costs.
• If a claim for damage results in the caravan requiring new parts or accessories that are unobtainable or obsolete, any amount greater than the last known printed price list price of the accessory or part, together with fitting charge.
• Any loss, injury, damage, illness, death or legal liability caused by or arising from the failure of any computer hardware or software or any other electrical equipment; in addition any failure by them to recognise or process any date, year 2000 or otherwise, as the true calendar date or to continue to work correctly beyond that date.
• Any legal liability or consequence associated with or caused by war, invasion, act of foreign enemy or hostilities (whether war is declared or not), civil war, rebellion, revolution or insurrection, riot, civil commotion, looting in connection with any of these, strikes or lock-outs, military power or coup.
• Any legal liability or consequence associated with or caused by nuclear or radioactive escape, accident, explosion, waste or contamination.
• Loss, destruction or damage directly occasioned by pressure waves caused by aircraft and other aerial devices.

Authorised and regulated by the Financial Services Authority (FSA) Registration Number: 300859.