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YOURPOLICYDOCUMENT
TouringCaravan
Freephone:0800614849
www.coastinsurance.co.uk
ThissectionisadministeredbyParkHomeInsuranceServicesLtd,tradingasCoastunderabindingauthorityagreementwithBritSyndicate2987atLloyd’s(BSL)(writtenunderuniquemarketreferenceB0356JJ548F16A000orreplacementthereof).BSL’sliabilityisseveralanditisliableforitsproportionofliabilityandhasnoliabilityforanyotherinsurers’proportion.ParkHomeInsuranceServicesLtdisauthorisedandregulatedbytheFinancialConductAuthority(firmreferencenumber306716)andisauthorisedtoadministerthissectiononbehalfofBSL.BSLismanagedbyBritSyndicatesLimitedwhichisauthorisedbythePrudentialRegulationAuthorityandregulatedbytheFinancialConductAuthority,registrationnumber204930.ThiscanbecheckedbyvisitingtheFCAwebsiteatwww.fca.org.uk.IntroductionItisimportantthatyoureadthepolicytoensurethatitprovidesthecoveryourequire.Ifthereisanythinginitthatyouareunsureabout,pleasecontact:Coast,HelixHouse,HighStreet,Wadhurst,EastSussex,TN56AA.Tel:0800614849oremail:info@coastinsurance.co.ukTheCaravan,Contents,PersonalEffects,AwningandMotorMoverinsuranceisunderwrittenbyBritSyndicate2987atLloyds.TheCaravan,Contents,PersonalEffects,AwningandMotorMoverinsuranceisadministeredbyCoast.YourCancellationRightsYouhavetherighttocancelyourpolicyatanytime;todosoyoumustletCoastknowusingthecontactdetailsabove.Anypotentialrefundwillbecalculatedasfollows:Forcancellationinstructionsreceivedwithin14daysofpolicypurchase,renewaloryoureceivingyourpolicydocuments,Wewill:• ProvideafullrefundifthePeriodofInsurancehasnotyetstarted.• RefundthepremiumfortheexactnumberofdaysleftinthecurrentPeriodofInsuranceifno
claimshavebeenmade.• NotrefundanypartofthepremiumifaclaimhasbeenmadeinthecurrentPeriodofInsurance.
Forcancellationinstructionsreceivedafterthe14dayperioddescribedabovehaspassed,Wewill:• RefundthepremiumfortheexactnumberofdaysleftinthecurrentPeriodofInsuranceifno
claimshavebeenmadeapplyingamid-termcancellationcharge.• NotrefundanypartofthepremiumifaclaimhasbeenmadeinthecurrentPeriodofInsurance.DataProtectionYoushouldunderstandthatanyinformationyouhaveprovidedwillbeprocessedbyUsincompliancewiththeprovisionsoftheDataProtectionAct1988,forthepurposesofprovidinginsuranceandhandlingclaimsorcomplaints,ifany,whichmaynecessitateprovidingsuchinformationtootherparties.
INDEXTOYOURPOLICY
Page
ComplaintsProcedure 1-2
ImportantNotice 3
Definitions 4-5
SectionA–Caravan,Contents,PersonalEffects,AwningandMotorMover 6-9
SectionB–LiabilitytothePublic 9
SectionC–LossofUseandHiringCharges 10
SectionD–PersonalAccidentBenefits 10
GeneralConditionsapplicabletothewholeInsurance 11-13
GeneralExclusionsapplicabletothewholeInsurance 14
HowtomakeaClaim 15
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COMPLAINTSPROCEDUREOuraimisalwaystogiveyouthehighestlevelofservicebutshouldyouatanytimebecomedissatisfiedpleaseseebelow.Coast’sCommitmenttoCustomerServiceCoastvaluetheopportunitytolookintoanyconcernsyoumayhavewiththeserviceprovidedandarecommittedtodealingwithallcomplaintsfairly,consistentlyandpromptly.WhotoContactintheFirstInstanceManyconcernscanberesolvedstraightaway,therefore,pleasegetintouchwithCoastastheywillgenerallybeabletoprovideyouwithanimmediateresponsetoyoursatisfaction.Coast’scontactdetailsareprovidedbelow:ComplianceManager,Coast,HelixHouse,HighStreet,Wadhurst,EastSussexTN56AA.Youcantelephoneon0800614849(freefromlandlinesandmobiles)ore-mail:info@coastinsurance.co.uk.Ifyourcomplaintcannotberesolvedstraightaway,orintheeventthatyouremaindissatisfiedyoucanreferthemattertoPolicyholderandMarketAssistanceatLloyd's.Thecontactdetailsare:PolicyholderandMarketAssistance,MarketServices,Lloyd’s,FidentiaHouse,WalterBurkeWay,ChathamMaritime,KentME44RN.Youcantelephoneon02073275693,facsimileon02073275225ore-mail:complaints@lloyds.com.TheFinancialOmbudsmanServiceIfLloyd’sareunabletoresolveyourcomplainttoyoursatisfactionwithineightweeks,orifyouremaindissatisfiedfollowingreceiptofCoast’sfinalresponseletter,youcanasktheFinancialOmbudsmanServicetoformallyreviewyourcase.Shouldyoudecidetodothis,youmustcontacttheFinancialOmbudsmanServicewithinsixmonthsofCoast’sfinalresponse.TheFinancialOmbudsmanServicecontactdetailsareasfollows:FinancialOmbudsmanService,ExchangeTower,HarbourExchangeSquare,LondonE149SR.Youcantelephoneforfreeon08000234567,ore-mail:complaint.info@financial-ombudsman.org.uk.WhilstWeandCoastareboundbythedecisionoftheFinancialOmbudsmanService,youarenot.Followingthecomplaintsproceduredoesnotaffectyourlegalrights.
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ComplaintProcedureLeafletAleafletcontainingfulldetailsofthecomplaintprocedurewillbeprovidedduringthecomplainthandlingprocessandisavailableonrequest.CompensationBritSyndicate2987atLloyd’siscoveredbytheFinancialServicesCompensationScheme(FSCS)whichmeansthatyoumaybeentitledtocompensationifWeareunabletomeetOurobligationstoyou.Furtherinformationisavailableatwww.fscs.org.ukorbycontactingtheFSCSdirectlyon08006781100.TelephoneCallRecordingForOurjointprotectiontelephonecallsmayberecordedand/ormonitored.
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TOURINGCARAVANINSURANCEPOLICY–IMPORTANTNOTICE
Thispolicyisanagreementbetweenyou(thepersonshowninyourscheduleastheInsured)andUs(BritSyndicate2987atLloyd’s).Youmustreadthispolicytogetherwithyourscheduleandanyspecificationsorendorsementsasonecontract.Pleasereadallofthemtomakesurethattheyprovidethecoveryouaskedfor.Iftheydonot,pleasecontactCoastassoonaspossible.Wewillinsureyouagainstloss,damageorlegalliabilitywhichmayoccurduringthePeriodofInsuranceinaccordancewiththeSectionsspecifiedintheschedulesubjecttotheexclusions,conditionsandendorsementsofthepolicyinreturnforpaymentbyyouofthePremium.InformationYouHaveGivenUsIndecidingtoacceptthispolicyandinsettingthetermsandpremium,WehavereliedontheinformationyouhavegivenUs.YoumusttakecarewhenansweringanyquestionsWeaskbyensuringthatallinformationprovidedisaccurateandcomplete.IfWeestablishthatyoudeliberatelyorrecklesslyprovidedUswithfalseormisleadinginformationWewilltreatthispolicyasifitneverexistedanddeclineallclaims.IfWeestablishthatyoucarelesslyprovidedUswithfalseormisleadinginformationitcouldadverselyaffectyourpolicyandanyclaim.Forexample,Wemay:• treatthispolicyasifithadneverexistedandrefusetopayallclaimsandreturnthepremium
paid.WewillonlydothisifWeprovidedyouwithinsurancecoverwhichWewouldnototherwisehaveoffered;
• amendthetermsofyourinsurance.Wemayapplytheseamendedtermsasiftheywerealreadyinplaceifaclaimhasbeenadverselyimpactedbyyourcarelessness;
• reducetheamountWepayonaclaimintheproportionthepremiumyouhavepaidbearstothepremiumWewouldhavechargedyou;or
• cancelyourpolicyinaccordancewiththerighttocancelconditionbelow.WeorCoastwillwritetoyouifWe:• intendtotreatyourpolicyasifitneverexisted;or• needtoamendthetermsofyourpolicy.IfyoubecomeawarethattheinformationyouhavegivenUsisinaccurate,youmustinformCoastassoonaspracticable.ChoiceofLawYourpolicyisgovernedbythelawthatappliestowhereyouresidewithintheUnitedKingdom.Ifthereisanydisagreementaboutwhichlawapplies,Englishlawwillapply.UseofLanguageUnlessotherwiseagreed,thecontractualtermsandconditionsandotherinformationrelatingtothiscontractwillbeinEnglish.
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DEFINITIONSCertainwordshavespecificmeaningswheretheyappearinthisdocument.Thesemeaningsareshownbeloworinthesectionwheretheyapply.Theyareprintedinboldtype:
Awning TheAwningstatedintheschedule.
Caravan AnyCaravan,foldingcamperorfoldingtrailertentwhichisdescribedinthescheduleorasubsequentendorsementincludingitsfixtures,fittingsandequipmentincludingrefrigerators,gasbottles,steps,batteries,stabilisers,wheelclamps,generatorsandthelikebutexcludingAwningsorMotorMoverandwhichisthesolepropertyoftheInsured.
CaSSOAGold AstoragesitethathasacurrentaccreditationofCaSSOAGOLDwiththeCaravanStorageSiteOwners’Association.
ContentsandPersonalEffects
Articlesforpersonaluseoradornment,clothing,luggageandgeneralhouseholdgoods,includingportabletelevisionsetswhilstcontainedwithintheCaravanandbelongingtotheInsuredortheInsured’sFamily.YourSumInsuredshouldrepresentthecostofthereplacementitemsatthetimeofloss.
Insured Thepersonnamedintheschedule.
Insured’sFamily Thepersonyouaremarriedtoorlivewithasifyouweremarried,childrenandanyotherpersonwhopermanentlyliveswithyou,anymemberofyourfamilyorotherfriendoccupyingtheCaravanwithyourpermission,butexcludinganylodgers,payingguests,oranypersonoccupyingtheCaravanforthepurposesofcommercialgain.
MotorMover TheMotorMoverstatedintheschedule.
PeriodofInsurance TheperiodstatedinthescheduleforwhichWeagreetoacceptandyouhavepaidoragreedtopaythePremium.
Premium TheamountshowninthescheduleasthetotalPremium.
SumInsured TheSumInsuredasshownontheschedule.
TerritorialLimits GreatBritain(incNorthernIrelandandtheIsleofMan)andupto300daysinanyonePeriodofInsuranceinContinentalEurope.CoverisrestrictedtothememberstatesoftheEuropeanUnion,Andorra,Gibraltar,Iceland,Liechtenstein,Monaco,Norway,SanMarino,SwitzerlandandTurkey.
ForyourinformationmemberstatesoftheEuropeanUnionasatJanuary2017are:Austria,Belgium,Bulgaria,Croatia,Cyprus,CzechRepublic,Denmark,Estonia,Finland,France,Germany,Greece,Hungary,Ireland,Italy,Latvia,Lithuania,Luxembourg,Malta,Netherlands,Poland,Portugal,Romania,Slovakia,Slovenia,Spain,SwedenandtheUnitedKingdom.
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TypeofCover MarketValue–yourchosenSumInsuredshouldrepresenttheamountanequivalentCaravan(make,model,yearofmanufacture)wouldcostatthetimeoftheloss.Thisissubjecttothelossordamageoccurringwithin25yearsfrompurchasenew.
NewforOld–yourchosenSumInsuredmustbesufficienttobuyabrandnewequivalentCaravanatthetimeoftheloss.Thisissubjecttothelossordamageoccurringwithin15yearsfrompurchasenew.
We/Us/Our BritSyndicate2987atLloyd’s.
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SECTIONA–CARAVAN,CONTENTS,PERSONALEFFECTS,AWNINGANDMOTORMOVERTheUnderwriterswillpayforlossordamagecausedbyAccidentalDamage,Fire,Theft,Vandalism,StormorFloodwithintheTerritorialLimitsduringthePeriodofInsurance.(A)i. totheCaravanandfollowingsuch
damageforthereasonablecostof:1. protectionandremovaltothe
nearestrepairers2.
a. deliveryafterrepairtotheInsuredwithinGreatBritain;or
b. deliveryafterrepairtotheriskaddress,wheretheriskaddressshownontheschedulestatesthattheCaravanisusuallystoredorsitedonthemainlandofEurope
3. thedisconnectionandre-connectionofserviceswhentheCaravanisremovedforrepair,wheretheCaravanisconnectedtoservices
ii. totheContentsandPersonalEffects
a. TheUnderwriterswillpaytotheInsuredthevalueofthepropertyatthetimeoflossordestructionorshallattheiroptionrepair,reinstateorreplacesuchpropertyoranypartofitprovidedthatthetotalliabilityoftheUnderwritersshallnotexceed£500,inrespectofanyonearticle,unlessspecifiedinthescheduleandintotaltheSumInsured
b. IntheeventofanyoftheContentsandPersonalEffects,exceptforhouseholdlinenand/orclothing,beinglostordamagedbeyondeconomicrepairwithinoneyearofpurchaseasnewand
providedtheSumInsuredrepresentsthefullreplacementasnew,atthetimeoflossordamage,theUnderwriterswillpayforthereplacementofsuchpropertyasnewatthetimeofthelossordamageprovidedthatthereplacementarticleissubstantiallythesameasbutnotbetterthantheoriginalarticleasnew.Nodeductionwillbemadeforwearandtear.
Inallinstances(A)i,(A)iiand(A)iiia. theUnderwriterswillnotpayforthe
costofreplacingorrepairinganyundamagedpartsoftheCaravanand/orContentsandPersonalEffectswhichformpartofapair,set,orsuiteorpartofacommondesignorfunctionwhenthedamageisrestrictedtoaclearlydefinableareaortoaspecificpart
b. anyavailablediscountwillbetakenintoaccountinthesettlementamount
c. thetotalliabilityoftheUnderwritersshallnotexceedthetotalvalueofsuchpropertywhenpurchasednew
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AWNINGANDMOTORMOVERCOVERONLYAPPLIESIFYOUHAVECHOSENTOCOVERTHESEITEMSANDTHEYARESPECIFIEDONYOURSCHEDULE(A)iitotheAwning(subjecttothelimitofindemnityof£3,000)IntheeventoftheAwningbeinglostordamagedbeyondeconomicrepairwithin15yearsfromthedateofpurchaseasnew,theUnderwriterswillreplacetheAwningwithanewoneofthesamemanufactureandmodel.Anyavailablediscountwillbetakenintoaccountinthesettlement.(A)iiitotheMotorMover(subjecttotheSumInsuredspecifiedontheschedule)Anydamageresultingfrommechanicalfailureorbreakdownwillnotbecovered.EXTENSIONSTOSECTIONAa. TheSumInsuredwillnotbereducedby
aclaimpaymentexceptintheeventoftheCaravanbeingstolenortotallydestroyed.AnewschedulewillberequiredforanyreplacementCaravan
b. Intheeventofaclaimbeingmetunderthisinsurancetotallinginexcessof£500,theannualsubscriptionformembershipoftheInsured’scaravanclubfortheyearcoveringthedateoftheclaimwillbepaid.Thispaymentwillberestrictedtooneclubonlyandpayableonproductionofareceiptormembershipcard.Thelimitofindemnityunderthisextensionis£50
c. IntheeventoftheInsuredoramemberoftheInsured’sFamilybeingunabletodriveduetoillnessoraccidentwhenawayonabookedholidayintheCaravanandnoothermemberofthepartyontheholidaybeingabletodriveorhavingtoweda
Caravanbefore,theUnderwriterswillpaythereasonablecostsofreturningtheCaravantotheCaravanstorageaddressoftheInsured.Thelimitofindemnityunderthissectionis£1,000.
EXCEPTIONSTOSECTIONATheUnderwriterswillnotpayfor:1. lossordamagetomoneyofanykind,
creditorchargecardsorbusinessbooksordocumentsofanykind
2. lossofordamagetowatches,jewellery,furs,andarticlesofgold,silverorotherpreciousmetalscontactlenses,spectacles,itemsofsportsequipmentvalued£50orover,photographicequipment,binoculars,camcorders,mobiletelephones,computerhardwareorsoftware,motordrivenvehiclesofanykindortheiraccessories,pedalcyclesorwaterbornecraftofanydescription
3. depreciation,deterioration,manufacturingdefects,wearandtear,damagebymoth,vermin,mildew,rot,waterleakageoranygraduallyoperatingprocess
4. mechanicalorelectricalbreakdownorfailure
5. damagetotyresunlesscausedbyanaccidenttotheCaravanorvandalism
6. theftfromtheCaravanunlessforcibleorviolentmeansareusedtogainentry
7. theftoraccidentallossfromAwningsortoilettentsexceptforoutsidefurniturewhentheCaravanisinuse,subjecttoanoveralllimitof£500
8. thefirst£50ofeachandeveryclaimoroccurrenceexceptintheeventofdamagesolelytowindows,wherenoexcessispayable
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9. lossordamageincircumstanceswhereaclaimfordamageresultsintheCaravanneedingnewpartsoraccessorieswhicharefoundtobeobsoleteorunobtainable.TheUnderwriters’liabilitywillbelimitedtothelastknownlistpriceofthepartoraccessoryrequired,togetherwiththeappropriatefittingcharge
10. anytheftorlossarisingfromdeception,financialloss,ortheuseofstolen,forgedorinvalidcheques,drafts,banknotesandthelike
11. lossordamagebytheftorattemptedtheftoftheCaravanwhilstunattendedinexcessoftwohoursunless:a. forsingleaxleCaravans–awheel
clampandahitchlockarefitted;or
b. fortwinaxleCaravans–twowheelclampsandahitchlockarefitted,orawheelclampandhitchlockarefittedandaburglaralarmortrackerisinoperation;or
c. forfoldingcampersortrailertents–theyarecontainedinalockedgarage/buildingattheInsured’shomeaddress;or
d. whilstthecaravaniskeptinstorageataCaSSOAGoldstoragesitetheCaravanisnotrequiredtohaveahitchlockand/orwheelclamp(s)attachedtoit.Atallothertimesourminimumsecurityrequirementofahitchlockandwheelclamp(s)apply;
e. ofanyitemleftinanunlockedCaravan
Alltheitemsina.andb.mustbeofproprietarymanufacture.ImportantNote:ifyouhavetoldCoastyouhaveanalarmoratracker,theymustalsobeactivatedwhenleavingyourCaravanunattendedinexcessoftwohours.
12. anylossordamagewhilsttheCaravanisletforhireorrewardotherthanwhenonafixedsite
13. lossordamagetotheAwningwhenerectedandattachedtotheCaravanwhentheCaravanisleftunoccupiedfor7daysormore
BASISOFCLAIMSSETTLEMENTSECTIONA(A)iCaravana. MarketValue–TheUnderwriterwill
decidewhethertorepairorreplacetheCaravanandContentsandPersonalEffects.Ifitcannotberepairedorreplacedorisbeyondeconomicrepair,theywillpaythemarketvalueatthetimeofthelossordamage,butnotmorethantheSumInsuredstatedonyourpolicyschedule,orsinglearticlelimit,whicheverislower.TheUnderwriterwillnotbeliableforthatpartoranyrepairorreplacementwhichimprovestheCaravanoritsequipmentbeyondtheconditionbeforethelossordamageoccurred
b. NewforOld-theUnderwriterwilldecidewhethertorepairorreplacetheCaravanandanyitemsofcontentsandpersonaleffectsthatarelostordamaged.Ifitcannotberepairedorisbeyondeconomicrepairtheywillreplaceitwithanewone,ofthesamemakeandmodelornearestequivalent,providedtheSumInsuredasstatedonyourpolicyschedulerepresentsthecostofabrandnewequivalent,orsinglearticlelimitstatedinyourpolicydocument,whicheverislower.Anyavailablediscountwillbetakenintoaccountinthesettlement
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EXTENSIONTOSECTION(A)iIntheeventofaclaimbeingsettledunderthetermsofthisinsurancefortherepairofanydamagedwindowsoftheCaravananynoclaimdiscountattachingtothepolicywillnotbeaffected.(A)iiContentsandPersonalEffectsTheUnderwriterwillpaytotheInsuredthevalueofthepropertyatthetimeofitslossordestructionorshallatitsoptionrepair,reinstateorreplacesuchpropertyoranypartofitprovidedthatthetotalliabilityoftheUnderwritershereundershallnotexceed£500,inrespectofanyonearticle,unlessspecifiedinthescheduleandintotaltheSumInsuredSECTIONB–LIABILITYTOTHEPUBLICAllthesumswhichtheInsuredshallbecomelegallyliabletopayasdamagesinrespectof:i. accidentaldeathoforbodilyinjuryto
anypersonotherthantheInsuredoranyemployeeormemberoftheInsured’sFamily
ii. accidentallossofordamagetopropertynotbelongingtoorinthecustodyoftheInsuredoranyemployeeormemberoftheInsured’sFamilyarisingfromuseoftheCaravan
ThelimitoftheUnderwriters’liabilityinrespectofallclaimsarisingfromonecauseis£2millionpluslegalcostsrecoverablebyaclaimant,andcostsandexpensesincurredwiththeUnderwriters’writtenconsent.IntheeventofthedeathoftheInsuredhis/herlegalpersonalrepresentativeswillbeindemnifiedinrespectofanyaccidentcoveredbythissectionandoccurringduringthePeriodofInsurance.
Forthepurposesofthissectiontheexpression“TheInsured”willbedeemedtoincludeanypersonsusingtheCaravanwiththeconsentoftheInsuredotherthanwhilstletforreward.EXCEPTIONSTOSECTIONBThissectiondoesnotindemnifytheInsuredagainstanyliability:a. arisingwhiletheCaravanisattachedto
amechanicallypropelledvehicleb. resultingfromanaccidentcausedby
theCaravanorpartthereofbecomingdetachedfromanytowingvehicle
c. thatarisesinconnectionwithanyvehiclebeingusedforthetransportationoftheCaravan
d. forthedeathorinjuryofanypersonarisingoutoforinthecourseoftheiremploymentbytheInsured
e. arisingoutoftheuseofanymechanicallypropelledvehicle/watercraft
f. ifsuchliabilityattachesbyvirtueofanagreementbutwhichwouldnothaveattachedintheabsenceofsuchagreement
g. arisingoutofthepollutionofair,waterorsoilunlessitcanbeprovedtohavebeencausedbyimmediatedischargeconsequentuponanaccident
h. ofwhatsoevernaturearisingoutoforconnectedwithorincidentaltoanyprofession,occupation,businessorcommercialventure
i. arisingdirectlyorindirectlyoutofthetransmissionofanycommunicablediseaseorconditionbyanypersoninsuredhereunder
j. arisingoutoftheownershiporpossessionofanyanimalotherthancats,dogsorhorses,exceptanydogthatisdesignateddangerousundertheDangerousDogsAct1991
k. occurringwherethelossisalsocoveredunderanotherinsurance
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SECTIONC–LOSSOFUSEANDHIRINGCHARGESIftheCaravanisrendereduninhabitablebylossordamageforwhichaclaimispayableunderSectionA,theUnderwriterswillpay:a. thenecessarycostincurredfor
alternativeaccommodationorthehireofasimilarCaravanbutonlyifthelossordamageoccursafterholidayarrangementshavebeenmadeorwhiletheCaravanisbeingusedforholidaypurposes,or
b. forthelossofhiringchargesforbookingsacceptedpriortothelossordamagebutonlyifarecordhasbeenmaintainedofallhiring,agreedhiringchargesanddepositspaid
Theamountpayableunderthissectionshallnotexceed£50perdayforamaximumof30days.SECTIOND–PERSONALACCIDENTBENEFITSBenefits:1. Death-£20,0002. Lossofuseofoneormorelimbsor
totallossofsightinoneorbotheyes-£20,000
3. Permanenttotaldisablementfromanyoccupation-£20,000
Themaximumagelimitinrespectofthiscoveris70andbenefitisreducedto£500forpersonsundertheageof16.
InsuredPerson:TheInsuredandanymemberoftheInsured’sFamilypermanentlyresidingwithhim/herwhilst:1. withintheCaravanorprivatemotor
vehicletowingtheCaravan2. loading,unloading,hitching,unhitching
ordirectlyworkingupontheCaravan3. sustainedduringthePeriodof
InsurancewhileintheCaravanorwithintheboundariesofalegitimatesiteinwhichtheCaravanissited
Definitions:Disablementmeansinabilitytoengageintheusualoccupationandnotengaginginanypaidoccupation.Provisions:Therewillbenoliabilityfordeath,lossordisablementoccurringmorethan12monthsafterthebodilyinjuryhasbeensustained.Benefitshallnotbepayableundermorethanoneoftheitems(1-3)inconnectionwiththesamebodilyinjury.Item3willonlybecomepayableafterincapacityhaslastedfor52weeks.EXCEPTIONS–SECTIONDNobenefitshallbepayableforaneventcauseddirectlyorindirectly:a. bynarcoticordrugunlesstakenas
prescribedbyaregisteredMedicalPractitioner
b. bytheInsuredparticipatinginracingc. bytheInsuredparticipatingina
criminalactd. arisingfromtheuseofpowerdriven
woodormetalworkingmachineryexceptportabletoolsappliedbyhand
e. bypregnancyorchildbirthf. bysicknessordiseasenotresulting
frombodilyinjuryg. byself-inflictedinjury
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GENERALCONDITIONS(ApplicabletothewholeInsurance)1. Youmustdoallyoucantoprevent
andreduceanycosts,damage,injuryorloss.
2. YoumusttellCoastaboutanyloss,damageorliabilityassoonaspossibleandprovidealltherelevantinformationandhelpthatisneededtodealwithyourclaim.YoumustavoiddiscussingliabilitywithanyoneelsewithoutOurpermission.
3. Itisyourresponsibilitytoproveanylossandthereforeyoumaybeaskedtoprovidereceipts,valuations,photographs,instructionbookletsandguaranteecardsandanyotherrelevantinformation,documentsandassistancerequiredtohelpwithyourclaim.
4. Coastwilldecidehowtosettleordefendaclaimandmaycarryoutproceedingsinthenameofanypersoncoveredbyyourpolicy,includingproceedingsforrecoveringanyclaim.
5. Youmustreportanyloss,theft,attemptedtheftormaliciousdamagetothePoliceandobtainacrimereferencenumberwithin7daysofdiscoveryoftheincident.
6. IfyourclaimisinanywaydishonestorexaggeratedWewillnotpayanybenefitunderthispolicyorreturnanyPremiumtoyouandWemaycancelyourpolicyimmediatelyandbackdatethecancellationtothedateofthefraudulentclaim.Wemayalsotakelegalactionagainstyou.
7. Ifanyclaimiscoveredbyanyotherinsurance,Wewillnotpayformorethanourshareofthatclaim.
8. Youmusttakereasonablecareto
providecompleteandaccurateanswerstothequestionsCoastasks.
9. IfanyoftheinformationprovidedbyyouchangesafteryoupurchaseyourpolicyandduringthePeriodofInsurance,oronyourscheduleatrenewal,orbecomesuntrueorincorrect,pleaseprovideCoastwithupdateddetails.
10. Ifanyoftheinformationprovidedbyyouisnotcompleteandaccurate:a) We/Coastmaycancelyour
policyandrefusetopayanyclaim,or
b) We/Coastmaynotpayanyclaiminfull,or
c) We/CoastmayrevisethePremiumand/orchangeanyexcess,or
d) theextentofthecovermaybeaffected.
Thechanges,ifacceptedbyUswillapplyfromthedateindicatedonyourupdatedschedule.Inthiscase,WewillbeentitledtovarythePremiumandtermsfortherestofthePeriodofInsurance.
11. Coastrecommendthatyoukeeparecord(includingcopiesofletters)ofallinformationprovidedtoUs/Coastforyourfuturereference.
12. IfyouarepayingthePremiumusingamonthlycreditfacility,youmustmaketheregularmonthlypaymentsasrequiredinthecreditagreement.Ifthecreditagreementisterminatedfornon-payment,WemaycancelthisinsuranceassetoutinGeneralCondition17.
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13. Coastwillcontactyouinwritingatleast21daysbeforeyourrenewaldateandwilleither:
a) giveyouanopportunitytorenewyourinsuranceforafurtheryearand:
i. tellyouaboutanychangesWearemakingtothetermsandconditionsofyourpolicy;
ii. reviewyourcircumstancesandconsiderwhetherthisinsurancecontinuestomeetyourneeds;
iii. checkthattheinformationyouhaveprovidedUsisstillcorrect,andprovidetheopportunityforyoutotellUsifanythinghaschanged
iv. tellyouthepriceforthenextyear
Ifyouwishtomakeanychangesatrenewal,pleasecontactCoast.
ORb) letyouknowthatWeareunable
torenewyourinsurance.Reasonswhythismayhappeninclude,butarenotlimitedtothefollowing:
i. whentheproductisnolongeravailable;or
ii. whenWearenolongerpreparedtoofferyouinsuranceforreasonssuchas:
• Wereasonablysuspectfraud,
• yourclaimshistory,• WehavechangedOur
acceptancecriteria,• Youarenolongereligiblefor
cover,and/or
• whereyouhavenottakenreasonablecaretoprovidecompleteandaccurateanswerstothequestionsasked.Seethe“ImportantNotice–InformationYouHaveGivenUs”sectionwithinthisdocument.SeeGeneralCondition10.
WhereWehaveofferedyourenewaltermsandyouselectorhaveselectedtopaybydirectdebit,youwillbenotifiedbeforeyourrenewaldatethatthepolicywillautomaticallyberenewedandtherenewalPremiumwillagainbecollectedfromyourspecifiedbankaccount.Coastwillnotautomaticallyrenewyourpolicyif:• youhavecontactedthemto
cancelyourdirectdebitarrangementssinceyoupurchasedthepolicyoryourlastrenewal;or
• theycannolongerofferyoutheirdirectdebitfacilityif,forexample,youhaveapoorpaymenthistoryoradversecredithistory.
IfeitheroftheabovehappensCoastwilladviseyouofthisinyourrenewalletterandyouwillneedtocontactCoasttomakepaymentbeforethepolicycanberenewed.
14. Acoolingoffperiod(14daysfromtherenewalofthecontractorthedateonwhichyoureceiveyourrenewaldocumentation,whicheveristhelater)applies.Pleaseread“yourcancellationrights”inthispolicybooklet.
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15. Wemayvarythetermsofthepolicy(includingthePremium)atrenewal.IfyoudecidethatyoudonotwantUstorenewthepolicy,aslongasyoutellCoastbeforethenextrenewaldate,Wewillnotrenewit.Ourrighttorenewthispolicydoesnotaffectyourcancellationrightsshownonthefirstpageofthispolicybooklet.
16. Followingtheexpiryofyour14daystatutorycooling-offperiod,youcontinuetohavetherighttocancelyourpolicyatanytimeduringitsterm.Ifyoudoso,youwillbeentitledtoarefundifnoclaimhasbeenmadeduringthePeriodofInsuranceofthepremiumpaidinrespectofthecancelledcover,lessaproportionatedeductionforthetimeWehaveprovidedcover.Amid-termcancellationfeewillapply.Toexerciseyourrighttocancel,pleasecontact:Coast,HelixHouse,HighStreet,Wadhurst,EastSussex,TN56AA.Telephone:0800614849oremail:info@coastinsurance.co.uk.
17. We(oranyagentWeappointandwhoactswithOurspecificauthority)maycancelthispolicywherethereisavalidreasonfordoingso,bysendingatleast14days’writtennoticetoyourlastknownpostand/oremailaddresssettingoutthereasonforcancellation.Validreasonsincludebutarenotlimitedtothefollowing:• Non-paymentofPremium
(includingnon-paymentofinstalmentsunderacreditfacility).IfPremiumsorinstalmentpayment(s)arenotpaidwhendue,Coastwillwritetoyourequestingpaymentbyaspecificdate.Iftheyreceivepaymentbythedatesetoutintheletternofurtheractionwill
betaken.Iftheydonotreceivepaymentbythisdatethepolicywillbecancelledfromthecancellationdateshownontheletter.
• WhereWereasonablysuspectfraud.
• Whereyoufailtoco-operatewithUsorCoastorprovideinformationordocumentationreasonablyrequired,andthisaffectsourabilitytoprocessaclaimordefendourinterests.SeeGeneralCondition8inthispolicybooklet.
• Whereyouhavenottakenreasonablecaretoprovidecompleteandaccurateanswerstothequestionsasked.SeeGeneralCondition10.
IfWecancelthepolicyunderthissection,youwillbeentitledtoarefundofthePremiumpaidinrespectofthecancelledcover,lessaproportionatedeductionforthetimeWehaveprovidedsuchcoverandamid-termcancellationfee.Norefundwillbepayableifthereasonforcancellationisfraudand/orWearelegallyentitledtokeepthePremiumundertheConsumerInsurance(DisclosureandRepresentations)Act2012.Whereinvestigationsprovideevidenceoffraudoraseriousnon-disclosureWemaycancelthepolicyimmediatelyandbackdatethecancellationtothedateofthefraudorwhenyouprovidedUswithincompleteorinaccurateinformation,whichmayresultinyourpolicybeingcancelledfromthedateyouoriginallytookitout.
14
GENERALEXCLUSIONS(ApplicabletothewholeInsurance)Theseapplytoallsectionsofthepolicy.Thepolicydoesnotinclude:
1. Anyliabilityarisingoranylossor
damagethatoccurswhiletheCaravanisbeingusedotherthanforsocial,domesticandpleasurepurposes
2. Anyliabilitywhichattachesbecauseofanyagreementbutwhichwouldnothaveattachedintheabsenceofthatagreement
3. LossofusewiththeexceptionofcoverprovidedbySectionC
4. Anyreductioninvalue5. Indirectlossofanykind6. Anyaccidentorincidentthathappens
outsideanyPeriodofInsurancethatiscoveredbythispolicy
7. Lossordamagetoanyitemsusedinconnectionwithanybusiness,tradeorprofession
8. Anylegalliabilityresultingfromanybusiness,tradeorprofession
9. Anyclaimresultingfrom:• deliberateorcriminalactsbythe
InsuredortheInsured’sFamilyoranyhirer,occupantoruseroftheCaravan
• riotandcivilcommotion• gradualcausesincluding
deteriorationorwearandtear• mildew,fungus,climaticor
atmosphericconditions,frost,wetordryrot
• anyprocessofcleaning,repairoralteration
• vermin,insectsorchewing,scratching,tearingorfoulingbypets
• electricalormechanicalfailureorbreakdown
• faultydesignmaterialsorworkmanship
• thefailureofacomputerchiporcomputersoftwaretorecogniseatruecalendardate
• computerviruses• ionisingradiation,radioactivity,
nuclearfuel,nuclearwasteorequipment
• war,revolutionoranysimilarevent
• pollutionorcontaminationwhichwas:o theresultofadeliberateacto expectedandnottheresult
ofasudden,unexpectedandidentifiableincident
10. Anyclaimarisingdirectlyorindirectlyfromanactofterrorism.Terrorismisdefinedasanyactoractsincluding,butnotlimitedto:• theuseorthreatofforceand/or
violenceand/or• harmordamagetolifeorto
property(orthethreatofsuchharmordamage)including,butnotlimitedto,harmordamagebynuclearand/or
• chemicaland/orbiologicaland/or• radiologicalmeans
causedoroccasionedbyanyperson(s)orgroup(s)ofpersonsinwholeorinpartforpolitical,religious,ideologicalorsimilarpurposesincluding,butnotlimitedto,theintentiontoinfluenceanygovernmentand/ortoputthepublicoranysectionofthepublicinfear,orisclaimedtobecausedoroccasionedinwholeorinpartforsuchpurposes
11. AnyclaimorlossordamageoccurringwhilsttheCaravanisbeingusedforanyunlawfulpurpose
12. AnyclaimorlossordamagemoreproperlycoveredunderanyRoadTrafficActorothercompulsoryinsurance
15
HOWTOMAKEACLAIMToreportaclaim,pleasetelephoneCoaston01892786099.Linesareopen24hoursaday,7daysaweek.Theywilltakefulldetailsofyourclaimoverthetelephone.Pleasehaveyourindividualreferencenumberavailable.Onceyourclaimhasbeensetup,pleaseforwardanyestimates,invoices,valuations,orothersupportingdocumentationtoCoastassoonaspossible.Theiraddressis:HelixHouseHighStreetWadhurstEastSussexTN56AAPleasequoteyourindividualreferencenumberonallcorrespondence..
NOTES
NOTES
NOTES
CoastCoastisatradingnameofParkHomeInsuranceServicesLtd.
RegisteredOffice:HelixHouse,HighStreet,Wadhurst,EastSussex,TN56AA.RegisteredinEnglandandWalesnumber2979679.
ParkHomeInsuranceServicesLtdisauthorisedandregulatedbytheFinancialConductAuthority.OurFCAregisternumberis306716.
Ourpermittedbusinessissellingandadministeringcontractsofgeneralinsurance.
Underwrittenby:BritSyndicate2987atLloyd’s
BritSyndicate2987atLloyd’sismanagedbyBritSyndicatesLimitedwhichisauthorisedbythePrudentialRegulationAuthorityandregulatedbytheFinancialConductAuthority.
Registrationnumber204930.
Communicationsmaybemonitoredorrecordedtoimproveourserviceandforsecuritypurposes.
lixHouse,HighStreet,Wadhurst,EastSussex
TN56AA
Tel:0800614849–Fax:01892784863Email:info@coastinsurance.co.uk
www.coastinsurance.co.uk
HelixHouse,HighStreet,Wadhurst,EastSussex
TN56AA
Tel:0800614849–Fax:01892784863Email:info@coastinsurance.co.uk
www.coastinsurance.co.uk
CoastisatradingnameofParkHomeInsuranceServicesLimited,whichisauthorisedandregulatedbytheFinancialConductAuthority
(FCARegisterNumber306716).ThecompanyisregisteredinEnglandandWales(CompanyNumber2979679).
TouringPolicy–Jan2017