Caravan Insurance - Terms of Business
The Lifestyle Caravan contract is based on the information provided on the proposal form
If excesses apply, they will be itemised on your policy schedule.
Making a claim
In the event of a claim, Telephone MIS Claims on 0845 491 1111 and provide the following information:
- The nature of the emergency.
- Your name and address including your postcode.
- Your policy number from the insurance schedule.
How to cancel a policy
The policy will continue for the period specified in the policy schedule. You have certain rights to cancel the policy.
If this policy does not provide the cover you need or you wish to cancel for any other reason, you should contact Lifestyle Insurances Northern Ireland on 0845 491 1111.
You will have a period of 14 days (28 days following automatic renewal) from the inception of the policy to cancel the policy and receive a full refund provided a claim has not been made.
Beyond this period, you will be entitled to cancel this policy but no refund will be provided to you.
If you change caravan
You are responsible for informing Lifestyle Insurances Northern Ireland of a change of caravan so that cover can be transferred to your new property.
How do I renew?
Lifestyle Insurances Northern Ireland will contact you in writing before your policy expires to arrange the renewal of your policy. At the same time we will review your premium and advise you of the renewal amount. We reserve the right to adjust your premium to reflect any changes in the rate of tax applicable to it. Lifestyle Insurances Northern Ireland reserves the right to refuse renewal of any individual policy and we will inform you before your policy expires, if we chose to do so.
It is our intention to give you the best possible service but if you do have any questions or complaints please contact us immediately. If there is a disagreement between us which we cannot resolve to your satisfaction you can refer the complaint to the Financial Ombudsman Services (FOS) who, once contacted, will liaise with us on your behalf. The FOS will then inform you directly of its decision. Referral to the FOS will not prejudice your rights to take subsequent Legal Proceedings. The FOS are located at:
South Quay Plaza,
183 Marsh Wall,
Telephone: 0845 080 1800
Your Contract with the Insurer
You must co-operate with the insurer in obtaining reimbursement
Ageas Insurance Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme, if they cannot meet their obligations. This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 90% of the claim with no upper limit. You can get more information about compensation scheme arrangements from the FSCS or visit http://www.fscs.org.uk
Please note that any information provided to Us will be processed by Us and our agents in compliance with the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties. We may also send the information in confidence for process to other companies acting on their instructions including those located outside the European Economic Area this may involve the transfer of your information to countries which do not have Data Protection laws.
Any personal information provided by You may be held by the insurer in relation to Your insurance cover. It may be used by Our relevant staff in making a decision concerning Your insurance and for the purpose of servicing Your cover and administrating claims. Information may be passed to loss adjusters , solicitors, reinsurers or other service providers for these purposes. We may obtain information about You from credit reference agencies, fraud prevention agencies and others to check Your credit status and identity. The agencies will record our enquiries, which may be seen by other companies who make their own credit enquiries. We will check Your details with fraud prevention agencies. If You provide false or inaccurate information and we suspect fraud, We will record this. We and other organisations may use these records to:
- Help make decisions on insurance claims, for You and members of Your household.
- Trace debtors, recover debt, prevent fraud, and manage Your insurance policies.
- Check your identity to prevent money laundering unless You furnish us with satisfactory proof of identity.
This may involve the transfer of Your information to countries which do not have Data protection laws.
Under Data Protection legislation, you can ask us in writing for a copy of certain personal records held about you. A charge will be made for this service.
- supply accurate and complete answers to all the questions we or the administrator may ask as part of your application for cover under the policy;
- to make sure that all information supplied as part of your application for cover is true and correct.
- tell us of any changes to the answers you have given as soon as possible.
Failure to provide answers in-line with the requirements of the Act may mean that Your policy is invalid and that it does not operate in the event of a claim.