Static Caravan Insurance - Policy Summary

About this document

Please read this document carefully, this provides a summary of cover. It does not show all of the benefits, exclusions or limits. Please refer to your policy booklet and policy schedule for full details of all terms, conditions and endorsements or exclusions and excesses that may apply.


Insurer


Your Lifestyle touring caravan insurance is arranged by Motorists Insurance Services Ltd with UK General Insurance Limited on behalf of Ageas Insurance Limited.

They are registered in England No.354568. Registered Office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, S053 3YA.

UK General Insurance Limited and Motorists Insurance Services ltd are authorised and regulated by the Financial Conduct Authority.

Ageas Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority

This can be checked on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk

Please take time to read the contents of this policy including how to make a claim.

The proposal or statement of facts and declaration made and signed by You is the basis of and shall form part of this contract.


We will provide insurance within the terms and conditions of this policy for those Sections shown in the Policy Schedule against loss, damage, accident or liability occurring during any Period of Cover for which You have paid or agreed to pay and We have accepted the premium.


Type of insurance: Caravan


Period of cover: 12 months

Caravan & Caravan Contents (Section 1)

Summary of what is covered


Caravan

The caravan including:


  • Standard manufacturers fixtures and fittings

Loss or damage by the following Causes

  • Accidental damage, fire, explosion, lightning, earthquake, theft, malicious acts or vandalism, storm or flood.

Additional Cover (Extra benefits included as standard)

  • Additional cost of removing the caravan to nearest repairer and returning it to its usual storage address, as shown on your policy schedule

  • Alternative accommodation for up to 15 days in any one period of cover if the caravan becomes uninhabitable as a result of loss or damage whilst on holiday or touring. Maximum £75 per day.
  • If the caravan is less than 5 years from new or was less than 2 years from new at inception of this policy we will replace it without deduction of wear and tear.
  • Cover extends to include use on the Continent of Europe including the journey by recognised sea routes for up to 90 days in any one period of cover (optional extension available)

Summary of what is NOT covered

Your policy will not pay:


  • while the caravan is being used as a permanent residence or for any trade, business or profession;
  • in the event of theft unless a hitch lock and wheel clamping device is fitted when the caravan is detached from the towing vehicle
  • cover for theft of the caravan or of any unfixed Items within the caravan is excluded if the caravan is left unattended in a lay-by or any informal parking area.

Caravan Contents


The replacement of your contents of the caravan up to the sum insured shown on your policy schedule

Loss or damage by the following Causes Accidental damage, fire, explosion, lightning, earthquake, theft, malicious acts or vandalism, storm or flood.

Summary of what is NOT covered

  • any item of caravan contents over £250
  • valuables, personal money, credit cards, collections, works of art;
  • to caravan contents whilst not in the caravan
  • by theft any item of contents whilst in the caravan unless the caravan is securely locked and all windows are tightly closed and locked where possible
  • -theft of caravan contents unless there is evidence of forcible and violent entry or exit from the caravan.

Excess


The following excesses are payable. Please refer to your policy schedule for full details of the excesses that apply to your policy.

Caravan & Caravan Contents (Section 1) – all claims £100 with the option to increase to £150, £200 or £250

Liabilities (Section 2)

Summary of what is covered

We will indemnify you or your family against all sums which you become legally liable to pay as damages for:

  1. accidental bodily injury (including death or disease) to any person occurring during the period of cover from any accident involving the caravan
  2. accidental loss or damage to property occurring during the period of cover from any accident involving the caravan.

Summary of what is NOT covered

  • liability arising from:
    1. any trade, business or profession;
    2. any wilful or malicious acts by you or your family;
    3. the caravan while attached by any means to a vehicle;
    4. any action brought against you or your family in any court outside the European Economic Community;
  • liability for loss or damage to property belonging to you or your family or held in trust by you or in your custody or control;
  • liability which is insured by or would but for the existence of this section be insured by another policy;
  • accidental bodily injury (including death or disease) to you or your family;
  • liability created by any agreement, unless you would have been liable without the agreement
  • any amount exceeding the limit of indemnity as stated in policy schedule

Further Information

Making a Claim


If you need to make a claim simply contact our claims helpline for immediate assistance and advice. The claims helpline operates 9 am to 5 pm Monday to Friday on: 028 90 410220


Alternatively you can E-mail: claims@misclaims.com


Rights of Cancellation


If you decide that for any reason, this policy does not meet your insurance needs then please return it to your agent within 14 days from the day of purchase or the day on which you receive your policy documentation

whichever is the later. On the condition that no claims have been made or are pending, your agent will then refund your premium in full. If you wish to cancel your policy after 14 days you will be entitled to a pro- rata return of premium providing no claims have been made or are pending. We shall not be bound to accept renewal of any insurance and may at any time cancel any insurance document by giving 14 days notice in writing where there is a valid reason for doing so. A cancellation letter will be sent to you at your last known address. Valid reasons may include but are not limited to:
  1. Fraud
  2. Non-payment of premium
  3. Threatening and abusive behaviour
  4. Non-compliance with policy terms and conditions

Provided the premium has been paid in full you will be entitled to a proportionate rebate of premium in respect of the unexpired period showing on the insurance.

If your complaint about your claim cannot be resolved by the end of the next working day, the claims administrator will pass it to:

Customer Relations Department

UK General Insurance Limited

Cast House

Old Mill Business Park

Gibraltar Island Road

Leeds

LS10 1RJ


Tel: 0845 218 2685

Email: customerrelations@ukgeneral.co.uk

If it is not possible to reach an agreement, you have the right to make an appeal to the Financial Ombudsman Service. This also applies if you are insured in a business capacity and have an annual turnover of less than £2million and fewer than 10 staff. You may contact the Financial Ombudsman Service at:

The Financial Ombudsman Service

3rd Floor Lincoln House Lincoln Place Dublin 2

Lo Call 1890 882090

Tel: +353 1 6620899

Fax: + 353 1 662 0890


The above complaints procedure is in addition to your statutory rights as a consumer. For further information about your statutory rights contact your local authority Trading Standards Service or Citizens Advice Bureau. Your Satisfaction

It is the intention to give you the best possible service but if you do have any questions or concerns about this insurance or the handling of a claim you should follow the complaints procedure below:

Complaints regarding:

SALE OF THE POLICY

Please contact your agent who arranged the Insurance on your behalf.

If your complaint about the sale of your policy cannot be resolved by the end of the next working day, your agent will pass it to:

Customer Relations Department

UK General Insurance Limited

Cast House

Old Mill Business Park

Gibraltar Island Road

Leeds

LS10 1RJ


Tel: 0845 218 2685


Email: customerrelations@ukgeneral.co.uk


CLAIMS


The Managing Director

MIS Claims

Beechwood House

37 Comber road

Belfast

BT16 2AA


Tel: 02890 410220


Email : claim @misclaims.com


In all correspondence please state that your insurance is provided by UK General Insurance (Ireland) Limited and quote scheme reference xxxxxxxxx.


Compensation Scheme


UK General Insurance (Ireland) 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 www.fscs.org.uk


UK GENERAL INSURANCE LTD PRIVACY NOTICE

 

We are UK General Insurance Ltd, referred to as “we/us/our” in this notice. Our data controller registration number issued by the Information Commissioner’s Officer is Z7739575

 

This privacy notice is relevant to anyone who uses our services, including policyholders, prospective policyholders, and any other individuals insured under a policy. We refer to these individuals as "you/your” in this notice.

 

We are dedicated to being transparent about what we do with the information that we collect about you. We process your personal data in accordance with the relevant data protection legislation.

 

Why do we process your data?

 

The provision of your personal data is necessary for us to administer your insurance policy and meet our contractual requirements under the policy. You do not have to provide us with your personal data, but we may not be able to proceed appropriately or handle any claims if you decide not to do so.

 

What information do we collect about you?

 

Where you have purchased an insurance policy through one of our agents, you will be aware of the information that you gave to them when taking out the insurance. The agent will pass your information to us so that we can administer your insurance policy.

 

For specific types of insurance policies, for example when offering you a travel insurance policy, we may process some special categories of your personal data, such as information about your health.

 

We have a legitimate interest to collect this data as we are required to use this information as part of your insurance quotation or insurance policy with us. We may also process the data where it is necessary for a legal obligation, or as part of the establishment or defence of a legal claim.

 

UK General’s full privacy notice

 

This notice explains the most important aspects of how we use your data. You can get more information about this by viewing our full privacy notice online at http://ukgeneral.com/privacy-notice [^] or request a copy by emailing us at dataprotection@ukgeneral.co.uk. Alternatively, you can write to us at: Data Protection, UK General Insurance Ltd, Cast House, Old Mill Business Park, Gibraltar Island Road, Leeds, LS10 1RJ.