CARAVAN POLICY - Caravan Insurance

					                                 CARAVAN POLICY
CARAVAN
POLICY




PUTTING YOUR SECOND HOME FIRST
                 CARAVAN POLICY




                 Safeguard Caravan Policy Wording
                 Terms and Conditions




                 Contents
CARAVAN POLICY




                 Introduction                                       2                 Section 3 – Liabilities          7

                 Cancellation Rights                                3                 Section 4 – Personal Accident    8

                 Summary Of Cover                                   3                 Section 5 – Other Cover Levels   8

                 Service Standards                                  4                 General Conditions               9

                 Definitions                                        5                 Claims Conditions                9 - 10

                 The Cover                                          6                 General Exclusions               11

                 Section 1 – Caravan                                6                 Company Details                  11

                 Section 2 – Contents                               7                 Caravan Legal Protection         12




                 Introduction
                 Welcome to Your Caravan Insurance Policy and thank you for
                 choosing to arrange your AXA Insurance Policy through Safeguard.
                 The information You have supplied forms part of the contract of
                 insurance with Us. Your Policy is evidence of that contract. You
                 should take time to read Your Policy in conjunction with Your
                 Schedule and keep these documents in a safe place.
                 In return for having accepted Your premium We will in the event of
                 injury, loss or damage happening within the Period of Insurance
                 provide insurance as described in the following pages and referred
                 to in Your Schedule.
                 If after reading these documents You have any questions or You
                 wish to change anything please contact Safeguard on
                 0845 013 1797.




                 2
CARAVAN POLICY




14 Day Cancellation
In the unlikely event You find You are not satisfied with the
Insurance cover or for any reason You find that this Policy is not
suitable for You You may cancel this Policy by writing to Safeguard,
Woodside House, 261 Low Lane, Horsforth, Leeds, LS18 5NY within
14 days of the start date or the date You receive Your documents if
this is later. We will refund any premium paid provided that You




                                                                                                                                                    CARAVAN POLICY
have not made a total loss claim.




Law applicable to the Contract
You are free to choose the law applicable to this Policy. As We are
based in England, We propose to apply the laws of England and
Wales and by purchasing this policy You have agreed to this.




Summary of Cover
Some important facts about your Caravan insurance are                   General Exclusions
summarised below. This summary does not describe all the terms          • Riot or civil commotion outside of the United Kingdom, the Isle of
and conditions of your policy, so please take time to read the policy   Man or the Channel Islands, confiscation or sonic bangs,
document to make sure you understand the cover it provides.             radioactive contamination, war risks, terrorism, reduction in
When reviewing your policy it should be read in conjunction with        market value, date change, pollution and contamination
your Policy Schedule.
                                                                        Exclusions under Caravan Cover
Insurer: AXA Insurance UK plc.                                          • Theft of a touring caravan whilst unattended or unattached
                                                                        unless secured by a wheel clamp
Your cover is valid for one year.
                                                                        • Theft from the caravan where the doors or windows have not
The maximum amount insured is the sum insured shown within              been locked
your policy wording or on the policy schedule.
                                                                        Cancellation Period
Significant Features and Benefits                                       You are free to cancel this policy at anytime; if there has been no
• Loss or damage to the caravan anywhere in the United Kingdom,         claim or incident likely to give rise to a claim you will receive a
Channel Islands or the Isle of Man and for up to 180 days per year      refund for the period remaining. If there has been a claim
in Europe                                                               submitted during the current period of insurance, no refund in
                                                                        premium will be given.
• Alternative accommodation costs if the caravan becomes
uninhabitable due to loss or damage covered by this policy up to        Claim Notification
£50 per day and £1,000 in any one period of insurance                   To make a claim contact 0800 308 1762.
• Legal liability for compensation arising from the ownership or        Making Yourself Heard
use of the caravan up to £2,000,000                                     Any complaint you may have should in the first instance be
                                                                        addressed to your insurance adviser. If you are not satisfied with
Significant or unusual Exclusions or Limitations                        the way in which your complaint has been dealt with, you should
• You must at all times keep the sums insured at a level that
                                                                        write to: The Customer Care Department of AXA Insurance. If the
represents full value, failure to comply with this may jeopardise
                                                                        complaint is still not resolved, you can approach the Financial
your claim or cover
                                                                        Ombudsman Service. Referral to the Financial Ombudsman will
• The standard excesses and any increased amount you have               not affect your right to take legal action. Full details of addresses
agreed to pay is shown within your policy wording or on the policy      and contact numbers can be found within the Policy Wording.
schedule
                                                                        Financial Services Compensation Scheme (FSCS)
• Loss or damage whilst the caravan is being used for any trade or
                                                                        AXA Insurance is covered by the FSCS, which is triggered when an
business purposes
                                                                        authorised firm goes out of business. In this unlikely event you may
• Loss or damage whilst the caravan is let for hire or reward           be entitled to compensation from the scheme. Compensation
                                                                        under the scheme for:
• Loss or damage to awnings or toilet tents and other externally
fitted accessories caused by storm or flood between the period of       • Compulsory insurance is covered in full
31st October to 1st March
                                                                        • Non-compulsory insurance is protected in full for the first £2,000
                                                                        and 90% of any amount above this threshold

                                                                        Full details are available at www.FSCS.org.uk




                                                                                                                                                3
                 CARAVAN POLICY




                 Service standards and complaints
                 procedure. Our promise to You
                 • Acknowledge written queries and complaints promptly
                 • Investigate quickly and thoroughly
CARAVAN POLICY




                 • Keep You informed of progress
                 • Do everything possible to resolve Your query or complaint
                 • Learn from Our mistakes
                 • Use the information from complaints to continuously improve
                 Our service

                 We may record or monitor telephone calls.

                 For any enquiry or complaint You may have regarding the sale of
                 this Policy, please contact in the first instance Safeguard,
                 Woodside House, 261 Low Lane, Horsforth, Leeds, LS18 5NY

                 Tel: 0113 258 1614

                 If You are still not satisfied please contact the Customer Assistance
                 Team, Swinton House, 6 Great Marlborough Street, Manchester,
                 M1 5SW tel; 0845 168 3676.

                 For any enquiry or complaint You may have relating to this Policy
                 that has not yet been resolved please contact the Head of
                 Customer Care who will arrange for an investigation on behalf of
                 the Chief Executive.

                 Head of Customer Care
                 AXA Insurance
                 Civic Drive
                 Ipswich
                 Suffolk
                 IP1 2AN
                 Tel: 01473 205926
                 Fax: 01473 205101

                 email: customercare@axa-insurance.co.uk

                 Please be ready to provide all relevant details of Your Policy and in
                 particular Your Policy number to help Your enquiry to be dealt with
                 quickly.

                 If We have given You Our final response and You are still
                 dissatisfied You may refer Your case to the Financial Ombudsman
                 Service. The FOS is an independent body that arbitrates on
                 complaints about general insurance products. It will only consider
                 complaints after We have provided You with written confirmation
                 that Our internal complaints procedure has been exhausted. The
                 Ombudsman can be contacted at:

                 Insurance Division
                 Financial Ombudsman Service
                 South Quay Plaza
                 183 Marsh Wall
                 London
                 E14 9SR
                 Tel: 0845 080 1800
                 Fax: 020 7964 1001

                 This will not affect Your legal rights. You can obtain further details
                 of Your legal rights from a Citizens’ Advice Bureau or You should
                 consult Your solicitor.




                 4
CARAVAN POLICY




Definitions
Where We explain what a word means that word will have the               We/Us/Our
same meaning wherever it is used in the Policy or Schedule.              AXA Insurance UK plc.

These words are highlighted by the use of bold print and start with      You/Your
a capital letter.                                                        The person or persons named in the Schedule as the Policyholder.




                                                                                                                                            CARAVAN POLICY
Caravan
A vehicle built for use as a mobile dwelling. Also a mobile home
conforming to BS3632 used solely for private purposes.

Contents
Household goods and Personal effects normally kept in the
Caravan except for Money, jewellery, watches, articles of or
containing gold or silver, furs, video cameras and pedal cycles.

Endorsement(s)
A change to the terms of the Policy as shown under Endorsements
in the Schedule.

Equipment
All items intended for use in, on or about the Caravan including
fixtures, fittings, furnishings, utensils, awnings and accessories
added since manufacture but excluding personal effects. Including
but not limited to: aerials including portable aerials and satellites,
air conditioning, alloy wheels, awnings, batteries, caravan motor
movers, cookers, fitted audio equipment, fire extinguishers, gas
bottles, generators, ground sheet, heaters, hook-up cables,
pumps, refrigerators, security devices, smoke detectors, spare
wheels, stabilisers, toilets, water carriers.

Excess
The amount You are required to pay as the first part of each and
every claim made.

Family/They
Your domestic partner, children, Domestic Staff and any other
person permanently residing with You and not paying a
commercial rent.

Friends
Anyone other than Your Family to whom you have given permission
to use Your Caravan for private purposes only, provided the
Caravan is not lent to them for hire or reward.

Market Value
The cost of replacing the Caravan with one of a similar type and
condition.

Money
This means coins and bank notes in current use, postal orders,
postage stamps which are not part of a collection, trading stamps,
premium bonds, saving stamps or certificates, luncheon vouchers,
record book or similar tokens, money orders, travel tickets
including season tickets, petrol coupons, gift tokens, phonecards,
prebooked event and entertainment tickets and electronic money
cards.

Period of Insurance
The dates shown in the Schedule.

Personal Effects
Means clothes and articles of a strictly personal nature likely to be
worn used or carried, also portable radios, portable televisions and
sports equipment. It does not include money, jewellery, watches,
articles of or containing gold or silver, furs, video cameras,
computers, laptops, electronic games, mobile phones, pedal
cycles and other high risk items.

Policy
Your policy booklet and most recent Schedule which include any
Endorsement(s).




                                                                                                                                        5
                 CARAVAN POLICY




                     The Cover – Territorial Limits
                     Cover under this policy is operative whilst the Caravan is being
                     used:

                     (a) in the United Kingdom;

                     (b) Temporarily on the Continent of Europe up to 180 days
CARAVAN POLICY




                     (including sea crossings) in any Period of Insurance. For
                     periods in excess of 180 days please telephone or write to
                     Safeguard for a quotation.




                     Cover Section 1 – Caravan
                     What is the most We will pay?                                          j.     Theft of a touring Caravan whilst unattended and whilst
                     The Sum Insured as shown on Your Schedule declared by You                     not attached to the towing vehicle except if at the time of
                     represents not less than the full value of the property insured.              loss the caravan was secured by a proprietary wheel
                                                                                                   clamp.
                     Limits of Cover
                     We will not pay in total more than the Sum Insured shown for           k.     Theft from awnings or toilet tents
                     the Caravan in Your Policy Schedule.
                                                                                            l.     Theft from a Caravan where the doors and windows had
                     What is Insured                                                               not been securely locked
                     The Caravan and Contents as stated in the Schedule including
                     furniture, furnishings, fixtures fittings, household linen, utensils   m.     Loss or damage of Your Caravan by deception of
                     and equipment in or attached to the Caravan.                                  someone who claims to be a buyer or agent

                     What is covered                                                        3. The Customs Duty incurred after temporary importation of
                     1. If the property as stated in the Schedule sustains loss or          the Caravan from Europe resulting from loss or damage
                     damage We will pay for the damage or if We choose We will              covered by this section.
                     effect repair.
                                                                                            We will not pay any amount for Customs Duty exceeding £250.
                     i.     within the United Kingdom the Channel Islands and the
                                                                                            4. If the Caravan is disabled by damage insured under this
                            Isle of Man
                                                                                            Policy We will pay the reasonable cost of protection and
                     ii.    up to 180 days in Europe during the Period of Insurance         removal to the nearest repairers and for the return to Your
                                                                                            Home If the Caravan is connected to Your services We will pay
                     iii.   between European ports by sea                                   the reasonable cost of disconnection if the Caravan is removed
                                                                                            for repair.
                     2. The cost of repatriating the Caravan from a country outside of
                     the United Kingdom if the caravan is involved in a accident in an      We will not pay any amount exceeding £750 for delivery.
                     EU country.
                                                                                            5. If the Caravan is uninhabitable due to damage insured under
                                                                                            this Policy We will pay the reasonable cost of alternative
                     What is not covered                                                    accommodation whilst the Caravan is being repaired.
                     a.     The amount of the Excess shown in the Schedule
                                                                                            We will not pay any amount exceeding £50 per day and £1,000 in
                     b.     Loss or damage whilst the Caravan is being used for any         total during any one Period of Insurance.
                            trade or business purposes

                     c.     Loss or damage whilst the Caravan is let for hire or
                            reward

                     d.     Loss or damage to tyres by punctures cuts or bursts

                     e.     Electrical or mechanical breakdown or derangement of
                            any particular component

                     f.     Loss or damage caused by wear and tear, depreciation,
                            rot, fungus, insects, vermin, domestic pets or any
                            gradually operating cause

                     g.     Loss or damage caused deliberately by You, Your Family
                            or Friends

                     h.     Theft or attempted theft by You, Your Family or Friends

                     i.     Loss or damage from taking Your Caravan and returning
                            it to its legal owner




                 6
CARAVAN POLICY




  Cover Section 2 - Contents
  Limits of Cover
  • We will not pay in total more than the Sum Insured shown
  for the Contents in Your Policy Schedule.




                                                                                                                                          CARAVAN POLICY
  Contents and Equipment can only be covered if the Caravan is
  insured.

  What is covered
  i) The single article limit is 10% of the unspecified Contents
  sum insured

  ii) Specified single item valued up to £750 - in the event of a
  claim receipts and proof of purchase will be required or
  something similar.

  iii) Equipment single item valued up to £750 - in the event of a
  claim receipts and proof of purchase will be required or
  something similar.

  iv) Caravan contents including household goods and personal
  effects normally kept in the caravan

  What is not covered
  a. Theft from a Caravan where the doors and windows had not
  been securely locked

  b. Any Equipment item if the item is £751 or more

  c. Caravan Contents does not include money, jewellery,
  watches, articles of or containing gold or silver, furs, video
  cameras, laptops, computers, pedal cycles and other high risk
  items

  d. Damage to Equipment such as externally fixed accessories
  caused by storm or flood

  e. Damage to Equipment such as externally fitted awnings or
  toilet tents between the period of 31st October and 1st March




  Cover Section 3 – Liabilities
  6. We will indemnify You for Your legal liability for              What is not covered
  compensation payable for causing accidental death or bodily        a) damage to property incurred under custody or control of
  injury to any person or accidental damage to material property     You, Your Family or Friends
  occurring during the Period of Insurance arising out of the
  ownership or use of the Caravan stated in the Schedule. We         b) death or bodily injury to any person arising out of their
  will also pay for legal costs and expenses agreed by Us in         employment by You
  writing for the defence of any claim
                                                                     c) any accident occurring whilst the Caravan is being used for
  What is covered                                                    business purposes
  i. within the United Kingdom the Channel Islands or the Isle of
  Man                                                                d) any damage occurring whilst the Caravan is being towed or
                                                                     becomes detached whilst being towed
  ii. up to 180 days in Europe during the Period of Insurance
                                                                     e) any contractual liability
  iii. between European ports by sea transport

  We will not pay more than £2,000,000 (which includes costs
  and expenses agreed by Us) for any claim or series of claims
  arising from any one event or one source or original cause for:




                                                                                                                                      7
                 CARAVAN POLICY




                     Cover Section 4 – Personal Accident
                     7. We will Indemnify You if You or Your Family suffers
                     accidental injury whilst:

                     a) inside the Caravan
CARAVAN POLICY




                     or

                     b) in the immediate vicinity of the Caravan whilst it is in use or
                     being worked upon which proves fatal within 12 months of its
                     occurrence. We will pay £20,000 to the deceased’s legal
                     personal representative(s).

                     We will not cover

                     a) Anyone aged under 16 or over 85 at the time of the loss

                     b) Death or bodily injury caused by You or Your Family
                     committing suicide or attempting to commit suicide

                     c) Death or bodily injury caused to anyone under the influence
                     of alcohol or drugs at the time of the incident causing death or
                     bodily injury

                     8.If the driver of the vehicle towing the Caravan falls ill and
                     there is no other member of the party capable of driving, We
                     will pay the cost of arranging an alternative driver. We will not
                     pay any amount exceeding £750 in total during any one Period
                     of Insurance.



                     Cover Section 5 – Any other cover levels
                     Continental Use
                                                                                          If an index becomes unavailable We will use a suitable
                     What is covered                                                      alternative index.
                     a) Up to 180 days cover in the territorial limits in any one
                     Period of Insurance is automatically provided under the Policy       We will not reduce the sums insured or monetary limits if an
                     free of charge.                                                      index should fall.

                     b) Cover for more than 180 days and up to a maximum of 270           The premium at renewal for the next Period of Insurance will
                     days provided the caravan is to be used purely for holiday           be based on any increased sum insured.
                     purposes and the appropriate premium paid
                                                                                          Although You have the benefit of Inflation Protection You
                     What is not covered                                                  should not rely on this alone to keep the Caravan and Contents
                     a) A Caravan ‘left’ at a site in the territorial limits and is not   Sums Insured at the correct level.
                     being used purely for holiday purposes
                                                                                          The value of Your Contents may be growing faster than
                     b) More than 270 days travel.                                        inflation – perhaps because of new acquired items.

                     Inflation Protection                                                 It is a condition to insure for the correct sum.
                     To help protect You against the effect of inflation every Sum
                     Insured and monetary limit under Caravan and Contents will
                     be adjusted at the end of each month by the percentage
                     increases in the following indices:

                     Caravan/Contents
                     The Consumer Durables section of the Retail Price index
                     compiled by the Office for National Statistics




                 8
CARAVAN POLICY




  General Conditions
  You, Your Family or Friends must comply with the following          Cancelling your cover
  conditions to have the full protection of Your Policy
                                                                      Statutory Cancellation Rights
  If You, Your Family or Friends do not comply with them We




                                                                                                                                             CARAVAN POLICY
  may at Our option cancel the Policy or refuse to deal with Your     You may cancel this policy within 14 days of receipt of the
  claim or reduce the amount of any claim payment                     policy documents (new business) or the renewal date (the
                                                                      Cancellation Period) by writing to Us at the following address
  Keeping Your sums insured at the correct level                      during the Cancellation Period:
  You must at all times keep the sums insured at a level which
  represents the full value of the property insured. Full value       AXA Insurance Customer Services – Personal Lines
  means for                                                           PO Box 147
                                                                      Civic Drive
  Caravan                                                             Ipswich
  The current cost as new for caravans within 5 years of              IP1 2AN
  purchase as new by You or the current market value for
  caravans over 5 years old                                           There is no refund of premium in the event of a total loss
                                                                      claim. However, in all other cases, We will retain an amount of
  Contents and Personal Effects                                       premium in proportion to the time You have been on cover and
  The current cost as new (other than clothes and household           refund the balance to You.
  linen). For Clothes and household linen the current cost as
  new less an appropriate allowance for wear and tear                 In the event of a total loss, if You are paying by instalments,
                                                                      You will either have to continue with the instalment payments
  Equipment                                                           until the policy renewal date or We may at Our discretion,
  The current cost as new for equipment within 5 years of first       deduct the outstanding instalments due from any claim
  being purchased or the current replacement value if over 5          payment made.
  years old.
                                                                      Cancellation Outside The Statutory Period
  Taking care of Your property                                        You may cancel this policy at any time by providing prior
  You, Your Family or Friends must take and cause to be taken         written notice to the above address. Providing You have not
  all reasonable precautions to safeguard all the property            incurred eligible claims during the period We have been on
  insured from injury loss or damage, and maintain it in a sound      cover We will retain an amount of premium in proportion to the
  and roadworthy condition.                                           time You have been on cover and refund the balance to You.

  1. Security and Tracking devices – If we have accepted your         If You are paying by instalments Your instalment payments will
  insurance or reduce your premium on the basis that your             cease and if You incur eligible claims You will either have to
  Caravan is fitted with either a security or tracking device, then   continue with the instalment payments until the policy renewal
  the device must be fully operational at all times when your         date or We may, at Our discretion, deduct the outstanding
  Caravan is parked and left unoccupied. Failure to comply with       instalments due from any claim payment made.
  this condition may mean we will refuse to deal with any claim
  arising from your Caravan being lost or stolen.                     We reserve the right to cancel the policy by providing 21 days
                                                                      prior written notice by registered post to Your last known
  2. Your Caravan must not be left unattended in a foreign            address. Any premium refund will be calculated in accordance
  country, whilst you return to the UK.                               with the above.

  Changes in Your circumstances                                       Non payment of premiums
  You must notify Us as soon as possible of any change which          We reserve the right to cancel this policy immediately on
  may affect this insurance and in particular any of the following:   written notice in the event of non payment of the premium or
                                                                      default if You are paying by instalments.
  • change of address

  • if You, Your Family or Friends intend to let or sub-let Your
  Caravan                                                             Claims Conditions
  • if You, Your Family or Friends intend to use Your Caravan for     You, Your Family or Friends must comply with the following
  any reason other than private residential purposes                  claims conditions to have the full protection of Your Policy. If
                                                                      You/They do not comply with them We may at Our option
  • if You or Your Family have been declared bankrupt or have         cancel the Policy or refuse to deal with Your claim or reduce
  received a police caution for or been charged with but not yet      the amount of any claim payment
  tried for any offence other than driving offences
                                                                      What you must do:
  If You are in any doubt please ask Your Insurance Adviser           • If property is lost or theft or malicious damage is suspected
                                                                      You must immediately inform the Police and obtain a crime or
                                                                      lost property reference number




                                                                                                                                         9
                 CARAVAN POLICY




                      • We recommend that You check Your Policy cover                     What You must not do:
                                                                                          • admit or deny any claim made by someone else against You,
                      • Check that the loss or damage is covered. This Policy             Your Family or Friends or make any agreement with them. We
                      contains details of what is covered and how claims are settled      have the right to negotiate settle or defend any such claim in
                                                                                          Your name and on Your behalf and take possession of the
                      You should always immediately:                                      property insured and deal with salvage
CARAVAN POLICY




                      • contact Us by phone on the Helpline shown in Your Schedule
                                                                                          • abandon any property to Us
                      • take all reasonable steps to recover missing property and
                                                                                          • dispose of damaged items as We may need to see them
                      • take all reasonable steps to prevent further damage
                                                                                          Fraud
                      Claims Process:                                                     You, Your Family or Friends must not act in a fraudulent
                      Telephone Us using the Helpline number shown in Your                manner
                      Schedule and We will:
                                                                                          If You or anyone acting for You:
                      i.   take details of the loss
                                                                                          • make a claim under the Policy knowing the claim to be false
                      ii. arrange for a nationwide approved tradesperson to provide       or fraudulently exaggerated in any respect or
                          Us with an estimate
                                                                                          • make a statement in support of a claim knowing the
                      iii. instruct an approved supplier to contact You if appropriate    statement to be false in any respect or
                           and
                                                                                          • submit a document in support of a claim knowing the
                      iv. where necessary arrange for someone to call or contact          document to be forged or false in any respect or
                          You by phone as soon as possible to discuss Your claim.
                          This person may be one of Our own claims staff or an            • make a claim in respect of any loss or damage caused by
                          independent Chartered Loss Adjuster                             Your wilful act or with Your connivance.

                      What You must do after making Your claim:                           Then:
                      • tell Us and provide full details in writing immediately if
                      someone is holding You, Your Family or Friends responsible          • We shall not pay the claim
                      for damage to their property or bodily injury to them and send
                      to Us immediately any writ summons letter of claim or other         • We shall not pay any other claim which has been or will be
                      document                                                            made under the Policy

                      • if requested send written details of Your claim to Us within      • We may at Our option declare the Policy void
                      30 days
                                                                                          • We shall be entitled to recover from You the amount of any
                      • supply at Your own expense all reports certificated plans         claim already paid under the Policy since the last renewal date
                      specification information and assistance that We may require
                                                                                          • We shall not make any return premium

                                                                                          • We may inform the Police of the circumstances




                      How We Settle Claims
                                                                                          discounts We may have received had We replaced the
                      Excess                                                              property.
                      You are responsible for the amount shown in the Schedule which      Matching Sets and Suites
                      will be deducted by Us from each and every claim made               An individual item of a matching set of articles or suite of
                                                                                          furniture or sanitary ware or other fittings is regarded as a
                      Basis of Settlement                                                 single item. We will pay You for individual damaged items but
                                                                                          not for undamaged companion pieces.
                      Caravan                                                             Will a deduction be made for wear and tear?
                      We will at Our option replace or repair the damaged Caravan. A
                                                                                          There will be a deduction for clothes and household linen.
                      deduction for wear and tear and depreciation will be made
                                                                                          There will be no deduction for all other Contents provided
                      except where the Caravan is damaged beyond economical repair
                                                                                          they have been maintained in good repair and the Sum
                      within 5 years of manufacture . We will replace it with a new one
                                                                                          Insured represents the full value of the property (See General
                      of similar nature and model. The maximum amount payable will
                                                                                          Conditions on page 9).
                      be the Sum Insured or the reasonable market value whichever is
                      the lower.                                                          Reinstatement of the Sum Insured
                                                                                          The Sum Insured will not be reduced following a claim.
                      Contents and Personal Effects
                      We will at Our option repair reinstate or replace the lost or
                      damaged property. Where property cannot be replaced or
                      repaired We may at Our option pay in cash the amount of the loss
                      or damage. If We do pay cash the sum payable will reflect any




                 10
CARAVAN POLICY




 General Exclusions
 These exclusions apply throughout Your Policy                         strike, civil commotion and malicious damage are not excluded
                                                                       hereunder
 We will not pay for
 1. Riot/Civil Commotion Any loss damage or liability                  9. Pollution/Contamination Loss damage liability or bodily
 occasioned by or happening through riot or civil commotion            injury arising directly or indirectly from pollution or
 outside the United Kingdom the Isle of Man or the Channel             contamination unless caused by:




                                                                                                                                               CARAVAN POLICY
 Islands
                                                                       a. a sudden and unforeseen and identifiable incident and
 2. Sonic Bangs Loss or damage by pressure waves caused by
 aircraft and other aerial devices travelling at sonic or              b.leakage of oil from a domestic oil installation at Your Caravan
 supersonic speeds
                                                                       10. Date Change Loss or damage to any computer or other
 3. Reduction In Market Value Any reduction in market value of         equipment data processing service product microchip micro
 any property following its repair or reinstatement                    processor integrated circuit embedded chip or similar device
                                                                       computer software programme or process or any other
 4. Confiscation Any loss damage or liability occasioned by or         electrical or electronic system directly or indirectly caused by:
 happening through confiscation or detention by customs or
 other officials or authorities                                        a. failure to correctly recognise data representing a date in such
                                                                       a way that it does not work properly or at all and
 5. Radioactive Contamination
                                                                       b. computer viruses
 a. Loss or damage to any property or any loss or expense
 resulting or arising there from or any other loss damage or           11. Legal Liability directly or indirectly arising from: Loss or
 additional expense following on from the event for which you are      damage to any computer or other equipment data processing
 claiming                                                              service product microchip micro processor integrated circuit
                                                                       embedded chip or similar device computer software
 b. Any legal liability directly or indirectly caused by or            programme or process or any other electrical or electronic
 contributed to by or arising from:                                    system directly or indirectly caused by:

 i. ionising radiations or contamination by radioactivity from any     a. failure to correctly recognise data representing a date in such
 irradiated nuclear fuel or from any nuclear waste from the            a way that it does not work properly or at all and
 combustion of nuclear fuel and
                                                                       b. computer viruses
 ii. the radioactive, toxic, explosive or other hazardous properties
 of any explosive nuclear assembly or of its nuclear component         Subsequent loss or damage or legal liability for which cover is in
                                                                       force under this Policy is not affected
 6. War Risks Any loss damage or liability occasioned by or
 happening through war, invasion, act of foreign enemy,
 hostilities (whether war is declared or not), civil war, rebellion,
 revolution, insurrection, military or usurped power

 7. Terrorism Any loss damage or cost or expenses of
 whatsoever nature directly or indirectly caused or occasioned by
 or happening through or in consequence of terrorism or any
 action taken in controlling preventing or suppressing any acts of
 terrorism or in any way relating thereto

 a. For the purpose of this exclusion ‘terrorism’ means the use of
 biological chemical and/or nuclear chemical and/or nuclear
 force or contamination and/or threat thereof by any person or
 group of persons whether acting alone or on behalf of or in
 connection with any organisation(s) or government(s)
 committed for political religious ideological or similar purposes
 including the intention to influence any government and/or to
 put the public or any section of the public in fear

 8. However losses caused by or resulting from riot, attending a




 AXA Insurance UK plc. Registered in England No 78950. Registered Office: 5 Old Broad Street, London EC2N 1AD.
 A member of the AXA Group of Companies. AXA Insurance UK plc is authorised and regulated by the Financial Services Authority.

 Telephone calls may be monitored or recorded.

 CARAVAN POLICY DATED – January 2009




                                                                                                                                          11
                           CARAVAN LEGAL PROTECTION




                           Caravan Legal Protection
                           This insurance does not cover everything that can happen so please read Your policy carefully to make sure You understand what it covers
                           and the limits that apply.
CARAVAN LEGAL PROTECTION




                           This insurance is underwritten by Inter Partner Assistance SA and administered by Arc Legal Assistance Limited.

                           In the event of a valid claim under this insurance, We will appoint Our panel solicitors or their agents, to handle Your case. You are not
                           covered for any other legal representatives’ fees unless it becomes necessary to start court proceedings or a conflict of interest arises.
                           Where it becomes necessary to start court proceedings or a conflict of interest arises and You have elected to use a legal representative of
                           Your own choice, You will be responsible for any Advisors’ Fees in excess of Our Standard Advisors’ Fees.


                                                                                                    Insurance Providers
                           Definitions                                                              Inter Partner Assistance SA who are a wholly owned subsidiary of
                           Wherever the following words in bold appear within this insurance        AXA Assistance SA and part of the worldwide AXA Group.
                           policy they will have the following meaning:
                                                                                                    Excess
                           You / Your                                                               The amount that You must pay towards Advisors’ Fees in any claim
                           The owner of the Caravan who has paid the premium, or on whose           as stated below:-
                           behalf the premium has been paid and been declared to Us by Your
                                                                                                        Section of Cover 1B: £250
                           insurance advisor and any authorised person using or occupying
                                                                                                        All other sections: £Nil
                           the Caravan with the owners consent.
                           Under section 2B cover will include any passenger or driver of the
                           towing vehicle.                                                          Cover
                           If You die Your personal representatives will be covered to pursue       This insurance covers Advisors’ Fees up to the Limit of Indemnity
                           or defend cases covered by this insurance on Your behalf that            where:-
                           arose prior to Your death.                                                   •    The Insured Incident takes place in the Insured Period
                           Caravan                                                                           and within the Territorial Limits and
                           The Caravan insured under the policy to which this cover attaches.           •    The Legal Action takes place in the Territorial Limits
                           Advisors’ Fees                                                           Section 1. You are covered for Advisors’ Fees to:
                           Reasonable legal fees and disbursements incurred by the Advisor
                                                                                                    A   Pursue or defend a contractual dispute arising from an
                           or other legal representative with Our prior written authority.
                                                                                                        agreement or alleged agreement which You have entered into
                           Legal expenses shall be assessed on the standard basis and third
                                                                                                        for the purchase or sale of the Caravan.
                           party’s costs shall be covered if awarded against You and paid on
                           the standard basis of assessment.                                            The contract must have been made after You first purchased
                                                                                                        this insurance
                           Standard Advisors’ Fees
                           The level of Advisors’ Fees that would normally be incurred by               There is no cover for claims: -
                           Insurance Providers in using a nominated Advisor of Our choice.
                                                                                                        •    Where the amount in dispute is less than £250 plus VAT
                           Legal Action(s)                                                              •    A contract involving a motor vehicle other than the Caravan
                                •   The pursuit or defence of civil legal cases for damages or
                                    injunctions, or                                                 B   Pursue or defend a civil action relating to the Caravan
                                                                                                        following any nuisance or trespass, provided that You pay the
                                •   The defence of criminal prosecutions.                               Excess.
                           Limit of Indemnity                                                           The nuisance or trespass must have commenced after You first
                           The maximum payable in respect of an Insured Incident, which is              purchased this insurance
                           £50,000.
                                                                                                        There is no cover for claims: -
                           Insured Incident                                                             •    Relating to any building or land other than the Caravan.
                           The incident or the first of a series of incidents which may lead to a
                           claim under this insurance. Only one Insured Incident shall be           Section 2. You are covered for Advisors’ Fees to pursue:-
                           deemed to have arisen from all causes of action, incidents or
                                                                                                    A   Contract claims against the person or organisation that sold,
                           events that are related by cause or time.
                                                                                                        hired or leased You defective goods or services for use in or
                           Territorial Limits                                                           connected to the Caravan. The contract must have been made
                           The European Union.                                                          after You first purchased this insurance

                           Insured Period                                                               There is no cover for claims: -
                           The period of cover declared to and accepted by Us for which the             •    A contract involving a motor vehicle other than the Caravan
                           insurance premium has been paid which runs concurrently with
                           the period of the underlying Caravan policy.                             B   Uninsured losses and personal injury/fatal accident claims
                                                                                                        against the person or organisation directly responsible, arising
                           We/Us/Our                                                                    from events involving the Caravan and any towing vehicle
                           Arc Legal Assistance Limited who have arranged this insurance                attached to it.
                           and administer it on behalf of the Insurance Providers.
                                                                                                        There is no cover for claims: -
                           Advisor                                                                      •    Arising from medical or clinical treatment, advice,
                           Our Specialist panel solicitors or their agents appointed by Us to                assistance or care
                           act for You, or, and subject to Our agreement, where court
                           proceedings have been started or a conflict of interest arises,              •    Arising from stress, psychological or emotional injury
                           another legal representative nominated by You.
                                                                                                        •    Arising from illness, personal injury or death which is
                                                                                                             caused gradually or is not caused by a specific event


                           12
CARAVAN LEGAL PROTECTION


C   A person or organisation that causes physical damage to the             •   Costs which are recovered from a third party or third party
    Caravan. The damage must have been caused after You first                   organisation.
    purchased this insurance.
                                                                            •   Patents, copyrights, trademarks, merchandise marks,
Section 3. You are covered for Advisors’ Fees to defend:-                       service marks, registered designs, intellectual or artistic
                                                                                property, secrecy or confidentiality agreements and




                                                                                                                                                 CARAVAN LEGAL PROTECTION
A   Criminal prosecutions brought against You arising from Your
                                                                                passing off.
    ownership or use of the Caravan. Cover will extend to defend
    Your legal rights if an event leads to Your prosecution for an          •   Computer software other than proprietary packaged
    offence connected with the use or driving of a vehicle towing               software that has not been tailored to Your requirements.
    the Caravan.
                                                                            •   Works undertaken or to be undertaken by or under the
    There is no cover for claims: -                                             order of any government or public or local authority.
    •   Where You are entitled to a grant of legal aid from the             •   Planning law.
        Legal Services Commission, or where funding is available
                                                                            •   Constructing buildings or altering their structure.
        from another public body, a trade union, employer or any
        other insurance policy                                              •   Libel, slander or verbal injury.
    •   For pleas in mitigation unless We believe that such a plea          •   A dispute between You and someone You live with or have
        will have a significant effect on the sentence.                         lived with.
    •   There is no cover for prosecutions for dishonesty or                •   A lease or licence to use property or land.
        intentional violence or where the act or omission giving
        rise to the prosecution was deliberate.                             •   Any venture for gain by You or Your business partners.

    •   For alleged road traffic offences where You did not hold or         •   A dispute between persons insured under this policy.
        were disqualified from holding a licence to drive or You are        •   A dispute about either the amount an insurance company
        being prosecuted for driving whilst under the influence of              should pay to settle an insurance claim or the way a claim
        drink or non-prescribed drugs.                                          should be settled.
    •   There is no cover for parking offences.                             •   An application for Judicial Review.
B   Contract claims brought by someone to whom the You have                 •   Defending or pursuing new areas of law or test cases.
    sold Your private goods. The contract must have been made
    after You first purchased this insurance.                               •   A dispute with any financial services supplier arising from
                                                                                the sale or performance of products and services offered
                                                                                or provided to You.
General Exclusions                                                          •   Professional negligence in relation to services provided in
1. There is no cover where:-                                                    connection with a matter not covered under this insurance.

    •   The Insured Incident began to occur or had occurred                 •   A tax or levy relating to You owning or living in Your home
        before You first purchased this insurance.
                                                                            •   A manufacturer’s warranty or guarantee.
    •   You should reasonably have known when buying this
                                                                         3. There is no cover: -
        insurance that the circumstances leading to a claim under
        this insurance already existed                                      •   For damages, interest, fines or costs awarded against You
                                                                                in a criminal court.
    •   A reasonable estimate of Your Advisers’ Costs of acting for
        You is greater than the amount in dispute.                          •   Claims over loss or damage where that loss or damage is
                                                                                covered under another insurance.
    •   You fail to provide evidence or information reasonably
        required by Us or the Advisor to establish whether support          •   For claims made by or against Your insurance Advisor, the
        can be provided under this insurance.                                   Insurance Providers, Us or the Advisor.
    •   You are responsible for anything which in Our reasonable            •   Any claim You make which is false or fraudulent.
        opinion prejudices Our position in respect of the proceedings.
                                                                            •   Defending Legal Actions arising from anything You did
    •   You decide that You no longer wish to pursue Your case as               deliberately or recklessly
        a result of disinclination. All Advisors’ Fees incurred up
                                                                            •   For appeals without Our prior written consent.
        until this stage will become Your responsibility.
                                                                            •   For any other legal Advisors’ Fees unless it becomes
    •   The Insured Incident occurs outside of the Territorial Limits
                                                                                necessary to start court proceedings or a Conflict of
    •   You fail to give full information or facts to Us or to the              Interest arises
        Adviser on a matter material to Your claim.
                                                                            •   Any costs which You incur and wish to recover which You
    •   Adviser’s Costs have not been agreed in advance or are                  cannot substantiate with documentary evidence.
        above those for which We have given Our prior written
                                                                            •   Advisors’ Fees if Your claim is part of a class action or will
        approval.
                                                                                be affected by or will affect the outcome of other claims.
    •   Where You have other legal expenses insurance cover.
2. There is no cover for: -
    •   The Excess
    •   The amount of Advisors Fees in excess of Our Standard
        Advisors’ Fees where You have decided to use an Advisor
        of Your own choice.
    •   Cost incurred by excessive correspondence.




                                                                                                                                           13
                           CARAVAN LEGAL PROTECTION


                                                                                                         g) In the event of a dispute arising as to Advisor’s Fees We
                           Conditions                                                                       may require You to change Advisor.
                           1. Cancellation                                                               h) The Insurance Providers shall only be liable for costs for
                           You may cancel this insurance policy at any time by writing to Your              work expressly authorised by Us in writing and undertaken
                           insurance advisor. If You exercise this right within 14 days of taking           while there are reasonable prospects of success.
CARAVAN LEGAL PROTECTION




                           out this insurance, You will receive a refund of premium provided
                           You have not already made a valid claim against the insurance. If             i)   You will supply all information requested by Us and the
                           You cancel after this 14 day period You will be entitled to a pro-rata             Advisor.
                           refund provided no claims have been made, in which case no                    j)   You are responsible for any Advisor’s Fees if You withdraw
                           refund will be due.                                                                from the Legal Action without Our prior consent. Any costs
                           We reserve the right to cancel the policy by providing 21 days prior               already paid by Us will be reimbursed by You.
                           written notice by registered post to Your last known address. Any             k) You must instruct the Advisor to provide Us with all
                           premium will be calculated in accordance with the above.                         information that We ask for and report to Us as We direct
                                                                                                            at their own cost.
                           2. Claims
                                a) You must notify claims as soon as reasonably possible             Our right to information
                                   once You become aware of the incident and within no more          We will have direct access to the Advisor at all times and You will
                                   than 180 days of You becoming aware of the incident.              co-operate fully with Us and keep Us informed of all material
                                   There will be no cover under this policy if, as a result of a     developments. We will be entitled to obtain any information, copy
                                   delay in reporting the claim, Our position has been               document, account or correspondence relating to the proceedings,
                                   prejudiced. You can complete and submit Your claim form           whether or not it is privileged and You will give any instructions to
                                   online by visiting www.arclegal.co.uk/informationcentre.          the Advisor which might be required immediately. We will be
                                   Alternatively, We will send You a claim form which must be        notified as soon as reasonably possible by You or the Advisor of
                                   returned promptly with all relevant information.                  any offer or payment into court made with a view to settlement. If
                                b) We may investigate the claim and take over and conduct            any offer or payment into court is not accepted by You but We
                                   the Legal Action in Your name. Subject to Your consent            reasonably consider the outcome of the proceedings to be equally
                                   which shall not be unreasonably withheld We may reach a           or less favourable to You than the offer of payment, We will have no
                                   settlement of the Legal Action.                                   liability in respect of any further Advisor Costs unless We have
                                                                                                     given Our agreement for proceedings to continue. If You are not
                                c) You must supply at Your own expense all of the                    satisfied with Our decision, the dispute must be resolved under the
                                   information which We reasonably require to decide                 terms of the disputes condition below.
                                   whether a claim may be accepted.
                                                                                                     Co-operation
                                d) If it becomes necessary to start court proceedings or a           You will co-operate with Us at all times and reply promptly to any
                                   conflict of interest arises, and You wish to nominate an          correspondence connected with Your case.
                                   Advisor to act for You, You may do so. Where You have
                                   elected to use an Advisor of Your own choice You will be          Investigation of Your case
                                   responsible for any Advisors’ Fees in excess of Our               We may Ourselves, or through Our servants, agents, solicitors or
                                   Standard Advisors’ Fees. The Advisor must:                        accountants, make Our own investigations into Your case and may,
                                                                                                     subject to Your approval which will not be withheld unreasonably,
                                     i.) Confirm in writing that he or she will co-operate with
                                                                                                     attempt to reach a settlement of the proceedings.
                                         You to enable You to keep to the terms of this insurance.
                                     ii.) If We and You cannot agree with Your choice of Advisor,    Assessment of bills
                                          You may suggest another. If We still cannot agree upon     If We request it, You will instruct the Advisor to submit their bill of
                                          a suitable Advisor, We shall ask the Law Society to        costs for assessment by the court or by the appropriate
                                          choose a solicitor to act. Both We and You must accept     professional body.
                                          their decision.
                                                                                                     Recovery of costs from third parties
                                e) If Your Professional Advisor refuses to continue acting for       You will, whenever reasonably possible, attempt to recover costs
                                   You for reasonable cause or You discontinue Your                  from a third party and will instruct the Advisor accordingly.
                                   instructions then Our liability will stop at once unless We
                                   agree to the appointment of another Advisor.                      Agreement
                                                                                                     We will not be bound by any agreement to which We are not a party.
                                f)   The Advisor will:-
                                                                                                     Disputes
                                     i.) Provide a detailed view of Your prospects of success        In the event of any dispute arising between You and Ourselves
                                         including the prospects of enforcing any judgement          which cannot be resolved in accordance with Our complaints
                                         obtained.                                                   procedure or where provision has not already been made, the
                                     ii.) Keep Us fully advised of all developments and provide      dispute will be promptly referred by You for the arbitration of a
                                          such information as We may require.                        single arbitrator who must be either a solicitor or a barrister
                                                                                                     nominated by the parties or, failing agreement, by the Law Society.
                                     iii.) Keep Us regularly advised of Advisor’s Fees incurred.     Any arbitration will be in accordance with the provisions of the then
                                     iv.) Advise Us of any offers to settle and payments in to       current arbitration acts and will be binding on both parties. The
                                          court. If contrary to Our advice such offers or payments   costs will be at the discretion of the arbitrator.
                                          are not accepted there shall be no further cover for       Prospects of Success
                                          Advisor’s Fees unless We agree in Our absolute             At any time We, on behalf of the Insurers may form the view that
                                          discretion to allow the case to proceed.                   You do not have a reasonable prospect of success in the action they
                                     v.) Submit bills for taxation or certification by the           are proposing to take or are taking. If so, We may decline support
                                        appropriate body if requested by Us.                         or any further support. In forming this view We may take into
                                                                                                     account:-
                                     vi.) Attempt recovery of costs from third parties.
                                                                                                         a.) The amount of money at stake
                                                                                                         b.) The fact that a person without legal costs insurance would
                                                                                                             not wish to pursue this matter




                           14
CARAVAN LEGAL PROTECTION


    c.) The prospects of winning the case                               The Financial Ombudsman Service contact details are:
                                                                        Financial Ombudsman Service
    d.) The prospects of being able to enforce a judgment
                                                                        South Quay Plaza
    e.) The fact that Your interests could be better achieved in        183 Marsh Wall
        another way.                                                    London




                                                                                                                                             CARAVAN LEGAL PROTECTION
                                                                        E14 9SR
Applicable Law                                                          Tel 0800 234 567
You and We are free to choose the law applicable to this insurance
contract. Unless We specifically agree to the contrary this             Email complaint.info@financial-ombudsman.org.uk
insurance will be governed by English law. If there is any dispute
                                                                        Compensation
as to which law applies it shall be English law.
                                                                        We are covered by the Financial Services Compensation Scheme. If
Language                                                                Your business turnover is below £1,000,000, You may be entitled to
The language for contractual terms and obligations will be English.     compensation from the scheme if We or the Insurer are unable to
                                                                        meet Our obligations. Your entitlement to compensation will
Contracts (Rights of Third Parties) Act 1999                            depend on the circumstances of the claim. Further information
A person who is not a party to this contract has no rights under the    about compensation scheme arrangements is available at
Contracts (Rights of Third Parties) Act 1999 to enforce any term of     http://www.fscs.org.uk/.
this contract.
                                                                        Authorisation
To make a claim                                                         Arc Legal Assistance Ltd is authorised and regulated by the
As soon as You have a legal problem that You may require                Financial Services Authority. Our FSA Register number is 305958.
assistance with under this insurance You should telephone the           You can check this on the FSA’s register by visiting the website
legal advice line.                                                      www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

In general terms, You are required to immediately notify Us of any      Inter Partner Assistance (IPA) is a branch of Inter Partner
potential claim or circumstances which may give rise to a claim. If     Assistance SA (IPA SA) incorporated in Belgium. IPA SA is
You are in doubt whether a matter constitutes a notifiable claim or     authorised by the Commission Bancaire, Financere et des
circumstance, contact the legal advice line for assistance.             Assurance (CBFA) in Belgium (their regulatory arm) and regulated
                                                                        by the Financial Services Authority here in the UK. Their FSA
Telephone advice line                                                   Register number is 202664.
Use the 24 hour advisory service for telephone advice on any
private legal problem of concern to You or any member of Your           IPA is a member of the Association of British Insurers
household.                                                              IPA address details are:
Specialist lawyers are at hand to help You. If You need a lawyer or     Inter Partner Assistance
accountant to act for You and Your problem is covered under this        The Quadrangle106-118 Station Road
insurance, the advice line will ask You to complete a claim form. If    Redhill
Your problem is not covered under this insurance, the advice line       Surrey
may be able to offer You assistance under a private funding             RH1 1PR
arrangement.                                                            Registered No: FC008998

Simply telephone 0844 770 1040 and when prompted quote
“Swinton Caravan Legal Protection.”

Data Protection Act
The details of Your insurance cover, claims and You will be held by
Us and or the Insurers for underwriting, processing, claims
handling and fraud prevention subject to the provisions of the Data
Protection Act 1998.

Customer Service
We aim to get it right, first time, every time. If We make a mistake,
We will try to put it right promptly.
If You are unhappy with the service that has been provided, You
should contact Us at the address below. We will always confirm to
You, within five working days, that We have received Your
complaint. Within four weeks You will receive either a final
response or an explanation of why the complaint is not yet resolved
plus an indication of when a final response will be provided. Within
eight weeks You will receive a final response or, if this is not
possible, a reason for the delay plus an indication of when a final
response will be provided. After eight weeks, if You are not
satisfied with the delay and Your business turnover is below
£1,000,000, You may refer Your complaint to the Financial
Ombudsman Service. You can also refer to the Financial
Ombudsman Service if You cannot settle Your complaint with Us.
Our contact details are:
Arc Legal Assistance Ltd
PO Box 8921
Colchester
CO4 5YD
Tel 0844 770 9000
Email enquiries@arclegal.co.uk




                                                                                                                                       15
PUTTING YOUR SECOND HOME FIRST

SAFEGUARD IS A DIVISION OF SWINTON GROUP LIMITED, REGISTERED IN ENGLAND NUMBER 756681. CONNECTED FOR THE PURPOSES OF THE
INSURANCE COMPANIES REGULATIONS 1994 TO MMA INSURANCE PLC AND GATEWAY INSURANCE COMPANY LIMITED. AUTHORISED AND REGULATED BY
THE FINANCIAL SERVICES AUTHORITY.

REGISTERED OFFICE: SWINTON HOUSE, 6 GREAT MARLBOROUGH STREET, MANCHESTER M1 5SW

SAFEGUARD ADDRESS: SAFEGUARD, 6 WOODSIDE HOUSE, 261 LOW LANE, HORSFORTH, LEEDS LS18 5NY

WWW.SAFEGUARDUK.CO.UK                                                                                      SG/TCPW/B/V1 0411

				
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