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Touring Caravan Cover Comparison - My Insurance Quotes

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Touring Caravan Cover Comparison - My Insurance Quotes Powered By Docstoc
					                                                               Touring Caravan Cover Comparison                                                            MyInsurance
                                                             Note: This represents a summary of the core elements of cover only, for full details please
                                                             view the Policy Summary and Policy Wording documents as well as specific terms detailed       Heatherlands House,Headley Road,Hindhead,GU26 6TN
                                                                               on each respective insurers’ Policy Information page.                       Tel: 0844 770 6680
                                                                                                                                                           Email: info@myinsurancequotes.co.uk


COVER DETAILS                      AmTrust (formally IGI)                                K Drewe                                My Caravan Insurance                              Towergate
Definition of caravan         All contents including standard           Contents and personal effects ex:               Contents including personal effects,         Contents and personal effects ex:
contents                      caravanning equipment, personal              Money, jewellery etc, photographic          clothing and luggage, audio and visual          Money, jewellery, firearms, wines,
                              possessions,& other items such as             equipment etc, binoculars, mobile           equipment, sports equipment ex:                  spirits, and tobacco etc
                              cycles/portable motor movers ex:              phones, computers, cycles,                      Valuables, personal money, credit           photographic equipment etc,
                                  Money, valuables, firearms,              waterborne craft or other vehicles               cards, collections, works of art etc        contact lenses, sports equipment
                                   wines, spirits, tobacco etc             Fixtures, fittings & equipment                                                               and pedal cycles
                                                                            (included as part of Caravan)                                                               Items > 50% of sum insured
Core cover                    Yes, but excluding theft of:              Yes, but excluding:                             Yes, but excluding:                          Yes, but excluding:
Fire, lightning, explosion,      Contents where no forcible and           Loss/damage caused by flood                    Any loss of contents whilst the             Theft of contents where no forcible
earthquake, malicious             violent entry to caravan                  within 7 days of commencement                   caravan is not in use                        and violent entry
damage/vandalism, storm,         Contents outside caravan                 Theft of contents where no forcible            Theft of contents if no forcible and        Damage whilst caravan not in use
flood or theft                    (unless within awning)                    and violent entry                               violent entry to caravan whilst the          and not at home/storage address
                                 Caravan whilst not in use and not        When caravan not used for 7 days                caravan is in use
                                  at home/storage address                   and not at home/storage address                Damage to the awning due to
                                 Electrical/electronic equipment          Damage to erected awning when                   weather conditions
                                  whilst not in use (i.e. in storage)       caravan unoccupied for 7+ days
Accidental damage             Yes, but excluding damage:                Yes, but excluding:                             Yes, but excluding damage:                   Yes, but excluding damage to:
                                 To contents & valuables                  Loss/damage caused by flood                    To contents whilst not in use               Caravan whilst not in use and not
                                 Resulting from using generators           within 7 days of commencement                                                                at home/storage address
                                                                           Caravan not used for 7 days and
                                                                            not at home/storage address
“New for Old” cover             Available where < 5 years old and           Available where < 10 years old                    Available where < 5 years old               Available where < 5 years old
                                          bought as new
“Market Value” cover             Where required or “New for Old”         Where required or “New for Old” cover           Where required or “New for Old” cover        Where required or “New for Old” cover
                                      cover does not apply                         does not apply                                  does not apply                               does not apply
Public Liability                           £2,000,000                                £2,000,000                                      £2,000,000                                   £2,000,000
Emergency recovery              Yes, reasonable additional costs            Yes, reasonable additional costs                 Yes, reasonable additional costs            Yes, reasonable additional costs
Loss of use/hire charges        “Economy” policy – not included              Yes, £50 per day up to £1,500                   Yes, £75 per day up to 15 days               Yes, up to 5% of sum insured
                              Other policies - £75 per day - 14 days
Authorised users, loan,       “Economy” policy - insured & spouse        Use by family and friends permanently            Use by family permanently living with             Use by family and friends
lease & hire cover            “Family” policy - extended family use                 living with you                                       you
                                “Solo” policy - insured & spouse
Min. security – attached                   Wheel clamp                  Hitchlock or wheel clamp (if unattended                             None                                  Wheel clamp
                                                                                for more than 2 hours)
Min. security – detached           Wheel clamp and hitchlock                   Hitchlock or wheel clamp                          Hitchlock or wheel clamp              Wheel clamp and other as required
Continental use                 “Economy” policy - UK use only          Yes, max 180 days per year (excludes            Yes, max 90 days per year (Republic of                    Yes, unlimited
                              “EU” policy - max 240 days per year        certain Eastern European and former            Ireland and Continent of Europe)
                                   “UK” policy - UK use only            Soviet countries - see Policy Summary)
Personal Accident                             No                          Yes – up to £20,000 (aged 16-70)                                   No                                        No

				
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