CARAVAN INSURANCE
Insurance Product Information Document
Company: The Insurance Emporium, trading name of The Equine and Livestock Insurance Company
Limited
Product: Static Caravan
The Insurance Emporium is a trading name of The Equine and Livestock Insurance Company Limited - registered in England and Wales no: 294940
– registered office Thorpe Underwood Hall, Ouseburn, York, YO26 9SS – The Equine and Livestock Insurance Company Limited is authorised by
the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority no: 202748
This Insurance Product Information Document is only intended to provide a summary of the main coverage and exclusions, and is
not personalised to your specific individual needs in any way. Complete pre-contractual and contractual information on the product
is provided in other documents; your sum insured is shown on your Policy Schedule.
What is this type of insurance?
The policy primarily provides cover for theft, loss or accidental damage of your static holiday caravan.
What is insured?
Loss or damage to the holiday caravan,
specified equipment, contents and personal
belongings by fire, flood, storm, vandalism or
theft.
Accidental damage, fire, vandalism or theft of
the specified awning.
Replacement of your stolen, lost or accidentally
damaged holiday caravan with a new one of the
same make or model.
Reasonable alternative accommodation or hire
of a holiday caravan whilst yours is being
restored to a habitable condition.
Removal and delivery.
Ground rent whilst your holiday caravan is
uninhabitable.
Accidentally damaged panels, sanitary ware,
mirrors and glass, televisions and audio
equipment.
Accidental loss of keys / damages to locks.
Loss or damage of freezer food.
Your legal liability to others for compensation
and costs arising from your ownership or use of
the holiday caravan.
Death following bodily injury caused by fire or
assault by thieves whilst present in your holiday
caravan.
Family member cover.
Friends cover (UK only)
Optional Benefits:
➢ Special Occasions.
➢ Emergency Services Damage.
➢ Sports Equipment.
➢ Gadgets and Mobile Phones: Lost, stolen or
accidentally damaged or damaged by liquid.
➢ Dog Emergencies: if, whilst on holiday in your
holiday caravan, your dog:
o falls ill - emergency vet’s fees cover; or
o dies; or
o is stolen or strays.
What is not insured?
Any loss or damage occurring as a result of
flooding if the site has been prone to flooding
in the past.
Storage costs.
Any claims where the security requirements
have not been complied with.
New for old if your holiday caravan sum insured
is less than the replacement value.
Loss or damage to an awning by weather
conditions.
Freezer food: Loss or damage resulting from
the deliberate act of any power supply
authority or the withholding or restricting of
power by such authority.
Death or bodily injury, loss or damage to
property owned by you or any person using the
holiday caravan with your permission or
consent.
Any claim arising as a result of a pre-existing
condition.
Death not occurring within 365 days and as a
direct result of the incident causing the injury.
Costs not supported by a receipt or invoice.
We do not cover any loss, injury, damage,
illness, death or legal liability, directly or
indirectly, caused by, happening through, in
consequence of or contributed to by:-
influenza, notifiable disease, virus, bacteria,
contagion, epidemic and/or pandemic.
Policy excess.
Optional Benefits:
➢ Any claims where the security requirements
have not been complied with.
➢ Any gadget or mobile phone more than 3 years
old when cover begins.
➢ Any form of cosmetic damage.
➢ Theft by a person or persons to whom the
gadget or mobile phone was entrusted.
➢ Dog emergencies: injury, illness or condition
which existed before the insurance began or
reviews.
➢ Dog emergencies: injury, illness or condition
which displayed clinical signs within 14 days of
the start of your policy.
➢ Policy excess.
Are there any restrictions on cover?
! Gadgets – restricted to 2 claims every 365 days.
! Mobile phones – restricted to 1 claim every 365 days.
! Losses which are not expressly covered by the terms
and conditions
! Any claim where the caravan is situated on a working
farm.
! Business use, hiring or lending out unless specifically
endorsed in your policy schedule.
! Claims that are wholly or partially false, exaggerated,
or fraudulent.
! Claims that are directly or indirectly connected with,
or arise from, a malicious, wilful, or criminal act or
omission by:
o you or someone acting on your behalf; or
o someone caring for or in control of your holiday
caravan, equipment, contents, personal
belongings, gadget or mobile phone or dog; or
o a member of your family, or someone who lives
with you whether as a cohabitee, tenant or on any
other basis; or
o your agents, employees, licensees, guests;
and/or
o any other person who is in a contractual or
business relationship with you.
Where am I covered?
This policy covers any damage, loss or liability arising within the United Kingdom, Channel Islands and Isle of Man.
What are my obligations?
You must tell us about every event, fact or occurrence that might influence our decision to enter into or renew this contract
of insurance; and, if so, on what terms. If you have something of this kind to tell us about, you must do so in good time
before we enter into or renew this contract. If you are in any doubt about whether a fact is material, you should disclose
it.
On discovering any event giving rise or likely to give rise to a claim under the policy, you must notify us immediately giving
full details. It is your responsibility to ensure that all the information submitted is correct.
When and how do I pay?
You can pay your premium annually (every 365 days), calendar monthly (every calendar month) or lunar monthly (every
28 days). Payment can be made by direct debit, credit or debit card or cheque.
When does the cover start and end?
Your cover will take effect at the date and time stated on your Policy Schedule and ends at the conclusion of your Policy
Term (as stated on your Policy Schedule and defined in your Policy Wording).
How do I cancel the contract?
You can cancel at any time. If you cancel within the first 14 days of policy inception and no claim has been made,
you will receive a full refund of any premium paid.
