Product Disclosure Statement

Section 3 - Caravan Legal Liability

What is caravan legal liability?

Caravan legal liability means that an Australian court or other judicial body finds, or we accept in writing, that as a result of an accident, you, or a person using your caravan with your permission, is legally responsible to pay compensation for:

• loss or damage to property owned or controlled by someone else, or
• the death of, or bodily injury to, another person.

Meaning of Accident
In this Section 3 accident means an accident caused by:

• you owning, using or being in charge of your caravan, or
• another person whilst using your caravan with your permission.

Meaning of Caravan
In this Section 3 caravan includes your caravan’s annexe if your annexe is shown on your schedule.

When we pay
We will pay a claim for caravan legal liability if the accident that gives rise to caravan legal liability is one that:

• occurs in Australia during the period of insurance, and
• was not expected or intended to give rise to caravan legal liability, and
• is not excluded by:

- the “when we will not pay” section, or
- the “when we may refuse a claim” section.

Most we will pay
The most we will pay is $20 million in total for all claims arising from any one incident or series of incidents arising out of one accident. This amount includes legal and other costs we agree to pay in writing as part of the claim.

Conditions
When someone other than you makes a claim for caravan legal liability they must observe the conditions of this policy in the same way that you have to.

More Details
For further details about how we pay legal liability claims, please refer to our Premiums, Excesses, Discounts and Claims Guide available at cilinsurance. com.au. A copy of this guide can be provided to you on request at no charge, if you contact us on 1800 112 481.

When we will not pay
We will not pay:

• for damage to your caravan or any other property that is owned or controlled by you
• for any liability, including liability under a contract you have entered into, which would not have been imposed by law
• if you have accepted liability without us agreeing to it first
• for damage to property that is owned or controlled by the person who is legally liable
• if at the time of the accident, or immediately before the accident, your caravan was attached to a registered motor vehicle
• if at the time of the accident, or immediately before the accident, your caravan was attached to an unregistered motor vehicle on a public roadway
• for the death of or bodily injury to:

- you or a family member
- any person covered by this policy
- any person related to you or related to a person covered by this policy
- any person who usually lives with you or with any other person covered by this policy
- any person who resides at the address shown on your schedule
- your employees or the employees of any other person covered by this policy if the accident that gives rise to the liabiliy arises out of or in the course of their employment

• where the caravan legal liability is required to be insured by any law or statute
• for legal or other costs incurred without our agreement
• for caravan legal liability if you have hired out your caravan for reward (except if the “Hire Use” option is chosen and shown on your schedule).

We will also not provide cover for:

• any penalties, fines or punitive, exemplary, multiple or aggravated damages
• actions brought in a court or other judicial body outside Australia or in a court or other judicial body that does not apply law of an Australian state or territory
• this Section 3 if we have agreed that you have a claim under Section 4.