Claims

Secure^TM Caravan Insurance Product Disclosure Statement

When we may refuse a claim

We may refuse a claim for any of the following reasons. We have divided these reasons into separate parts.

The parts below show those exclusions that relate to:
Part 1 – your actions or your failure to act
Part 2 – the actions of the driver or person towing your caravan
Part 3 – the caravan at the time of the loss or damage
Part 4 – the loss, damage or legal liability.

Part 1 – Your actions or your failure to act
We may refuse to pay a claim or reduce the amount payable under this policy if:

there has been a change in the risk, unless you inform us of it and we have agreed in writing to cover it under the policy.
you do not comply with your duty of disclosure.
when applying for this insurance or when making a claim you:

- are not truthful,
- have not given us full and complete details, or
- have not told us something when you should have.

you do not at all times:

- protect your caravan, your annexe and your contents against any initial or further loss or damage,
- keep your caravan in good condition,
- obey any laws or regulations that safeguard people or their property,
- you do not give us the documents and information we may need to assist with our decision in relation to a claim,
- co-operate with enquiries & give assistance, especially where claims are under investigation.

you do any of the following without us agreeing to it first:

- make or accept any offer or payment, or in any other way admit you are liable,
- settle, or attempt to settle any claim, or
- defend any claim.

you agree not to seek compensation from a person who is liable to compensate you.
you do not as soon as possible make a report to the police about:

- any accident involving your caravan (if the law requires you to report the accident),
- any malicious damage, or
- any theft or attempted theft.

Part 2 – The actions of the driver or person towing your caravan
We may refuse to pay a claim under this policy if:

your caravan is being towed by any person who:

- is under the influence of alcohol or of any drug, or
- has a blood alcohol level in excess of the legal limit prescribed by the law applying in the State or Territory where the accident or event occurs, or
- refuses to allow police to conduct a breath or blood test for the purpose of determining the blood alcohol content, or
- refuses to allow police to conduct a random drug test, or
- refuses to accompany police and undergo a drug test, for the purpose of determining whether a driver has recently consumed illicit drugs.

This exclusion will not apply if your caravan was stolen.

We may refuse to pay a claim under this policy if:

your caravan is being towed by any person:

- who is not the holder of a current driver’s licence that allows the person to drive a vehicle for the purpose for which it is being used, or
- who does not comply with all conditions imposed on their licence.

This exclusion will not apply if your caravan was stolen.

We may refuse to pay a claim under this policy if:

your caravan is being towed or used other than for private use unless the Hire Option is shown on your schedule.
your caravan is being used for an unlawful purpose by:

- you, or by
- someone with permission to use your caravan.

your caravan is being used to carry flammable substances, chemicals (other than for normal domestic purposes) or explosives.

Part 3 – The caravan at the time of the loss or damage
We may refuse to pay a claim under this policy if:

your caravan is being towed while in an unroadworthy or unsafe condition.

This exclusion will not apply if you prove that:

you could not reasonably have detected the unsafe or unroadworthy condition, or
the unsafe or unroadworthy condition did not contribute to the loss, damage or liability.

We may refuse to pay a claim under this policy if:

your caravan has been converted or modified by someone other than the manufacturer and these conversion or modification details are not shown in your schedule.
your caravan is being towed while it is unregistered, or the towing vehicle is unregistered.
your caravan is being towed contrary to any law.
your caravan, or the way it is loaded, interferes with the proper control of the vehicle towing it or your caravan.

Part 4 – Loss, damage or legal liability
We do not insure you for:

loss or damage to your caravan, annexe or contents caused by animals of any kind that you own or are in your custody or control.
caravan legal liability or personal legal liability arising from the actions of animals of any kind, other than your domestic animals.
any loss, damage, caravan legal liability or personal legal liability occurring or incurred outside Australia.
any loss or damage caused by flood, a named cyclone, bushfire or grassfire occurring within 72 hours of the start of your policy, unless your policy commenced:

- the day you bought your caravan,
- or immediately after another policy covering the same caravan expired (the policy did not expire if it was cancelled) without a break in cover.

any loss, damage, caravan legal liability or personal legal liability incurred in connection with your caravan not being used for private use (unless you have hire use cover).
any loss, damage or caravan legal liability or personal legal liability intentionally caused by you or a person acting with your consent.
if you have on-site only cover, for loss or damage to your on-site caravan that occurs at a location other than the address specified on your schedule, including whilst the caravan is in transit to and from the on-site location.
loss or damage caused by a high tide or king tide.

We do not insure you under any section of this policy for loss or damage caused by, involving or arising from:

any person or organisation who lawfully destroys or takes possession of your caravan.
any war, whether it has been formally declared or not, any hostilities, uprising, insurrection, revolt, rebellion, usurped power, revolution or coup d’état, or theft or confiscation of property as a result of any of these.
radio-activity or the use, existence or escape of any nuclear fuel, nuclear material or nuclear waste.
mildew, rot, insects, moths, termites, vermin, birds and bats.
the action of trees or their roots.
the presence of asbestos or other airborne contaminants.
loss or damage to property occasioned by its undergoing any process involving the application of heat.
wear and tear, lack of maintenance or inherent defect.
any loss, damage, caravan legal liability or personal legal liability, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the caravan legal liability or personal legal liability, loss, damage, cost or expense.
any caravan legal liability or personal legal liability, loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to any act of terrorism.

Excesses payable in the event of a claim

An excess is an amount that is payable by you when you make a claim under your insurance policy. Your policy schedule will show you the actual amount(s) that apply to your policy.

We will either deduct the excess from the amount of cover under this policy and then pay you or we will require you to pay the excess to a supplier, repairer or us. We may require you to pay the excess before we settle your claim.

There are 8 types of excess that may apply to your claim:

1. Basic excess
A basic excess is an amount that is payable by you for each claim you make under your insurance policy. Your policy schedule will show you the actual amount(s) that apply to your policy.

2. Transportation excess
If the ‘transporting your caravan’ option is shown in your schedule, a transportation excess will apply in the event of a claim where your caravan is being transported by road (excluding where your caravan is being towed), rail or sea. A basic excess will also apply where applicable.

3. Hire use excess
If your caravan is hired out for the use of another party, the basic excess will be increased and the total will be shown in the schedule.

4. Age excess (drivers of towing vehicle aged 16-20 years old)
We apply an age excess if the person driving the vehicle at the time of the loss or damage, is aged 16 to 20 years old.

No age excess will apply if the claim is for:

a broken windscreen or window, or
loss or damage caused by theft, attempted theft, malicious damage, damaged whilst parked, or
damage caused directly by hail, flood, storm, and other natural disasters.

5. Age excess (drivers of towing vehicle aged 21-24 years old)
We apply an age excess if the person driving the vehicle at the time of the loss or damage, is aged 21 to 24 years old.

No age excess will apply if the claim is for:

a broken windscreen or window, or
loss or damage caused by theft, attempted theft, malicious damage, damaged whilst parked, or
damage caused directly by hail, flood, storm, and other natural disasters.

6. Inexperienced driver excess
We apply an inexperienced driver excess if the person driving the vehicle at the time of the loss or damage, is over 25 years old and has been licensed to drive for less than 2 years.

No inexperienced driver excess will apply if the claim is for:

a broken windscreen or window, or
loss or damage caused by theft, attempted theft, malicious damage, damaged whilst parked, or
damage caused directly by hail, flood, storm, and other natural disasters.

7. Off Road excess
An additional excess is payable under the policy if your caravan is damaged whilst being driven on any beach or any dirt or unsealed road.

8. Underwriting excess
An additional excess may be imposed based on a driver’s history or the overall claims experience - this will be shown in the schedule and is payable in addition to all other applicable excesses and is payable for every claim.

Excess payable for legal liability claims

If we agree to accept a claim for caravan legal liability or personal legal liability, you must pay us any excess that applies to that claim. This excess will not apply if you have already paid an excess for loss or damage to your caravan, your annexe or your contents for the same event.

Please remember, the amount of any excess that applies to your policy is shown in the schedule.

If an accident is not your fault

If we consider that an accident you are claiming for is not your fault, you will not have to pay any excess at all on your claim.

We consider an accident that occurs not to be your fault if:

we agree that it is not your fault, and
you prove that another person was completely responsible, and
you tell us that person’s name, current address and the registration number of their vehicle.

More Details
For further details about our excesses, 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.

Making a claim

Action to take in the event of loss or damage
We do understand that being involved in an accident or having your property damaged or stolen can be a traumatic experience. To assist with practical help and to allow us to settle your claim quickly and fairly, please take the following steps:

1. Avoid discussing responsibility for the accident
In the event of an accident involving injury to another person or damage to property owned by another person, avoid any discussions with witnesses or any other party involved in the accident about who was responsible.

2. Obtain details of other parties involved
Where another vehicle is involved, we need you to supply the following details:

name, current address and driving licence number of the other driver(s),
the registration number of the other vehicle, a general description of it along with a description of the damage to their vehicle,
details of any injuries, and
the name(s) and address(s) of any witness(s).

Where other property is damaged, we will need you to supply the following details:

name and postal address of the owner of the damaged property,
the address of the damaged property, along with a description of the damage to their property, and
the name(s), and address(s) of any witness(s).

3. Contact the police
The police will need to be contacted immediately and may attend the scene of an accident if:

there are injuries as a result of the accident, or
any driver involved is under the influence of alcohol or any drugs.

In any event, the police must be contacted for all loss involving malicious damage, theft or attempted theft of your caravan, your annexe or your contents, within 24 hours of the incident. If in doubt, call the police. We may require a written statement from the police confirming that the event was reported to them.

4. Contact us
Contact us as soon as possible after the accident or loss by telephoning 1800 112 481 anytime of the day or night. We will help and advise you, along with explaining the next step you should take. We may arrange to have your caravan removed and taken to the nearest repairer if it cannot be towed.

If you delay notifying us of your loss or damage, this may prejudice your claim.

Damaged or stolen property

You must keep any:

damaged property, or
stolen and recovered property

You must keep these items and let us inspect them if we need to.

Please remember that we take over your legal right to damaged property and to recover the insured property.

Evidence of ownership and value

When making a claim, you must be able to provide us with evidence of ownership and value.

Some acceptable forms of evidence are:

proof of purchase, including sales receipts, credit card or bank statements showing the purchase transaction details. The proof of purchase should include the item description or code, a purchase price, date purchased and where the item was purchased.
model and serial numbers and original instruction booklets and owner’s manuals.
service or maintenance records.
jeweller’s valuations.
photographs that clearly depict the item being used or worn by you.

If you are unable to reasonably substantiate your claim we can reduce or refuse your claim.

How we settle liability claims

If we agree you have a claim, only we have the right to:

make or accept any offer or payment, or in any other way admit you are liable,
settle, or attempt to settle any claim, or
defend any claim or represent you at an inquest, official enquiry or court proceedings.

You must co-operate with us in defending or settling your claim.

You must tell us about and send us a copy of any notice, letter, claim, writ or summons as soon as possible after you receive it.

How a claim payment is calculated

When we pay a claim we consider a number of aspects in calculating the amount payable.

These can include the:

amount of the loss or damage or liability;
excess;
agreed value;
policy limit; and
terms and conditions of the policy.

More Details
For examples on how a claim payment might typically be calculated, 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.

Goods and Services Tax (GST)

This section deals with:

how GST is part of what you have to pay us for the policy,
your obligation to tell us about any input tax credit you may have for that GST, and
how GST affects what we pay you for any claims you make and any limits on what we pay.

As part of the premium for this insurance policy, we will include GST.

Each time you make a claim under this policy, you must tell us if you are entitled to claim an input tax credit for the GST amount charged on your policy and, if you are, the proportion of the GST that you can claim as an input tax credit.

If you are entitled to claim an input tax credit for the GST included in the amount payable:
If you do not tell us that you are entitled to an input tax credit, or you give us incorrect information about the proportion of the GST you claim as an input tax credit, then you may have a GST liability for claim payments we make. Any such GST liability you have remaining when we make a cash settlement (whether it is made to you or to a third party to whom you are liable) will be your responsibility, even if you tell us your correct input tax credit entitlement after the payment has been made.

If you use the caravan, annexe or contents for business purposes and we settle your claim by making a cash payment to you, then we will reduce the amount we pay you by the amount of any input tax credit to which you would be entitled if you were to purchase replacement goods or services.

If the agreed value or the policy limit is not sufficient to cover your loss, we will only pay the agreed value or the amount of the policy limit, less any excess. We will not pay any GST in addition to this amount.

If the caravan insured is a total loss, we will not deduct any input tax credit entitlement from the amount of the agreed value shown in the schedule.

If you are NOT entitled to claim an input tax credit for the GST included in the amount payable:
If the agreed value or the policy limit is not sufficient to cover your loss, we will pay the GST that relates to our proportion of your loss, less any excess. We will pay that GST in addition to your agreed value or policy limit.

Please remember, we will apply these terms and conditions in addition to any other terms and conditions in the policy.

No claim bonus (NCB)

A no claim bonus recognises your good driving and claims history record where you have been previously insured. If you are entitled to a no claim bonus, your schedule will reflect this in the premium you are charged.

How making a claim could affect your no claim bonus
When you renew your policy, we reduce your no claim bonus for each penalty claim you make during the period of insurance. If we reduce your no claim bonus, it means your premium will increase. When you renew your policy, if you have not made a penalty claim, then your no claim bonus will not be affected.

More Details
For further details on how claims affect your NCB, 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.

If your caravan is damaged

How we deal with repairers
If your caravan is damaged and repairable, and we agree to pay for partial loss, you may choose any licensed repairer to arrange a quote to repair your caravan. We may request a second quote or arrange to move your caravan to another repairer acceptable to both of us.

Once our assessor has reviewed the quote(s), we will then authorise any repairs that are reasonably and necessarily required to repair your caravan. Any repairer we authorise to repair your caravan may sub contract some of the repairs to a person of their choice. This will usually occur for repairs that require a specialised repairer to undertake those works. You must not authorise the repair of your caravan without our prior agreement.

Any parts used in the repair of your caravan will be new or consistent with the age and condition of your caravan.

When we approve repairs, we will provide you with a lifetime guarantee on repairs against any defect due to workmanship or faulty materials following a claim, while you own the caravan.

Contribution to repairs
You might have to contribute to the cost of repairing tyres, accessories, paintwork, bodywork, interior trims or annexes affected by neglect, wear and tear, weathering, rust or corrosion.

If the repair to your items leaves them in a better condition than before they were damaged, we may ask you to contribute to the repair cost. If we ask you to contribute we will always explain why, tell you how much it will be and how to pay it.

The salvage of your annexe, contents or caravan
If we replace your annexe, or pay for the costs of replacing your annexe, your annexe that is currently insured with us becomes our property.

If we pay the costs of replacing your contents, any damaged or recovered contents become our property. When we pay for a total loss of your caravan, your caravan or its wreck becomes our property.

If you wish to purchase the salvage of your caravan we will give you first option to buy the salvage at the price established by an auction or salvage company agreed to by both of us.

If you purchase the salvage of your caravan we will contribute up to $1,000 towards moving your caravan to your residence or a place of your choice.

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