Product Disclosure Statement

Section 1 - Loss or damage to your caravan or your annexe (optional)

Definition of your caravan
The caravan or trailer shown in your schedule, including:

• any of its fixtures and fittings,
• standard equipment fitted by the original manufacturer for the particular make and model of caravan,
• any accessories or optional extras included in the agreed value,
• gas cylinder(s),
• for on-site only cover, tropical and free standing roofs and garden sheds located on the site of the insured unregistered on-site caravan. See Section 5 - Optional Covers for more details of on-site only cover.

When you have insured your trailer, your caravan means the trailer shown on your schedule.

Your caravan must be structurally sound, water tight and well maintained.

Your caravan does not include your annexe.

Definition of your annexe
Your annexe means the structure designed to be attached to your caravan for the purpose of providing additional accommodation, and which is noted in the schedule.

This Section 1 only provides cover for loss or damage to your annexe if you tell us about it and it is noted on your schedule.

What is not a caravan

• a motorised caravan,
• a motorhome or a converted bus, or
• a semitrailer.

What we cover

We cover loss or damage to your caravan or your annexe (if shown on your schedule) if:

• that loss or damage is caused by one or more of the events shown under “events we cover”, and
• the event occurs during the period of insurance, and
• the loss or damage is not excluded by the “what we do not cover” section.

Events we cover

• accident,
• theft or attempted theft,
• fire,
• storm,
• flood,
• malicious damage,
• hail,
• any other event that is not excluded by the policy terms and conditions.

What we do not cover
We will not pay for:

• more than the agreed value (unless we state otherwise).
• repairs that are done without first getting our written consent other than emergency repairs (see "Additional Benefits" for more details).
• theft or attempted theft of fixtures and fittings of your caravan if:
  - it is not securely locked, or
  - there is no physical evidence of forcible and violent entry.
• theft, attempted theft of or malicious damage to your caravan or your annexe by someone who is using your caravan with your consent.
• theft or attempted theft of your annexe:
  - if you leave it unattended anywhere for 8 or more consecutive days except at a caravan park that has a resident manager, or
  - while your annexe is not erected and not securely locked away.
• loss of or damage to your caravan or your annexe caused when erecting, dismantling, modifying or repairing your annexe.
• loss or damage that is excluded in the “when we may refuse a claim” section (see Claims).
• loss of or damage to your caravan or your annexe caused by actions or movements of the sea (including storm surge) or tidal wave.
• loss of or damage to your annexe caused by a named cyclone, if your annexe does not have a hard roof and hard walls.
• loss of or damage to your caravan caused by a named cyclone where on-site cover is shown in your schedule and your caravan is not securely anchored to the ground in compliance with any by-law or ordinance in force at the time.
• your caravan or your annexe being misplaced and unable to be located (excluding if it was stolen).
• damage not caused by the event you are claiming for.
• the cost of fixing faulty repairs that were done before this policy was taken out.
• wear and tear, gradual deterioration, corrosion, rusting or depreciation.
• mechanical, structural, gas, electrical or electronic breakdown, failure or breakage.
• tyre damage caused by punctures, bursts, road cuts or applying brakes.
• stone chips or tar flecks from the road.
• loss or damage caused by you failing to protect your caravan after it:
  - breaks down,
  - is damaged in an accident, or
  - is stolen and later found.
• loss that occurs because you cannot use your caravan, including financial loss or compensation.
• loss or damage due to wear and tear and deterioration of roof or body seals.
• damage to or loss of use of lighting or heating elements, fuses or protective devices.
• the cost of repairing or replacing any defective or faulty product, appliance or part.
• loss or damage to your caravan or your annexe while your caravan is being transported by road (excluding when your caravan is being towed), rail or sea, if you have not selected the optional cover of “Transporting your caravan” shown in Section 5 - Optional Covers and this is not shown in your schedule.
• loss of or damage to your caravan if at the time of the loss or damage you have hired out your caravan for reward if you have not selected the optional cover of “Hire Use” shown in Section 5 - Optional Covers and this is not shown in your schedule.
• loss or damage caused by an electrical fault in the wiring of your caravan if the wiring does not comply with the Standards Association Code for Electrical Installation in Caravans.
• loss of or damage to your caravan caused by manufacturing faults, faulty repairs and workmanship not authorised by us or faulty warranty repairs.

Caravan electrical motor burnout cover

What we cover
We will pay to repair or replace any motor in a household electrical machine or appliance, but only if:

• the electrical machine or appliance forms part of your caravan or your annexe, and
• the motor is burnt out during the period of insurance by an electric current while the electrical machine or appliance is in your caravan or in your annexe.

How we settle on electrical motor burnout claims
We will choose to:

• repair the motor, or
• get you a replacement motor, or
• pay you the depreciated value of the motor, or
• pay you the amount it would cost us to repair or replace the motor.

What we do not cover
We do not cover motors that are more than 15 years old.
We will not pay:

• to replace fuses or protective devices, contacts, lighting or heating elements, starter switches, other parts where sparking or arcing occurs during their ordinary use, or
• for loss of use of or damage to mechanical parts of any description that occurred as a result of the motor burning out, or
• the costs of hiring a replacement appliance or machine.
• We will also not pay if the loss or damage is excluded in the “when we may refuse a claim” section in Claims.

How we settle partial loss or damage claims

What we pay
Where we pay a claim for partial loss or damage we may choose to:

• repair your caravan or your annexe, or any part of them, or
• replace any part of your caravan or your annexe, or
• pay you what it would cost us to repair or replace your caravan or your annexe, or any part of them.

If we pay you any claim for partial loss or damage, your agreed value under this policy remains at the same amount as it was before you made your claim.

Matching materials
When repairing your caravan or your annexe, we will try to match materials with those originally used. However, where it is not possible we reserve the right to pay for the nearest equivalent or similar materials.

Parts not available in Australia
For parts, accessories and awnings that we agree to replace that are not readily available in Australia, we will only pay the last list price of these items in Australia, or the cost of similar comparable items, plus the reasonable cost of fitting.

Items that form part of a set
Where an item forms part of a set, we will only pay the replacement value of that item, we will not pay to replace the entire set.

Lifetime guarantee for repairs
If we repair your caravan or your annexe, we will guarantee the repairs made under a claim against any defect due to workmanship or faulty material for the life of your caravan or your annexe while it is still owned by you.

The most we will pay
The most we will pay is the lesser of:

• the quote from the repairer you choose with any adjustments made by our assessor, or
• the agreed value.

What we will not pay
We will not pay for:

• any consequent loss that occurs directly or indirectly as a result of a loss, or for any repair or replacement that results in an improvement of the property’s condition compared to its condition immediately prior to the loss, or
• any undamaged panel, sheeting, cladding (whether internal or external) that cannot be matched to the replacement material, or
• matching materials in order to achieve a uniform effect.

How we settle a total loss of your caravan

If you are not eligible for or do not want new caravan replacement (see below), when your caravan is a total loss (including when it cannot be economically repaired) we will pay the total finance amount that you owe on your caravan to the financier up to the agreed value, and then pay you the balance of the agreed value (if any), less the excess, that applies. If your caravan is not financed, we will pay the agreed value, less the excess (if any), that applies.

New caravan replacement if your caravan is a total loss
We will replace your caravan if a total loss of your caravan:

• occurs within 2 years of the date your caravan was first registered, and
• the agreed value of your caravan is not less than the purchase price of your caravan, and
• you want us to, and
• any finance company with an interest in your caravan gives its consent.

We will replace your caravan with a new caravan of the same make and model (or similar if it is no longer available), including similar fixtures and fittings, tools and spare parts (all subject to local availability).

The replacement caravan must be locally available. If it is not locally available, we will pay the agreed value.

We will also pay the following costs on your new caravan replacement:

• statutory charges, and
• dealer delivery charges.

We will pay any additional costs for:

• the first 12 months registration costs, and
• any statutory compulsory insurance where applicable.

Remember, we will require you to pay us any total excess that may apply.

You must recover any refundable unexpired registration and statutory compulsory insurance on your caravan and pay this amount to the dealer.

The end of the policy following a total loss
Once a claim has been paid for a total loss of your caravan, your policy ends. You will not be entitled to any refund of premium.

Instalment policies
If your caravan is a total loss and you pay your premium by instalments, we will deduct any remaining instalments from the amount of the claim before we pay it to you. Alternatively, we may require you to pay the outstanding balance of your premium before we settle your claim.

Total loss of your annexe

We will pay up to the agreed value of your annexe, less any excess, when your annexe is a total loss. However, if your annexe is a total loss and more than 5 years old, we will only pay you the current value of your annexe, which may be less than the agreed value. The current value of your annexe is based on the age and condition of your annexe at the time of loss or damage.

End of annexe cover on total loss of your annexe
If we pay a claim for the total loss of your annexe, any replacement annexe will be uninsured unless you ask us to insure it and pay us any premium we require.

More Details
For further details on how we pay claims under Section 1, 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.

Additional benefits

Below are listed a number of additional benefits to assist you when we agree to pay a claim under Section 1 (except benefit 7 where your caravan does not need to be damaged). All of the limitations, exclusions and conditions of this policy apply to the additional benefits, unless the benefit says otherwise.

1. Removal and storage
We cover Removal and storage of your caravan
When Your caravan cannot be towed following loss or damage.
Limit We will pay the reasonable costs to have your caravan removed and stored.
We do not cover Storage costs for any period after your claim is settled.

2. Emergency repairs
We cover Following loss or damage to your caravan we will cover emergency repairs that are required to allow you to tow your caravan.
Limit The most we will pay is $500 unless repairs have been approved by us before being completed.

3. Returning your caravan to you after repair
We cover We will return your caravan to you once repaired following loss or damage.
When Your caravan has been repaired at repairer’s premises that is over 100 kilometres from your usual home.
Limit We may choose to either:

• pay you the reasonable cost of travel to collect your caravan, or
• arrange to have your caravan delivered to you after repairs have been completed.

4. Cost of alternative temporary accommodation if your caravan is not your usual home
We cover If loss or damage occurs to your caravan, where it cannot be towed or is not fit to stay in and it is not your usual home, we will pay the cost of temporary accommodation.
When If the loss or damage occurs more than 100 kilometres from your home.
Limit We will not pay more than $100 per day or more than $500 in total for all claims in each period of insurance.
We do not cover This benefit will cease once the caravan has been replaced or the repairs have been completed.

5. Cost of alternative temporary accommodation if your caravan is your usual home
We cover If loss or damage occurs to your caravan, where it cannot be towed or is not fit to stay in and it is your usual home, we will pay the cost of temporary accommodation.
Limit We will not pay more than $100 per day or more than $2,000 in total for all claims in each period of insurance.
We do not cover This benefit will cease once the caravan has been replaced or the repairs have been completed.

6. Unexpired registration
We cover We will pay you the unexpired portion of the paid registration on your caravan.
When Following a total loss of your caravan.
We do not cover We will not pay if the unexpired registration can be recovered from the appropriate authorities.

7. Your liability under maritime law
We cover If you are travelling with your caravan by sea between places within Australia we will cover you for your liability under maritime law for the following:

• general average. General average means that if a ship’s captain finds it necessary to sacrifice some of the cargo to save the ship, the owners of the remaining cargo must contribute towards the loss suffered by the other owners.
• salvage charges. Salvage charges means costs incurred in recovering a marooned or disabled ship.

You may be liable for these costs even if your caravan is not damaged. We provide this benefit even if your caravan is not damaged.

Limit We will not pay more than the agreed value of your caravan.

8. Damaged food
We cover When we pay a claim for loss of or damage to your caravan, we will pay for food that is damaged by the same event and cannot be eaten.
Limit We will not pay more than $300 in total for the damaged food.
We do not cover We will not pay if food cannot be eaten due to:

• interruption to the electricity supply as a direct result of a strike, or
• you or your family causing frozen or refrigerated food to spoil, or
• odour or residue caused by food spoilage.

We will also not pay for loss or damage to the refrigerator or freezer caused by food spoilage.

9. Removal of debris
We cover If we agree to pay a claim for loss or damage to your caravan, we will pay the reasonable costs incurred in the removal of debris.
Limit We will not pay more than $5,000 in total for any one event.

10. Tools and spare parts
We cover When we pay a claim for loss or damage to your caravan, we will also cover loss or damage to tools and spare parts for your caravan in or on your caravan. 
Limit We will pay up to $250, in total.
We do not cover We will not cover loss of or damage to any tools not supplied by the manufacturer of your caravan as original equipment.  

Additional Features

The following additional features apply to Section 1. All of the limitations, exclusions and conditions of this policy apply to the additional features, unless the feature says otherwise.

1. Returning your caravan
We cover We will pay the reasonable costs of returning your caravan to your home.
When

• the vehicle towing your caravan is involved in an accident, more than 100 kilometres from your home, and cannot be driven, or
• due to illness or injury suffered more than 100 kilometres from your home, you become unable to drive the vehicle towing your caravan.

Limit We will pay up to $5,000, in total.
We do not cover We will not pay:

• to return your caravan if in the case of illness or injury, you do not provide a medical certificate establishing that you, or all of you in the case of multiple insureds, were unable to drive the towing vehicle.
• if your claim is excluded by the “when we may refuse a claim” section in Claims.

2. Purchase of a replacement caravan
We cover If you sell your caravan and purchase a replacement, we will insure your replacement caravan under this policy for 14 days from the date of purchase.
When We will only continue to insure your new caravan after 14 days if:

• you give us the details about the caravan, and
• we agree to cover it, and
• you pay any extra premium that is required.

Please remember, the replacement caravan is only covered when the caravan it is replacing has been sold.

Limit If the replacement caravan is lost or damaged within 14 days of its purchase date we will not pay more than the purchase price of the replacement caravan in the event of a claim.
We do not cover We will not pay if your claim is excluded by the “when we may refuse a claim” section in Claims.