Product Disclosure Statement

Section 2 - Loss or damage to your contents

This section provides up to $1,000 automatic cover for loss or damage to your contents. If you have chosen to increase this amount and paid additional premium, the additional contents amount insured will be shown on your schedule. We do not provide any cover under this Section 2 if you have insured a trailer or horsefloat under this policy.

What are contents
Contents means any of the items listed below that you either:

• own, or
• are legally responsible for,

but only when they are:

• in your caravan, or
• in your caravan’s annexe.

Contents means any of the following items:

• removable furniture, furnishings, carpets, floor rugs
• portable household electrical appliances
• domestic appliances
• clothing and personal belongings
• money, negotiable instruments
• sporting equipment
• personal computers and any equipment that is part of or belongs to them, or
• standard purchased software (but not data of any kind or custom written software)
• cameras and photographic equipment
• watches, pieces of jewellery
• items made of or containing gold or silver
• binoculars
• bicycles.

Limits apply to a number of these contents items. Refer to the “most we will pay” section for details of these limits.

What are not contents
Contents does not mean any of the items listed below:

• any item that is included in the definition of your caravan or your annexe
• livestock, fish, birds, animals of any kind
• lawns, hedges, trees, shrubs, plants
• unregistered or unlicensed fire arms
• motor vehicles, motorcycles, motorised scooters, trail bikes, mini bikes, trailers, and any equipment that is part of or belongs to any of these
• aircraft, watercraft and any equipment that is part of or belongs to either of these
• skis, surfboards, surf-skis or wind-surfers, surf-mats, surfing equipment or diving equipment and any accessories with surfing & diving equipment
• any pictures, works of art, antiques, curios, furs, collections of stamps, medals, coins, or other collectables
• precious metals, uncut gems and stones
• bullion
• musical instruments
• tents
• mobile phones, CB radios or satellite phones
• contents kept in your caravan that you do not own or are not legally responsible for.

What we cover

We cover loss or damage to your contents if:

• that loss or damage is caused by one or more of the events shown under “events we cover”, and
• the loss or damage occurs when the contents are in your caravan or your annexe, and
• the loss or damage 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.

Most we will pay for contents
The most we will pay for loss or damage to contents is $1,000 plus the additional contents amount insured (if any) stated on your schedule. The following limits also apply:

The most we will pay is:

• $200 in total for money or negotiable instruments.
• $300 in total for bicycles.
• $500 in total for fishing equipment.
• $2,000 in total for:

- watches, and
- pieces of jewellery, and
- items made of or containing gold or silver, and
- binoculars, and
- cameras and photographic equipment.

The most we will pay for any individual content item not included in the above groups is $3,000.

Note: The most we will pay for contents is $1,000 in total unless you have increased the contents amount insured and this is stated on your schedule.

What we do not cover
We will not pay for:

• repairs that are done without first getting our written consent.
• the cost of repairing damage not caused by the accident or event you are claiming for.
• theft or attempted theft from your caravan or your annexe if:

- it does not have hard walls, or
- it is not securely locked, or
- there is no physical evidence of forcible and violent entry.

• theft, attempted theft or malicious damage by someone who is in your caravan or your annexe with your consent.
• loss of or damage to your contents caused when erecting, dismantling, modifying or repairing the annexe.
• loss of or damage to your contents that is caused by, actions or movements of the sea (including storm surge) or a tidal wave.
• loss or damage that is excluded in the “when we may refuse a claim” section (see Claims).
• loss of or damage to your contents kept in your caravan’s annexe that is caused by a named cyclone, if the annexe does not have hard walls and a hard roof.
• for a claim in respect of misplaced or lost (excluding stolen) contents.
• 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.
• loss or damage to your contents 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 contents if at the time of the loss or damage you have hired out your caravan for reward, even if you have selected the optional cover of “Hire Use”.

We do not provide any cover under this Section 2 if you have insured a trailer or horsefloat under this policy.

How we settle contents claims

If we agree to pay your claim for loss of or damage to your contents, we will choose to:

• repair or replace the item;
• pay you the amount it would cost us to repair or replace the item;
• pay you the most we will pay for that item; or
• pay you the contents amount insured.

If your content item is more than 5 years old and cannot be economically repaired, we will pay you the amount it would cost us to replace the item as depreciated. Any depreciation we apply is based on the age and condition of the item at the time of loss or damage.

We will try to match material or items used in repairing or replacing, with the original item. But if this is not possible, we reserve the right to use the nearest equivalent or similar materials or items.

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.

End of contents cover on total loss of your contents
If we agree to pay a claim for the total amount insured of your contents, your contents cover under this policy will end. You can ask us to reinstate cover for your contents for additional premium.

More Details
For further details on how we pay claims under Section 2, 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 you have an insured claim under Section 2. All of the limitations, exclusions and conditions of this policy apply to the additional benefits, unless the benefit says otherwise.

1. Damaged food
We cover When we pay a claim for loss of or damage to your contents, 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.

2. Transporting your contents to your home after a total loss of your caravan
We cover We will pay to transport your contents to your home.
When

• we pay a claim for the total loss of your caravan, and
• your caravan is more than 100 kilometres from your home at the time it becomes a total loss, and
• you are unable to transport the contents home yourself.

Limit We will not pay more than $1,000 in total to transport the items of contents.

Contents electrical motor burnout cover

What we cover
We will also 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 contents, and
• the motor is burnt out during the period of insurance by an electric current while the content item is in your caravan or your annexe.

How we settle contents 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 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.