Product Disclosure Statement
Section 5 - Optional Covers
In order for cover to be operative for any of the following options, you must have asked us to cover you for the optional cover, paid any additional premium we require and it must be shown in your schedule. All of the terms, conditions and exclusions of this policy apply to the options, unless the option says otherwise.
By choosing one of the following options, it means you have chosen to change the cover of the policy as follows:
When we pay
1. On-site only cover
We will pay for loss, damage or legal liability as detailed in Sections 1, 2, 3 and 4 under this option, but only if your caravan and your annexe (if insured) are at the location shown in your schedule when the loss or damage occurs or the legal liability arises.
We will also pay for:
- Removing debris
Where we pay for a claim, if required, we will pay the reasonable costs of removal of debris from the site.
- Temporary accommodation
If your caravan is unfit to live in following a claim for loss or damage to your caravan, we will pay the costs of alternative temporary accommodation while your caravan is being repaired or replaced. Refer to pages "Additional Benefits" in Section 1 - Loss or damage to your caravan or your annexe for details.
2. Hire use cover
We will pay for:
- loss of or damage to your caravan or your annexe as detailed in Section 1, and
- caravan legal liability as the owner of your caravan as detailed in Section 3,
if at the time of the loss or damage you have hired out your caravan for reward.
You have no cover under Sections 2 and 4 of this policy.
3. Transporting your caravan (excluding towing)
We will pay for loss of or damage to your caravan, your annexe or your contents, while they are being transported by road, rail or sea.
4. Horsefloat
Under this option, your caravan means the horsefloat shown in your schedule.
If your horsefloat is stolen or damaged and we agree to pay your claim, we will also reimburse you for the cost of hiring a horsefloat.
More Details
For further details about how we pay claims under on-site only cover, 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 the “additional benefits” listed in "Additional Benefits" in Section 1 - Loss or damage to your caravan or your annexe (except the cost of alternative temporary accommodation).
- for the “additional features” listed in "Additional Features" in Section 1 - Loss or damage to your caravan or your annexe.
- more than $1,000 for the costs of removal of debris.
We will not pay for:
- theft of your caravan or your annexe by the person hiring it unless:
- you have a written agreement for the hire signed by the person hiring your caravan and showing:
• that person’s name, address, and current drivers licence number, and
• registration number of the vehicle used for towing your caravan, and
• the date the hire ends, and
- you took reasonable care to check that the identification of the person hiring it was true, and
- your caravan was hired out for a specific period of time, and
- you immediately reported the loss to the police, and
- you have taken all reasonable steps to locate your caravan and the person who hired it, and
- your caravan and the person who hired the caravan cannot be found within 3 months of you reporting the loss to us.
We will not pay for:
- theft of fixtures and fittings from your caravan unless the entire caravan is stolen and we agree to pay a claim for it
- loss of or damage to your caravan caused by the malicious acts of someone who:
- hires your caravan, or
- is using your caravan with your consent or the consent of the person who hires your caravan
- alternative temporary accommodation, as shown "Additional Benefits" in Section 1 - Loss or damage to your caravan or your annexe, if the Hire Use option is chosen and is shown in your schedule.
- loss of or damage to your annexe if your annexe does not have a hard roof and hard walls.
- loss of or damage to your contents under Section 2 of this policy if you hire out your caravan.
We will not pay for loss of or damage to your caravan, your annexe or your contents caused by:
- loading or unloading your caravan, from the transport,
- vibrating, rubbing or scratching, or
- your contents moving unless they are secured in the cupboards or lockers of your caravan.
You have no cover under Section 2 of this policy.
You have no cover under Section 4 of this policy.
We also will not pay:
- to hire a horsefloat for any longer than the day after your horsefloat is recovered, or repairs completed, and
- more than $50 per day or more than $250 in total for the hire, of a horsefloat.
More Details
For further details about how we pay claims under on-site only cover, 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.
