Lay‑Up Period Cover

What is Lay‑Up Period Cover?

Lay‑Up Period Cover is an optional cover offered by CIL Insurance that allows you to reduce your insurance premium each month your caravan or motorhome is not in use up and in layup, for up to a total of six months. During a declared Lay‑up period, your vehicle is not being driven or towed and must be kept at either a secure commercial storage facility or at the address shown on your schedule of insurance. Cover continues for specific insured events while the vehicle is in layup, subject to the terms and conditions of your policy.

How Lay‑Up Period Cover works

If you know your caravan or motorhome won’t be used for a period of time, you can nominate a Lay‑up period when arranging or managing your policy.

While Lay‑up cover is active:

The vehicle must not be driven or towed, unless it is going to and from a repairer to fix claim damage covered by the policy.

• The caravan or motorhome must be either stored in a secure commercial storage facility or at the address shown on your insurance schedule.
• Cover is limited to insured events outlined in the Product Disclosure Statement , and subject to exclusions and conditions.

Once the Lay‑up period ends, your standard cover resumes automatically, provided the vehicle is safe and road‑worthy.

For full details, exclusions, and conditions, please refer to the relevant Product Disclosure Statement.