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Understanding our new CIL Caravan Insurance PDS
Introducing the new CIL Secure™ Caravan Insurance Product Disclosure Statement (PDS) for policies renewing on or after 23 March 2021. The PDS is an important legal document that contains details of the product you purchase so you need to read it carefully.
Here at CIL we want to provide clarity and certainty in your time of need. We’ve changed the layout of the PDS to help make it easier to understand. We have also made other changes to the policy – we have added and changed exclusions and conditions.
Below are some examples of things we have changed:
For full details, please refer to your PDS.
Things we don't cover
General Exclusions are now called ‘Things we don’t cover’.
Things we don’t cover include some new exclusions such as:
Details of some of the changes to the PDS
When you need to contact us
You need to contact us during the period of insurance in a number of circumstances, including if you or anyone who is likely to tow your caravan has their driver licence cancelled, suspended, disqualified or restricted; you have had another insurer cancel or decline an insurance policy, impose specific conditions on a policy or refuse a claim; there are any changes to the physical condition of your caravan.
Summary of cover table
We have added a new ‘Summary of cover’ table including covers, additional covers and optional covers to assist you with navigating the new format.
Change when there are joint policyholders
During the period of insurance, we might ask all joint policyholders before we action a request or direction in relation to your policy (e.g. before we cancel your policy, reduce your cover or remove another policyholder). This way we can help protect the interests of all policyholders.
New section - Conduct of others
When we consider a claim under the policy, we will have regard to any prejudice you have suffered due to the conduct of others and we may meet the claim when we are not legally required to do so.
Our right to recover from those who are responsible
We have added examples of the assistance that may be required from you if we take action against a party for the recovery of your loss.
Towing a damaged caravan
We have updated the wording of ‘Towing a damaged caravan’ in ‘Things we don’t cover’. We now provide an example of when we accept that you might need to tow your caravan after it’s been damaged in an incident. Such as towing your caravan from a busy motorway to prevent further loss or damage.
After claim expenses
If your caravan is stolen or damaged in an incident covered by your policy, we also cover additional expenses up to a total of $500 for any one incident. For example:
Veterinary expenses
We have introduced an excess free cover for veterinary expenses up to $500 for any one incident, for a pet travelling or living with you in your caravan that is hit by a vehicle and injured.
Temporary accommodation – if your caravan is your usual home
We have increased the ‘Temporary accommodation – if your caravan is your usual home’ cover limit up to $150 per day and up to 30 days for any one incident.
Temporary accommodation – if your caravan is not your usual home
We have increased the ‘Temporary accommodation – if your caravan is not your usual home’ cover limit up to $150 per day and added the following limits:
Emergency repairs (Australia wide cover only)
We have increased the cover for emergency repairs up to $1,000 for any one incident.
Your responsibilities
Several changes have been made to the ‘Your responsibilities’ section, including the below.
The reference to ‘Your actions or your failure to act’ to protect your caravan has been replaced with ‘take steps’. Keep your caravan structurally sound, watertight, secure and well maintained (e.g. maintain seals, fix leaks, remove mould, repair paint problems, major rust, corrosion, cracking and blistering, repair major scratches or dents, fix mechanical and electrical problems) is given as an example of a step you can take. See ‘Your responsibilities’ in the PDS for more detail.
Details of some of the Changes to the Claims section
Changes have been made to the claims section including introducing or changing:
How we settle your claim
We have updated the list of settlement options including the use of assessed quotes if you choose not to accept the repair/replacement method and requests a cash settlement. If we don’t authorise repairs
When we authorise repairs, but you request a cash settlement, we will pay you the amount of the assessed quote. If we pay the amount of the assessed quote, we don’t authorised repairs. You will not be entitled to the lifetime guarantee on repairs that we do not authorise.
Contribution to repairs
We have clarified when we may ask you to contribute to the cost of repairs where we are unable to safely carry out the insured repairs due to pre-existing damage to your caravan. For example, when there is neglect, wear and tear, weathering, rust, mould, mildew or corrosion. If you do not want to pay these amounts, we will pay you the assessed cost of repairs amount directly related to the accepted claim.
The information above is not a complete list of the changes to your Secure™ Caravan Insurance Product Disclosure Statement. For full details of what is and isn’t covered, please read the CIL Secure™ Caravan Insurance PDS. Consider the PDS before making a decision about this insurance.
