Introducing the new CIL Secure™ Motorhome 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 covers, exclusions and conditions.

Below are some examples of things we have changed:

  • Your responsibilities
  • When you need to contact us about changes
  • How we settle your claim Excesses (when and how to pay)
  • Contribution to repairs
  • We own the motorhome, annexe or contents salvage
  • Joint policyholders
  • Conduct of others (new section in your PDS)
  • Things we don’t cover

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:

  • Extra costs or other losses following an incident covered by your policy
  • Intentional or deliberate acts
  • Alcohol, drugs, medication
  • Reckless acts
  • Unlawful purposes
  • Communicable disease
  • Faults and defects
  • Illegal drugs and chemical or poisons substance
  • Sale of a motorhome, annexe or contents

Details of some of the changes to the PDS

Summary of cover table

A new ‘Summary of cover’ table including covers, additional covers and optional covers to assist you with navigating the new format.

When you need to contact us about changes

You need to contact us during the period of insurance in a number of circumstances, including if  you or anyone who is likely to drive your motorhome 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 motorhome.

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.

After claim expenses

If your motorhome or contents 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, such as:

  • costs for meals if you were living in your motorhome at the time of the incident and need to be moved to temporary accommodation;
  • food spoilage;
  • supplementary living expenses.

Veterinary expenses

We have introduced an excess free claim for veterinary expenses up to $500 for anyone incident, for your domestic pet travelling or living with you in your motorhome that is hit by a vehicle and injured.

Emergency repairs

Cover for emergency repairs has increased to $1,000 per incident.

Medical transportation expenses 

We have removed some exclusions from the ‘what we don’t cover’ section of the medical transportation expenses cover.

Addition of ‘Hire vehicle conditions’

This section outlines the conditions that are applicable when you make a claim under the additional covers ‘Hire vehicle following a theft’ or ‘Hire vehicle following an incident’.

Temporary accommodation – if your motorhome is not your usual home

We have increased the temporary accommodation – if your motorhome is not your usual home limit to $150 per day and up to $2,100 in total for any one incident.

Temporary accommodation – if your motorhome is your usual home

We have increased the Temporary accommodation – if your motorhome is your usual home limit to $150 per day and up to $4,500 in total 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 motorhome has been replaced with ‘take steps’. Keep your motorhome 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
  • If we don’t authorise repairs
  • Contribution to repairs
  • Our right to recover from those responsible

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 for the amount of the assessed quote from your repairer, 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 motorhome. For example, where 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 amount of the assessed cost of repairs directly related to the accepted claim. Our right to recover from those 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.

The information above is not a complete list of the changes to your Secure™ Motorhome Insurance Product Disclosure Statement. For full details of what is and isn’t covered, please read the CIL Secure™ Motorhome Insurance Product Disclosure Statement. Consider the Product Disclosure Statement before making a decision about this insurance.

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