Page 161 - Execuline - Classic Policy Wording

Caravan and trailer
Conditions of use of your caravan and trailer
How you may use your caravan/trailer
This insurance policy carefully defines how you may use your caravan/trailer in order for the cover to be valid.
○ Private use
Private use – social, domestic and pleasure use only
Note that the following uses are excluded:
Travel for business, commercial or professional purposes; renting the caravan/trailer out; the carrying of passengers for financial gain, whether on a fare-paying or hire basis; paid driving instruction; the carrying of trade samples or goods; racing or speeding of any sort; driving on a course or race track, whether as part of an event or not; towing a vehicle for financial gain; overloading your caravan/trailer; or while in the custody and control of the motor trade for any purpose other than the overhaul, upkeep or repair of the caravan/trailer.
Business travel or commercial travel?
If in the course of your work, you occasionally use your carvan/trailer for business reasons (typically, once or twice a week), then that is classified as business travel and is covered under this policy.
However, if the very nature of your work requires you to move around all the time (typically, several times a day), then that is commercial travel and is not covered under this policy.
Examples are estate agents, plumbers, sales representatives, electricians and garden-service companies.
If you are unsure of the category of use that applies to your caravan/trailer, please check the schedule.
No carrying of explosives or hazardous goods
You may not, under any circumstances, use your caravan/trailer to carry explosives or hazardous goods. Examples of such goods are nitroglycerine or dynamite; chemicals or compressed gas; gas in liquid form; hazardous waste; liquid petroleum.
No using your caravan/trailer as a courier or transport contractor
You may not, under any circumstances, use your caravan/trailer as a courier or transport contractor.
No carrying of fare-paying passengers
You are not permitted to use your caravan/trailer as a bus or taxi to carry fare-paying passengers.
No overloading of goods
You may not, under any circumstances overload your caravan/trailer when you transport goods.
HPL – Execuline – Classic Personal Insurance Policy – 6 July 2015 159