Page 175 - Execuline - Classic Policy Wording

Caravan and trailer – Comprehensive cover
ADDITIONAL COVER YOU CAN CHOOSE
Check your schedule
The cover in this section applies only if you have specifically asked for it to be included as part of your policy. If you are unsure, please check your schedule.
CARAVAN AND TRAILER CONTENTS
Accidental loss and damage covered
We will pay for accidental loss or damage to your caravan/trailer contents from any accidental cause.
If your contents are stolen from your unoccupied trailer, caravan or side tent, there must be clear signs of forcible entry or exit. Caravan/trailer contents do not include permanent fittings of the caravan or trailer.
We will not pay for loss or damage caused by the dishonesty of any person using your caravan/trailer.
This cover is additional and applies if the limited cover (Page 171) is not enough to replace your caravan/trailer contents.
Paying off your caravan/trailer
If your caravan/trailer is a write-off and you are still paying it off, we will settle the amount still outstanding. The amount paid out is calculated as if your credit agreement was an instalment agreement paid in equal instalments over a number of years.
It does not include:
○ any arrear instalments or rentals (payments you may have missed as part of your credit agreement), or any interest still owing on them
○ any premium refunds or recoveries from any insurance policy
○ any higher amounts outstanding as a result of a residual/balloon payment3, credit agreement, or unequal
instalments over the agreement period.
The maximum amount we will pay is the limit of liability that applies to your caravan in the schedule.
3 A final payment on a credit agreement that is significantly larger than the usual instalments, and pays off the entire debt.
HPL – Execuline – Classic Personal Insurance Policy – 6 July 2015 173