Did you know, by changing to Wise Insurance the savings made could cover the cost of caravan storage. Download proposal form here.
The policy is specifically designed for and available to patrons of 'Napps Touring Holidays' who use their storage facilities and do not take their tourers off site. The policy is underwritten by Certain Underwriters at Lloyds, administered by Leisure Underwriting Agents (a trading name of K.Drewe Insurance Brokers Ltd) and arranged by Wise Insurance.
This is subject to a minimum premium of £75.00 including insurance premium tax (currently 5%). It is calculated at £14.18 per £1000 of caravan value, in addition an optional extension to cover awnings under 7 years old is £26.25 for cover up to £2500 on a new for old basis until it is 7 years old, cover is not available for awnings older than this. An allowance of 15% of the caravan value for accessories and 10% for contents is included free of charge. The price mentioned is an estimate only and should be treated as a guideline, although it will apply in most cases it may vary according to the individual circumstances and is subject to revision by the insurers at any time. The actual quotation will be given upon receipt of your completed proposal form.
'Wise Insurance' if you have suffered any accidents, losses or claims in the past three years with a caravan either owned, hired or used by you.
Use - This policy is designed for caravans that are never taken off site, cover for use outside the site is not therefore covered under this policy. The insurers have assumed that your caravan is permanently kept at Napps Touring Holidays site and that they move your caravan to and from storage as necessary. We can also provide cover for owners that do wish to use their caravans for touring, in this instance please contact `WISE INSURANCE SERVICES LTD' ON: 0870 603 0604 FOR A QUOTATION. The caravan may only be used for holiday and leisure purposes by the policyholder and their family and friends.
Loss or damage to the caravan - This includes fixtures and fittings, the cover provided is new for old until caravan is five years old subject to the amount you insure your caravan being the full replacement cost as new, otherwise Indemnity (market value) cover will apply, this is also subject to the amount your insure for being adequate to replace your caravan on this basis.
Caravan equipment and accessories – Included automatically free of charge up to a limit of 15% of the value of the caravan. Any equipment pertaining to the caravan or use of the caravan including refrigerators, gas bottles, water containers, steps, balconies, batteries, stabilisers, wheel clamps, generators and the like but excluding awnings.
Optional Awning cover – In the event of the awning being damaged, cover for repairs within seven years from the date of purchase as new, or if beyond economical repair, replacement with a new one of the same manufacturer and model or pay the cash equivalent at discretion. Loss or damage to the awning when erected and attached to the caravan is not covered when the caravan is left unoccupied for seven days or more. The cost of this extension is £26.25. Cover is not available for awnings over 7 years old.
Contents and personal effects (excluding valuables) – This is included free of charge up to a limit of 10% of the caravan amount insured, this is subject to a single article limit of £300 and excludes both pedal cycles, valuable items and items going outside the caravan, these should be insured on the `all-risks' (outside home) section of your home contents insurance.
Liability to the Public – Indemnity in respect of injury to third parties, up to £2 million, and third party property damage.
Loss of Use – Cover for alternative accommodation, the hire of a similar caravan, if the caravan is rendered uninhabitable following a claim under this policy. Cover for up to £50 per day, £1500 in total. This relates to holidays booked prior to the incident for which the claim relates.
Personal Accident Benefits – Cover for compensation if bodily injury is suffered which results in death or permanent disablement up to £20,000.
Excess – The policy cover excludes the first £75 for any claim except public liability claims.
Legal assistance and helpline – Legal assistance and uninsured loss recovery relating to the ownership or use of the caravan. These services are available 24 hours of day, 7 days a week throughout the year and are provided by Inter Partner Assistance and administered on their behalf by Arc Legal Assistance Ltd.
The Law applicable to the contract – Unless specifically agreed to the contrary, this insurance shall be subject to English Law.
*** A Specimen policy is available upon request from Wise Insurance Services Limited ***
FSA REGULATIONS – Details of this insurance may have been passed to you by the caravan site where your caravan is situated, the site in this instance are acting as an introducer, they are not qualified or authorised to deal with any queries or enquiries regarding this insurance. All enquires and payments with regard to this insurance should be directed at ‘WISE INSURANCE SERVICES LTD’
Wise Insurance are an independent intermediary that acts on behalf and accepts responsibility for advice given in the arrangement of its customers insurances, they are authorised and regulated by the ‘Financial Services Authority’ under registration 301075. This can be checked by visiting the FSA website at www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.
This document is only designed as a guide to the insurance available, a comprehensive policy outline and ‘Key facts’ of the insurance will be provided by Wise Insurance with confirmation of your quotation in writing.