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Club Care's touring caravan insurance policy, explained

• Definitions of levels or 'basis' of cover

  At Club Care we offer three types of cover when insuring your caravan. These types of cover are referred to as the ‘basis of cover’ and the choices are: New for Old, Guaranteed Value or Market Value cover. The following is an explanation for each basis of cover:-

  New for Old cover:

  Club Care now offers this cover on all caravans up to 15 years old.

  In the event of a total loss and so long as your Sums Insured are sufficient, Club Care will arrange for your caravan and equipment to be replaced with models that match the make and specification of your existing as closely as possible. The replacement of your caravan and equipment on a New for Old basis will operate in the event your caravan is stolen and not recovered or if it is considered a total loss due to damage caused. Repair work is provided on the basis of the cost of the repair.

  To be eligible for New for Old cover your caravan must be less than 15 years old at the time the insurance cover is purchased.

  Guaranteed value cover:

  Available for all types of caravan regardless of age, origin or value.

  If you opt for Guaranteed Value, Club Care will base your caravan’s Sum Insured on the amount you paid for it. Should your caravan be stolen or become a write off following an insured incident Insurers will pay the equivalent of the Sum Insured provided you can produce a receipt or proof of purchase confirming the value at the time it was bought. If you are unable to produce this evidence then the basis of cover will revert to Market Value.

  All claims for contents and equipment are assessed on a Market Value basis.

  To be eligible for Guaranteed Value cover you must be in possession of a receipt or proof of purchase confirming the amount paid for the caravan. The proof of purchase must have been provided by a recognised UK dealer within 7 years from the date the insurance commences.

  Market Value

  Available for all types of caravan regardless of age, origin or value.

  If you select Market Value, you need to determine the cost of replacing your caravan and its belongings with a model of the same or similar specification, condition and age. To ensure you have bought enough insurance you should make sure the Sums Insured are at least as high as the replacement costs.

  In the event of a total loss insurers will pay the replacement costs and we calculate these by reference to information supplied by Glass’s Guide or any other recognised sources of information. If you need assistance help is always at hand – simply call one of our friendly and knowledgeable advisers on 01277 243 060 and they will be happy to assist.  

  There is no criteria to be eligible for Market Value cover, all you have to do is contact us on 01277 243 060 or obtain an online quote.

  Sums Insured

  The Sums Insured identify the maximum amount insurers will pay following a loss, irrespective of the basis of cover you have chosen. If the Sums Insured are less than the amount needed to settle your claim on the basis of cover you chose, the settlement offered to you will not cover all the costs. It is very important to ensure you have bought enough insurance and if you are in any doubt about how to go about setting the Sums Insured, simply call one of our friendly and knowledgeable advisers on 01277 243 000. Club Care advisors will provide guidance on how to go about buying enough insurance but the final decision on this remains with you.

• Loss and damage to you or your touring caravan

  Insurers will pay for the costs of repairing or replacing your caravan, equipment, awnings, contents and personal belongings, if they are damaged by storm, flood, fire, theft, accidents on the road, impact from falling objects and many other events.

  Awning cover

  Club Care will insure your awning up to the total sum insured you have chosen. However you should not leave your awning erected for more than 4 days in succession unless someone is there to take action should a strong wind be forecast. If you do we will not be able to cover the loss.

  Theft from your awning is limited to £100 per item up to a maximum total of £300 for all items on any one occasion.

  Equipment cover

  The Club Care policy insures all your camping or caravan equipment up to the Sum Insured you have chosen. Equipment covered by the Club Care insurance includes tents other than awnings but including toilet tents, gas bottles, batteries, security devices (including wheel clamps), stabilisers, generators, satellite dishes, solar panels, aqua roll, air conditioning units, motor movers that are not fixed to your unit, camping lanterns and sports equipment.

  Contents cover

  The Club Care policy insures all your contents up to the Sum Insured you have chosen. Contents are covered if they are damaged, lost or stolen and items can include bedding, linen, luggage, general household goods, portable television sets, audio equipment and personal possessions belonging to you or your family. This does not include money or valuables. Club members can enjoy up to £1,000 FREE contents cover.

  Injury you suffer

  This is a useful additional cover found in the better insurances such as Club Care's touring caravan policy. It offers you and your family a benefit should you be injured or killed when on holiday with your unit.

  Alternative accommodation

  Under Club Care, Insurers pay up to £3,500 towards alternative accommodation or the hire of a similar unit to allow you to continue your holiday if your caravan suffers loss or damage while in use and you can no longer stay in it.

• Loss and damage caused by you to third parties

  Public Liability (Damage you cause to others)

  At Club Care we recognise that there are many situations where you could cause loss, damage or injury to others when using your caravan.

  When you arrive at a caravan or camp site one of the first things you do is detach your caravan from your car and manoeuvre it onto your allotted pitch. No matter how careful you are there is always a danger of hitting another person’s property such as their caravan, car, awnings or equipment. Worse still, you could injure an innocent bystander and at Club Care we arrange to cover your legal liability under such eventualities up to a limit of £5,000,000.

• Added extras

  European cover

  The Club Care policy offers the same level of insurance in Europe as in the UK. This includes any country that is a member State of the European Union, Andorra, Croatia, Faroe Islands, Gibraltar, Liechtenstein, Monaco, Norway, San Marino, Switzerland and Vatican City and transits between those areas. Club Care offers up to 365 days European use cover with their policies, Whether you want 365 days European cover or less or none at all, the choice is yours.

  Family & friends use

  The Club Care policy includes loss or damage suffered when your caravan is being used by friends and family. This includes your spouse or partner, children, including foster children, and anyone else you have asked us to include and we have provided prior written agreement.

• Explanation of discounts available

  No claims discount protection

  If you are a careful and experienced caravanner who has built up a large no-claims discount that keeps your premiums down, the Club Care policy allows you to protect this no-claims discount in the event you suffer up to two losses in a 3-year period. At Club Care we offer a 25% discount on premiums if you have not made a claim for 4 years or more. This represents a sizeable saving and, for a minimal cost, you can protect yourself against losing it.

  Security device discounts

  At Club Care we offer a discount of up to 20% for each approved security device protecting your touring caravan and declared on your insurance policy. Not only that but, if your caravan is stolen when it was protected by certain approved security devices, then Club Care will refund any policy excess for that theft.

  Security devices must be fitted in accordance with the manufacturers’ instructions and be operating at the time of the incident in order to qualify for the discounts. Security devices commanding the highest discounts from Club Care include the AL-KO Secure Wheel Lock and the SAS Diamond wheel lock – please be aware these devices do not fit all makes and models of caravan.

  Tracking device discounts

  For the best tracking devices fitted to your touring caravan, Club Care offers up to a 20% discount on your insurance premium. Not only do you benefit from a great discount on your insurance premium but Club Care will refund your excess should your touring caravan be stolen when it is protected by the best tracking devices.

  Tracking devices commanding the best discounts from Club Care include the Phantom Proactive tracking device and other discounts are available for a range of other tracking devices.

• What isn't included?

  There are a few areas where Club Care will not provide cover. These are:

  • When the unit is being used for trade or business purposes, as a permanent place of residence, for speed testing, racing or pace-making or being let for hire or reward.
  • For liability or damage arising from or relating to pollution, biological chemical or nuclear Terrorism, war, sonic bangs, and nuclear or radioactive incidents.
  • For legal liability directly or indirectly arising from the unit being loaned, leased or hired to any other person other than your family unless agreed in writing by insurers.
  • For claims if they are covered by any other insurance.
  • For loss or damage occurring outside the period of insurance or caused deliberately by you.

  For further information about the specific details of our policies please refer to our touring caravan policy booklet and Key Facts summary.