Motorhome Insurance

Public liability cover

We will pay all the amounts you may become legally responsible for if you:

• cause the accidental death of or bodily injury to any person; or
• cause accidental damage to anyone’s property.

Cover is limited to £20,000,000 including all costs (or any higher limits provided for by local legislation in territories outside the United Kingdom but within the territorial limits) for any one occurrence or series of occurrences arising from one cause; as a result of the use of your motorhome and any trailer or caravan being towed by it or any other vehicle which your certificate of insurance allows you to use.

Cover we provide for other people

We will cover the following people for legal liabilities to others:

• Anyone you allow to drive or use your motorhome as long as they are named on your certificate of insurance and the schedule and are using your motorhome within the limitations of use.
• Anyone travelling in, getting into or out of your motorhome.
• The employer of anyone you allow to drive or use your motorhome as long as they are allowed by your certificate of insurance.

Your legally appointed representatives

After the death of anyone who is insured under Section 1 of your Safeguard Motorhome Insurance Policy, we will protect that person’s estate against any liability they had if that liability is insured under your Safeguard Motorhome Insurance Policy.

Legal fees and expenses

If there is an accident insured under Section 1 of your Safeguard Motorhome Insurance Policy we will arrange and pay for:

• a solicitor or barrister to represent anyone insured under Section 1 at a coroner’s inquest or criminal court.
• defending anyone insured under Section 1 if they are charged with manslaughter or causing death by reckless or dangerous driving; or
• any cost we give our written agreement to.

Loss or damage to your motor home

We will, at your request, pay for:

• loss of or damage to your motorhome up to the market value of your motorhome; and
• the cost of protecting and removing your motorhome to the nearest repairer and the cost of delivering your motorhome back to you after it has been repaired.
• if your motorhome is on lease hire, we may be required to make our payment to the owners. In that event, our payment will be in full and final settlement of our liability under Part B.

Replacing your motorhome

We will, subject to your consent and that of other interested parties, replace your motorhome with a new one of the same make, model and specification of the motorhome if it is:

• stolen and not recovered within 28 days of you
• reporting the theft to us; or
• damaged so that the cost of repair is more than 60% of the price of an identical new motorhome at the time of loss or damage (based on the United Kingdom list price, inclusive of tax).

We will only do this if:

• you have owned your motorhome (or it has been hired to you under a hire-purchase agreement) since it was first registered as new;
• the loss or damage happens before your motorhome
• is two years old;
• the recorded mileage of your motorhome is not greater than 15,000 miles;
• we have your permission or the hire-purchase company’s permission to replace your motorhome;
• your motorhome is in current production and immediately available in the UK.

Generators

We will pay up to £500 in respect of portable generators used solely in connection with your motorhome, provided at the time of the incident giving rise to a claim the portable generator was contained in or on your motorhome or connected thereto.

If the generator is permanently fixed, this falls under the definition of your motorhome as a fixture and fitting and is covered up to the market value.

Salvage

If we are going to settle your claim by replacing your motorhome or by paying you the market value, your motorhome will become our property.

If your motorhome has a cherished registration plate you will retain this.

Obsolete and Spare Parts

If any part or accessory is not available the most we will pay for that part will be the cost shown in the manufacturer’s last UK price list, plus the fitting cost.

If the part is not listed in the manufacturers last United Kingdom price list we will pay the cost of an equivalent part plus the fitting cost.

Windscreens and windows (Comprehensive cover)

If the glass in your motorhome is damaged, we will pay for its replacement of repair. We will also pay for repairs to your motorhome’s bodywork if scratched by broken glass.

Provided there is no other loss or damage and no claim is made under any section of your Safeguard Motorhome Insurance Policy, any claim for payment made for glass replacement or repair under this section will not affect your no claims discount.

Personal belongings (Comprehensive cover)

As part of our comprehensive motorhome insurance policy, you have cover of up to £2,000 for personal belongings. This includes, linen, cutlery, utensils, furnishings, clothing, and other camping equipment used in conjunction with your motorhome.

This does not include property taken from an unlocked vehicle or property which has not been properly protected from loss or damage. In respect of awnings, gas cylinders and generators, we will pay up to £1,000.

Emergency overnight accommodation / travel expenses

Following an accident covered under Section 1 of your Safeguard Motorhome Insurance Policy where you are unable to use your Accident Recovery Service to transport the person or pets being carried to the intended destination due to:

• Hospitalisation of any persons in your motorhome
• Your domestic dogs or cats needing veterinary care, or
• Any person in your motorhome being required to help the police with their enquiries

We will pay for:

• Emergency overnight accommodation for one night for up to 6 people
• Travel expenses for any person or pet being carried in your motorhome

The maximum amount we will pay is £250.

Contents and valuables

We will pay up to £3,000 subject to the limits shown below, in respect of loss of or damage to contents and/or valuables caused by theft or attempted theft or an accident.

Limits:

(a)         £500 any one article (including valuables)

(b)         £500 overall in respect of valuables