Motorhome Insurance Policy Summary


Significant Features and Benefits


 Description  Comprehensive
Personal Belongings
£3,000 with a single
article limit of £200 (£500 available)
Awnings  £1000 maximum
Gas Bottles Cover for Fire & Explosion caused by cooking apparatus and gas bottles is included
Annual Mileage Various options including Unlimited
Audio, television, video, computer or computer games, telecommunication and navigational equipment. (Refer to part 1 of the policy booklet)  Unlimited unless equipment fitted after vehicle built then restricted to £500
New car replacement 2 options available depending on insurer;
1. 12 months old and 60% damage
2. 24 months old and less than 15000 miles and 60% damage
Suspension of Cover Not Available
Windscreen  Unlimited, £1500 or £1000 depending on the policy and vehicle
Alternative Accommodation Up to £100 (depending on insurer) per day up to a maximum of 14 days. Subject to the insured vehicle being stolen or damaged and the vehicle cannot be used
Courtesy Car. A Courtesy Car is provided when your vehicle is being repaired in one of our Recommended Repairers as a result of an accident covered by this policy. Included
Driving Other Cars. If shown on the certificate of motor insurance. Cover is restricted to Third Party only (Refer to part 2 of the policy booklet). Available
Foreign Use 2 options available depending on insurer;
1. 12 months foreign use with a restricted mileage.
2. 3 months foreign use with unlimited mileage (can be extended to 6 months subject to additional premium).
Loss of accessories from car or garage. (Refer to part 1 of the policy booklet) £500
Protected No Claim Bonus. This is available subject to certain criteria. Refer to your policy schedule 2 Claims allowed in a 5 year period
Personal Accident Cover for Policyholder & Spouse aged 18 to 75 (79 available). £5,000
Standard Young driver excess for drivers under 21 (Comprehensive Cover only) Not applicable as all drivers MUST be aged 21 and over
Standard Young driver excess for drivers between 21 & 24 (Comprehensive Cover only) £200
Compulsory Excess which is in addition to all other excesses. (Comprehensive Cover only)  Variable excess
dependent on vehicle
Fire & Theft excess Variable excess
dependent on vehicle
Standard excess for drivers with provisional licences or hold a licence other than provisional for a period of 1 year, or holds a licence other than one issued in the UK for a period of 2 years. (See N/B). Comprehensive Cover only) Not applicable as all
drivers MUST hold a full UK licence for a minimum of 1 year 
Trailer Cover (Third Party whilst attached) Included
Windscreen excess (Replacement)  £75
Windscreen excess (Repair) Nil
N/B Additional compulsory accidental damage excesses may also apply dependent on the type of vehicle or claims and conviction record. Ask broker for details

Exclusions & Limitations


Description Comprehensive Third Party Fire & Theft

Loss or Damage as a result of Theft if: the Ignition key or similar device is left in or on the car and all windows, doors and roofs have not been closed and locked.

No Cover No Cover
Loss or Damage as a result of Theft if: any security or tracking device has not been set or is not in working order No Cover No Cover
        
Trailer Cover (Loss or damage) No Cover - Please Contact Us to add Trailer cover No Cover

Rights of Cancellation

If this cover does not meet your requirements, please return all Your documents (including the certificate) within 14 days of Receipt. We will return any premium paid less a pro rata charge for the number of days for which cover has been given (Minimum £20). The full annual premium is due if a total loss claim has been made.

Details about our Regulator

Campton Insurance Brokers (UK) Ltd is authorised and regulated by the Financial Conduct Authority. The Financial Conduct Authority website which includes a register of all regulated firms can be visited at www.fca.org.uk

Under the Financial Services and Markets Act 2000, should the company be unable to meet all its liabilities to policyholders, compensation may be available. Information can be obtained on request, or by visiting the Financial Services Compensation Scheme website at www.fscs.org.uk  or the Financial Conduct Authority can be contacted on 0845 606 1234.

Campton Insurance Brokers (UK) Limited

Campton (Financial Services) Limited

126 High Street
Godstone
Surrey RH9 8DX
Insurance Brokers
Tel: 01883 742460
Fax: 01883 744109

Financial Services
Tel: 01883 742020
Fax: 01883 731800