Commercial Express: Touring Caravan

IMPORTANT NOTICE: Please check this proposal/ statement of fact for insurance very carefully.

The proposal / statement of fact, together with any other information supplied to the insurers must not be misleading or incomplete and shall form the basis of the contract with the insurers and shall be incorporated therein. If you are aware (having made all due enquiries) of any information not specifically requested in the proposal/ statement of fact but which may have a material bearing upon the Insurer's decision on whether or not to provide cover or the terms upon which such cover would be provided, you must notify the Insurer via your intermediary of it before the contract of insurance is concluded and obtain their specific confirmation that they are willing to proceed. You must inform Insurers via your intermediary of any material alterations or additions to the statements or particulars contained within this proposal /statement of fact, which occur before any contract of Insurance based on this proposal /statement of fact is effected.

It is essential that you make fair presentation of the risk that should include a full and unrestricted disclosure including every material fact and circumstance (a material fact or circumstance is material if it would influence the judgement of the Underwriter when considering whether to accept the risk and /or the assessment of the terms, conditions or premium which should be applied).

If you are unsure in any way that your disclosure is complete you should check with your insurance advisor.

In the event you fail to make a full unrestricted disclosure Underwriters may refuse to pay your claim, pay only part of your claim, and/or void your policy.

This statement will be considered together with the presentation of risk that you and your insurance advisor have provided to the Underwriter.

If the answers of information you have provided change during the period of insurance you should notify your insurance advisor as soon as reasonably possible as Underwriters may be unable to continue with cover.

NOTE: Cover is on a new for old basis unless the caravan is more than 10 years old. If more than 10 years old then bases on market value. In order for this to apply the sum insured must represent the full replacement cost of a new caravan.

Please note that failure to disclose the correct Make, Model and Serial Number may affect payments of future losses.

What security device/s is the caravan fitted with:

 

Please answer the questions below in respect of the applicable parties described in (i) (ii) (iii) & (iv) below. If you feel unable to answer a question(s) accurately or have material fact or circumstance(s)  to disclose please provide full details in the additional information box  at the end of this form.

(i) You or any family member(s) that reside at or use the insured premises or are involved in the business

(ii) Any Director or Partner

(iii) Any person(s) with a beneficial interest of 25% or more in the business (other than mortgagees)

(iv) Any person with management control of the insured entity (other than professional letting agents that you have contracted to manage the property):

 

The information you have provided in this statement together with the presentation of risk contains statements and facts that the underwriter will rely upon when deciding whether to accept the insurance and the terms offered including the amount or premium payable.

If you are in any doubt as to the completeness and accuracy of the statements and facts you are providing you should consult with your insurance advisor.

During the period of the insurance you must tell your insurance advisor as soon as reasonably possible if you become aware that any of the statements and facts that you have provided have changed.