POLICY DOCUMENT

Leisure Home

Plus Insurance

EFFECTIVE

1ST MARCH 2018

Please read this policy booklet carefully. It includes all You need to know about Your cover and what You need to do in the event of a claim.

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Contents Introduction 4

Looking after Your Structure 5

Insurance Policy 6-7

Complaints Procedure 7-8

Contact Information 9

Definitions applying Sections 1, 2, 3 and 4 10 - 11

Section 1; Structure and Contents 12 - 18

Section 2; Liability 19

Section 3; Unspecified Personal Possessions 20 - 21

Section 4; Personal Accident 22

Section 5; Holiday Home Legal Expenses 23

Definitions applying to Section 5 24

Cover 25-26

General Exclusions 27

General Conditions 28-29

Customer Services Information 30-31

Exclusions Which Apply to the Whole Policy 32-33

Conditions Which Apply to the Whole Policy 34-35

Claims Conditions 36

Endorsements 37

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Introduction Welcome to Our Leisure Home Plus insurance policy.

How to make a claim When things go wrong We want to put things right as quickly as possible. To make a claim carry out the following: 1. Check Your Schedule and policy wording to see if You are covered for the damage.

2. Read the ‘Claims Conditions’ on page 36 and follow any instructions given.

3. Contact: Lake District Estates Co Ltd, Maudlands, Maude Street, Kendal, Cumbria, LA9 4QD

Telephone Number 01539 721626

4. Please do not dispose of any damaged items before We have had a chance to inspect them.

5. If You are a victim of theft or vandalism, tell the police within 24 hours of discovery of the loss or damage by You or Your Family and ask them for an incident number and then tell Us what it is.

What We will do: Depending on the type of claim and value involved:

1. We may be able to settle the claim from the information You have given on Your claim form.

2. You may arrange for reasonable and necessary repairs to be carried out to Your Structure up

to £250 as long as You obtain a receipt or estimate, complete a claim form and send it to Us

as soon as possible. We will only pay claims within the Terms and Conditions of this insurance.

3. We may need to contact You for more information.

4. We may need to send a loss adjuster to find out more about Your claim. A loss adjuster

specialises in dealing with insurance claims. He or she will report to Us. We will pay any fee involved.

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Looking after Your Structure There are plenty of practical ways to reduce the likelihood of loss or damage.

Drain Down It is extremely important that the water system is fully drained down during the winter period and whilst Unoccupied. Most caravans require the water system to be drained down in the colder months to prevent frost damage. It is very unlikely that You will have the specialist equipment needed to drain down the water system and blow the pipes through with compressed air. We would therefore recommend that You speak with Your park owner/manager for advice as most parks offer a professional drain down service.

We recommend lagging external pipes and a gas safe registered engineer should check and service water heaters and central heating systems annually.

Theft It is worth considering the following precautions:-

– Fitting an alarm system. The best ones alert the park of a break in. We recommend that You speak with the owner/manager for advice.

– Out of season, or if Unoccupied for long periods, take electrical goods and portable personal possessions home with You.

– Out of season hide anything left in the Structure and leave curtains and cupboards open so it

is obvious there are no valuable items left in Your Structure. Water Ingress Sensible precautions should be taken as follows:-

– Inspect the seams and seals where panels join and talk with Your park owner/manager

if any problems are encountered which could cause You water ingress.

– If You have roof gutters, then these need to be kept clear of obstructions.

– Keep the exterior panelling clean and check the general condition.

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Caravan and Chalet / Lodge Leisure Home Plus Insurance Policy We have defined words which have special meanings on pages 10 & 11. They are printed in bold type and start with a capital letter whenever they appear in the policy.

Your policy is made up of two parts; Your Schedule and this policy wording. The policy and Schedule are evidence of the contract between You and Us. The Schedule sets out the Sums Insured and the sections of the policy which apply. If Your insurance needs changing during the Period of Insurance please let Us know as soon as possible. Please read the policy, Schedule and any Endorsements to make sure they provide the cover You want. If they are not correct, or do not meet Your needs, please return this policy as soon as possible

to the person who arranged this insurance for You.

You and Your Family must comply with the policy conditions to have the full protection of Your policy. If You or Your Family do not comply with them We may at Our option cancel the policy or refuse to deal with Your claim or reduce the amount of any claim payment.

Before You accept Our policy You have 14 days to change Your mind about this insurance. The 14 days starts from the day after the day You received Your policy booklet or the date Your insurance cover commenced, whichever is the latest. If You are not totally happy with the policy and have not made a claim simply write to Us at the address shown on page 7 requesting that Your insurance is cancelled and that any monies paid be returned. In return for Your premium We will provide the insurance during any Period of Insurance for which You have paid, or agreed to pay, and We have accepted, or agreed to accept, the premium. Your policy is arranged and administered by L Wood & Co Ltd, 4 Aire Valley Park, Wagon Lane, Bingley, West Yorkshire, BD16 1WA. Please keep Your policy wording in a safe place. You may need to read it if You need to make a claim or You need help. Changing your details

You must tell Us as soon as possible about any changes that may affect Your policy cover. If We are not advised of any changes to Your circumstances, then Your policy may be cancelled, or Your claim rejected or not fully paid. The changes that You should tell Us about are:

• If You change Your Structure • If You change Your Structure location • If You change Your name; • If You change Your occupation(s), or the trade in which You work; • If You or Your Family intend to use Your Structure for any purpose other than for personal

holiday use • If You or Your Family are convicted of a criminal offence (other than motoring offences); • If You or Your Family are declared bankrupt; • If Your Contents Sum Insured changes • If You have any other insurance policy refused, declined, cancelled or voided;

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When You tell Us about a change, We will reassess the premium and the terms of Your policy. You will be informed of any revised premium or terms and asked to agree before any change is made. In some circumstances We may not be able to continue Your policy following the changes. If this is the case, You will be notified and the policy will be cancelled in line with the cancellation rights detailed on page 35.

Misrepresentation In arranging Your insurance We will have asked a number of questions which You were required to answer. You must take reasonable care to ensure that You have answered all these questions honestly, to the best of Your knowledge, and have provided full answers and all relevant details. If questions are not answered honestly and to the best of Your knowledge then Your policy may be cancelled or Your claim rejected or not fully paid. You may also have difficulty in obtaining insurance in the future or experience extra cost in doing so.

Complaints Procedure If at any time You have a complaint about the services provided to You by L Wood & Co then You should contact:

The Managing Director L Wood & Co Ltd 4 Aire Valley Park, Wagon Lane Bingley, West Yorkshire BD16 1WA

Telephone: 01274 515747 Email: caravans@lwood.co.uk

All complaints received are taken seriously and will be handled promptly and fairly. If You make a complaint it will be acknowledged promptly and an explanation of how it will be handled, what You need to do and how Your complaint is progressing will be given to You. Your complaint will be recorded and Your comments analysed to help improve the service offered. Complaints which AXA are required to resolve will be passed to them and You will be notified if this happens.

If at any time You have a complaint about the service provided by the Insurers of this policy, then You should contact Head of Customer Relations at AXA who will arrange for an investigation on behalf of the Chief Executive. Head of Customer Relations AXA Insurance Civic Drive Ipswich IP1 2AN Tel: 01473 205 926 Fax: 01473 205 101 Email: customercare@axa-insurance.co.uk

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If You remain unhappy with the outcome of Your complaint You may be eligible to refer Your complaint to: The Financial Ombudsman Service (FOS) Exchange Tower London E14 9SR

Tel: 0800 023 4567 (free from landlines) or 0300 123 9123 (free from most mobile phones) Or simply log on to their website at: www.financial-ombudsman.org.uk Whilst L Wood & Co Ltd and Your Insurers are bound by the decision of the Financial Ombudsman Service, You are not. Following the complaints procedure does not affect Your right to take legal action.

Telephone calls may be recorded or monitored. Call costs may vary depending on Your service provider.

Compensation L Wood & Co Ltd and the Insurers of this policy are covered by the Financial Services Compensation Scheme (FSCS). If We are unable to meet Our obligations, You may be entitled to compensation from the scheme, depending on the type of insurance and the circumstances of the claim. Further information is available from the FSCS at www.fscs.org.uk or by telephone on 0800 678 1100.

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Contact Information L Wood & Co Ltd 4 Aire Valley Park Wagon Lane Bingley BD16 1WA

Telephone: 01274 515747

Email: caravans@lwood.co.uk

Registered No : 1279184 L Wood & Co Ltd is Authorised and regulated by the Financial Conduct Authority. Registration Number 306091

Underwritten by: AXA Insurance UK plc. Registered in England No

78950. Registered Office:

5 Old Broad Street London EC2N 1AD

A member of the AXA Group of Companies. AXA Insurance UK plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Telephone calls may be monitored and recorded.

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Definitions applying to Sections 1, 2, 3 and 4 of this policy We have set out below definitions of certain words or phrases that are repeated throughout the policy and Schedule. If any of these words or phrases appear in an Endorsement to this policy they will have the same meaning. Contents All household goods, personal effects and clothing belonging to or the responsibility of You or Your Family and contained within the Structure or in the open within the boundaries of the Land belonging to the Structure. The term Contents does not include: • Property more specifically insured by this or any other policy. • Motor vehicles (other than domestic gardening machines), caravans, watercraft, aircraft and their

accessories. • Animals • Securities and documents of any kind • Permanent fixtures and fittings of any kind • Property or Money held for any professional or business purpose other than the letting of the

Structure for reward. • Unspecified Personal Possessions • Any one antique, painting or objet d’art in excess of 20% of the full value of the Contents insured. Endorsement A variation in the terms (or change of details) of Your policy.

Freezer Food Food contained in a domestic freezer cabinet.

Heave The upward or sideways movement of the site on which Your Structure is situated, caused by swelling of the ground.

Hirer The person(s) hiring Your Structure on a temporary basis for an agreed payment.

Household Linen Towels, bed and table linen.

Insured, You The person or people named in the Schedule.

Land The Land belonging to the Structure.

Landslip A downward slip or movement of a mass of rock, earth or artificial fill.

Market Value The value of the Structure taking into account its type, age, wear and tear and general condition in the market at the time of the loss, together with the cost of site clearance, debris removal and dismantling.

Money Money of any kind, including cash bankers drafts, cheques, credit/debit or charge cards or any other type of financial instrument.

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New for Old The cost of replacing the Structure with its brand new equivalent in the event of a total loss taking into account fees and associated costs applicable.

Period of Insurance This is the period for which You are insured as shown in the Schedule. Unspecified Personal Possessions Jewellery, watches, furs, gold and silver articles, Money, cameras, curios, Sports Equipment, spectacles, musical instruments, hearing aids, laptops, computers, tablets and other electronic devices. The term Unspecified Personal Possessions does not include mobile telephones or any property more specifically insured by this or any other policy. Schedule The Schedule shows details of the Insured, policy number, the insured premises and the property insured, the Period of Insurance, The Standard Excess, the Endorsements which apply and the premium. The Schedule is part of the policy and can be found inside the front cover. We will issue a new Schedule when the policy is altered.

Sports equipment Pedal cycles, fishing rods, wet suits, surf boards, golf clubs kept at Your Structure which belongs to You, or Your Family, or for which You are legally responsible. Structure The Caravan/Chalet/Lodge used as a retreat, holiday home or permanent residence (including standard fixtures, fittings and equipment supplied by the manufacturer when new), service connections, solar panels, floatation devices, ancillary domestic outbuildings, fixed storage chests, decking, veranda, steps, balconies, hot tubs, patios, skirting to the Caravan/Chalet/Lodge and associated landscaping, fences and gates, which belong to You or for which You

are responsible. Subsidence A gradual sinking to a lower level or the sudden collapse of something into a hollow beneath it. Sum Insured The amount insured as shown in Your Schedule. The Standard Excess The first part of any claim which You must pay. This will vary depending on which part of the policy through which You are looking to claim and details of Your excess will be shown under the ’What is not covered’ section. United Kingdom England, Wales, Scotland, Northern Ireland, Channel Islands and the Isle of Man. Unoccupied When the Structure is left unattended by You, or a responsible member of Your Family, or a responsible adult for a period in excess of 72 hours We/Our/Us L Wood & Co Ltd Insurers AXA Insurance UK plc Your Family

Your spouse, partner, civil partner, children (including adopted and foster children), parents, and other relatives

who permanently live with You. 11

Section 1; Structure and Contents What is covered A. Standard Cover We will pay for loss of or damage to Your Structure and Contents during the Period of Insurance caused by the following: 1. Fire, smoke, explosion, lightning,

thunderbolt and earthquake

2. Riot, civil commotion, strikes and labour disturbances

3. Aircraft and other aerial devices or anything dropped or falling from them

4. Storm or tempest including hail or weight of snow, flood

5. Theft or attempted theft

What is not covered A. Standard Cover The Standard Excess shown in the Schedule other than when a more specific Excess applies.

1. Loss or damage due to any gradually

operating cause.

4. Loss or damage to fences, awnings or gates

unless Your Structure is damaged at the same time.

Loss or damage arising from seepage of water into any Structure through seals or seams.

Loss or damage caused by rising ground water levels.

5. Loss or damage while the Structure or any

part is lent, let or used for trade/business purposes, unless a person has used violent force to enter or leave the Structure.

Loss or damage by the Hirer or tenant.

Property left in the open apart from garden furniture where such items are padlocked to an immovable object.

Loss or damage by any person lawfully in Your Structure.

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What is covered 6. Escape of water, liquified petroleum gas or

oil from any fixed domestic water or heating installation

7. Collision by any vehicle or animal

8. Breakage or collapse of television or

radio aerials, satellite receiving dishes, their fittings or masts

9. Malicious acts or vandalism

10. Malicious damage by Hirers

We will cover damage caused maliciously by

Hirers where an additional premium has

been paid and cover has been agreed by Us

in writing as shown in Your Schedule.

What is not covered 6. Loss or damage to the installation itself.

Loss or damage caused by corrosion or wear and tear.

Loss or damage if Your Structure is left Unoccupied from 1st November to 15th March unless:

– The water has been turned off at the

mains and all equipment fully drained down. All taps must be left open and sinks and plug holes left unobstructed; or

– for any time the park remains open prior to the Structure being fully drained down, water has been turned off at the mains stopcock, all taps are left open, sinks and plug holes are left unobstructed; or

– Central heating systems containing

antifreeze are professionally fitted and maintained to the manufacturer’s specification.

7. Loss or damage caused by domestic

pets or vermin

9. Loss or damage by any person

lawfully in Your Structure.

10. The first £500 of any claim.

Any costs not substantiated by documentary evidence of prearranged bookings.

Loss or damage caused by the Hirer unless Structure has been checked for damage prior to and immediately after each hire arrangement.

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What is covered – continued 11. Falling trees, telegraph poles or

lampposts or any parts of them

12. Accidental damage to underground service pipes and cables for which You are responsible

13. Accidental damage

14. Subsidence, Landslip or Heave of the site on which Your Structure stands and for which You are legally responsible, provided that the pitch on which Your Structure stands is built on foundations

What is not covered – continued 11. The cost of removing fallen trees, telegraph poles

or lampposts other than from the immediate vicinity of the damaged Structure and disposing of them.

Loss or damage to fences and gates, unless Your Structure is damaged at the same time.

Loss or damage to the items themselves.

13. Any loss or damage caused by:

– occurrences more specifically insured

elsewhere in this policy

– wear and tear or gradually developing deterioration of the Structure

– domestic pets, vermin, insects, fungus, wet or dry rot

– mechanical or electrical breakdown or failure arising from the alteration or extension

of the Structure or cost of maintenance or routine decoration

– faulty workmanship defective design or use of defective materials.

14. The first £500 of each and every loss,

Loss or damage caused by: – The new Structure bedding down

– newly made-up ground settling

– normal settlement, shrinkage or expansion

– demolition, structural alteration or repair

– inadequate foundations and/or foundations

which did not meet building regulations current at the time of construction

– coastal or river bank erosion

– defective materials, defective design or faulty

workmanship

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What is covered

15. Water freezing in any fixed domestic water or heating installation.

16. Freezer Food

We will pay up to £350 for any one claim for loss or damage to freezer foods caused by a rise or fall in temperature.

17. Metered Water and Loss of Oil Up to £1,000 for loss of metered water or domestic heating oil following accidental damage to interior fixed domestic heating or water installations.

What is not covered

Loss or damage to solid floor slabs or damage resulting from their movement unless

the foundations beneath the external walls of the Structure are destroyed or damaged at the same time and from the same cause

Loss or damage to paved terraces, patios, paths, drives, boundary and garden walls, fences and gates, unless the Structure is damaged

15. Loss or damage caused by corrosion or wear and tear.

Loss or damage if Your Structure is left Unoccupied from 1st November to 15th March unless:

– The water has been turned off at the mains and all equipment fully drained down. All taps must be left open and sinks and plug holes left unobstructed; or

– for any time the Park remains open prior

to the Structure being fully drained down, water has been turned off at the mains stopcock, all taps are left open, sinks and plug holes are left unobstructed; or

– Central heating systems containing antifreeze are professionally fitted and maintained to the manufacturer’s specifications.

The Standard Excess shown in the Schedule.

16. Loss or damage caused by a utility

supplier deliberately cutting off or

reducing the supply to Your Structure.

Food stored in freezer units which are over

10 years old at the time of loss.

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What is covered – continued 18. Replacement Locks The cost of replacing locks following the loss or theft of keys or damage to the locks of any external doors and windows or intruder alarms and safes installed in Your Structure.

The most We will pay You for any one claim is £500. B. Additional Covers 1. Additional Expenses After a claim which is insured under the Standard Cover We will pay the following expenses or losses which You have incurred with Our permission: • architects, surveyors’ legal and other fees

to rebuild or repair Your Structure

• the additional costs of rebuilding or

repairing the damaged parts of Your Structure to meet the Government or Local Authority requirements.

• Reasonable re-siting, delivery and

debris removal charges for which You are responsible not exceeding £10,000 in total

2. Rent and Alternative Accommodation If Your Structure is rendered uninhabitable because of any loss or damage which is insured under the Standard

Cover We will pay You the following expenses or losses: • The cost of reasonable alternative accommodation

whilst the Structure cannot be occupied

for up to 21 days.

• Rent You would have received or rent/pitch

fees You would have paid for the period

the Structure could not be occupied.

The most We will pay You for any one claim is 20% of the total Sum Insured for Structure and Contents.

What is not covered – continued 18.

The Standard Excess as shown in the Schedule.

Loss by theft not reported to the police.

B. Additional Covers 1. Additional Expenses

Any costs of preparing a claim under this policy.

Re-siting charges if the Schedule shows

that You have selected a claims settlement on a Market Value basis.

2.

Any costs incurred without prior agreement.

Any costs not substantiated by documentary evidence of prearranged bookings.

Loss of rental income following an unplanned and unexpected closure of Your park and its facilities.

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What is covered 3. Unrecovered damages We will pay You all sums which You have been awarded in courts of United Kingdom jurisdiction and which have not been paid to You within 3 months of the date of the award, if; • The cover provided under Liability to the

Public and Personal Liability extension on page 20 would have insured You if the award had been made against You rather than in Your favour; and

• You do not have an appeal pending.

We will not pay more than the limit under the cover provided by the Liability to the Public and Personal Liability extension on page 20. 4. Emergency Access We will pay You up to £500 for loss or damage to Your Structure caused when the fire, police or ambulance service has to force an entry to Your Structure because of an emergency or perceived emergency. 5. Selling Your Structure When You have exchanged contracts to sell Your Structure We will give the buyer the benefit of this insurance until the sale is complete.

What is not covered

5. Loss or damage if the buyer is insured under any other insurance policy.

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C. Amount payable and adequacy of Sum Insured C1 – New for Old In the event of insured loss of or destruction of or damage to any Structure or Contents, (other than

Household Linen and/or clothing) We will pay the full cost of repair or replacement (at insurers

discretion) without any deduction for age, wear, tear or depreciation provided that: • the Structure is maintained in good repair, and

• the Sum Insured for Your Structure when any loss destruction or damage occurs, is not less

than the current cost of replacing with new, and

• the Sum Insured for Your Contents, when any loss, damage or destruction occurs, is not less than the current cost of replacing with new

• the replacement article is substantially the same as but not better than, the original article

• You actually incur the cost of the repair or replacement of the lost, destroyed or damaged

Structure and/or Contents.

In the event of the above provisions not being complied with, We will only cover You for the cost of repair or replacement after allowance has been made for age, wear, tear, and depreciation of the Structure and Contents lost, destroyed or damaged up to but not exceeding the Sum Insured. In respect of Household Linen/clothing, We will only cover You for the cost of repair or replacement after an allowance has been made for age, wear, tear and depreciation.

If the Structure or Contents are of a greater value than the Sum Insured when any loss, destruction or damage occurs then You shall be considered to be Your own insurer for the difference and shall bear a proportional share of the claim costs accordingly. e.g. If Your Structure has a current value £20,000 but You chose to insure it for only

£10,000, in the event of a claim as You are 50% underinsured, any claim settlement will be reduced by 50%, provided that the total liability of the Insurers during the Period of Insurance shall not exceed the Sum Insured.

Alternatively, should a cash settlement be required We will arrange a cash settlement based on the current Market Value at the time of the loss.

C2 – Market Value If the Schedule shows that You have selected a claims settlement on a Market Value basis the following applies to Your policy:-

We will pay the cost of work carried out to repair or replace the damage parts of the Structure.

If We know the Structure is under a hire purchase agreement, We will pay the hire purchase company.

We will pay the cost of repair or replacement less a deduction for any wear and tear

D. Automatic Reinstatement of Sum Insured

The Sum Insured by this section shall not be reduced by the amount of any claim providing You

agree to carry out any reasonable recommendations put forward by Us to prevent further loss and

shall pay any pro rata additional premium required up to the following renewal. 18

Section 2; Liability

What is covered 1. Accidents to domestic employees We will pay all amounts up to the limit shown below that You (or after Your death, Your legal representatives) become legally liable to pay as compensation including the claimants costs and expenses due to a domestic employee’s accidental death or bodily injury occurring during the Period of Insurance. In addition We will also pay any costs and expenses You have incurred with Our written permission. We will not pay more than £10,000,000 for any accident or series of accidents comprising one event. 2. Liability to the public and personal liability We will pay all amounts up to the limits shown below that You (or after Your death, Your legal representatives) and Your Family become legally liable to pay as compensation including the claimants costs and expenses due to:-

• Accidental death of or bodily injury to any person other than a member of Your Family or domestic employee; or

• Accidental loss or damage to property which does not belong to You or is not in the charge or control of You or Your Family or domestic employees; or

• You owning the Structure and its Land or any other building or Land

Occurring during the Period of Insurance in the United Kingdom brought against You or Your Family in a court of United Kingdom jurisdiction. We will not pay more than £5,000,000 for any one accident or series of accidents comprising one event, in addition to: • Costs and expenses recoverable from You

by any claimant, providing these costs and expenses were incurred before the date on which We paid or offered to pay either the full amount of the claim or the total amount recoverable in respect of such claim,

• Costs and expenses incurred by You with Our consent.

What is not covered 1.

Any action for damages brought against You, other than in a court of United Kingdom jurisdiction.

Liability for payment of any fines.

Any claim other than Our rateable proportion where the Insured’s household insurance will provide cover.

2. Liability arising from the following is not covered:

Any profession, business or employment involving

You or any member of Your Family

You occupying any Land or building other than Your Structure

You owning or possessing a proscribed animal

under the Dangerous Dogs Act 1991 (and any amending Legislation)

A contract, unless You would have been legally liable anyway

Lift, aircraft or watercraft; or

You owning or using any mechanically or

electrically propelled vehicles (other than domestic garden equipment); or

You owning or using any animals other than horses, domestic dogs or cats

Accidents occurring away from the insured premises

Liability for payment of any fines

Any claim other than Our rateable proportion where the Insured’s household insurance will provide cover.

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Section 3;

Unspecified Personal Possessions Cover only applies if shown on Your Schedule.

What is covered

Loss or damage to property owned by You or Your Family, as described under the Policy Definitions, whilst residing in the Structure.

The most We will pay You for any one claim is £2,000.

Loss or damage to credit cards means financial

loss from fraudulent use by any unauthorised person of credit, charge or cash cards.

What is not covered

The Standard Excess as shown in the Schedule

Loss or damage caused by: – Wear, tear, fungus, insects, domestic

pets, any gradually operating cause or atmospheric or climatic conditions or depreciation.

– cleaning, alteration or repair.

– mechanical or electrical breakdown.

– detention or confiscation by Customs or other officials.

– theft from any unattended motor vehicle unless all doors, windows and other openings have been locked and the property hidden from view.

– deception unless deception is only used to gain entry to the Structure.

Loss or damage to: – Sports Equipment in course of play.

– Sports Equipment that exceeds £350 for

any single article.

– musical instruments by scratching or denting. – pedal cycles while racing.

– pedal cycles by theft unless securely locked when unattended away from the Structure.

– pedal cycle tyres or accessories unless the pedal cycle is lost or damaged at the same time.

– Money by mistake in change, counting or overpayment.

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What is covered What is not covered

– Property or Money held for professional or business purposes.

– Any single item valued at more than £500 unless specifically identified on Your Schedule.

– Unspecified Personal Possessions more specifically and properly insured under Your permanent/main residence policy.

Settlement of Unspecified Personal Possessions claims We will (at insurers discretion) pay the cost of repair or for replacement as new.

Where You have chosen not to repair or replace an item We will make a deduction for wear, tear and depreciation.

Sums Insured will not be reduced by the amount of any claim except for individually specified items which will be removed from cover after total loss or destruction. You must tell Us if specified items are to be insured again after replacement. The Sums Insured should be the cost of replacing all items covered as new.

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Section 4; Personal Accident What is covered If You or Your Family suffers physical injury caused solely and directly by an accident whilst

a) on holiday in Your Structure during the Period of Insurance, or

b) working on Your Structure

which within 52 weeks of the date of the accident solely and independently of any other cause results in their death or injury listed below We will pay You the following benefit:

1. Death:

a) Persons aged 16 years or over but less than 70 years. Sum Insured – £7,500

b) Persons aged under 16 years. Sum Insured – £500

2. Loss of use of one or more limbs or

total loss of sight in one or both Eyes. Sum Insured – £7,500

3. Permanent total disablement,

payable after the incapacity has lasted for 52 weeks. Sum Insured – £7,500

Definition

Permanent total disablement means the inability to engage in any relevant occupation

What is not covered Cover under this section is not available for persons aged 70 years or over.

No benefit shall be payable for an event caused directly or indirectly by:

a) Alcohol, narcotics or drugs unless taken as prescribed by a registered medical practitioner.

b) You or Your Family participating in driving or riding in any kind of race, rock climbing or mountaineering normally involving the use of ropes or guides, skiing, water skiing, tobogganing, potholing, skin-diving, scuba diving, snorkelling, hang gliding, parachuting, hunting on horse back, or any winter sports other than skating.

c) Self-inflicted injury

No benefit will be payable for death, loss or disablement occurring more than 12 months after the physical injury has been sustained.

Benefit shall not be payable under more than one of the Benefits (1-3) in connection with the same physical injury.

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Section 5;

Holiday Home Legal Expenses This insurance is administered by Arc Legal Assistance Limited and underwritten by Inter Partner Assistance S.A.

In the event of a valid claim under this insurance, Arc will appoint their panel Solicitors, or their agents, to handle Your case. You are not covered for any other legal adviser’s fees unless court proceedings are issued or a conflict of interest arises. Where, following the issue of court proceedings or a conflict of interest arising, You have elected to use an adviser of Your own choice, You will be responsible for any Advisers’ Costs in excess of Arc’s Standard Advisers’ Costs.

The insurance covers Advisers’ Costs up to the Limit of Indemnity where:-

a) The Insured Incident takes place in the Insured Period and within the Territorial Limits; and b) The proceedings take place in the Territorial Limits.

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Definitions applying to Section 5;

Holiday Home Legal Expenses

Adviser Arc Legal’s panel solicitors or their agents appointed by Arc to act for You, or, and subject to Arc’s agreement, where proceedings have been issued or a conflict of interest arises, another legal adviser nominated by You. Advisers’ Costs Reasonable legal fees and disbursements incurred by the Adviser with Arc’s prior written authority. Legal costs shall be assessed on the standard basis and third party’s costs shall be covered if awarded against You and paid on the standard basis of assessment.

Arc Arc Legal Assistance Limited who have arranged this insurance and administer it on behalf of the Underwriters. Holiday Home The Lodge, Chalet or Static Caravan insured under the policy to which this cover attaches.

Insured Incident The incident or the first of a series of incidents which may lead to a claim under this insurance. Only one Insured Incident shall be deemed to have arisen from all causes of action, incidents or events that are related by cause or time. Insured Period One year from the date shown on Your insurance schedule to which this cover attaches.

Limit of Indemnity The maximum payable in respect of an Insured Incident, which is £50,000.

Standard Advisers’ Costs The level of Advisers’ Costs that would normally be incurred by Underwriters in using a nominated Adviser of Arc’s choice.

Proceedings The pursuit or defence of civil legal cases for damages or injunctions and the defence of criminal prosecutions.

Territorial Limits United Kingdom, Isle of Man and Channel Islands.

Underwriters Inter Partner Assistance, a wholly owned subsidiary of AXA Assistance SA and part of the worldwide AXA Group. You/Your The owner of the Motorhome and any authorised person using or occupying the Caravan with the owners consent. If You die Your personal representatives will be covered to pursue or defend cases

covered by this insurance on behalf of You that arose prior to Your death. 24

Cover

What is covered Contract Disputes You are covered for the Advisers’ Costs to:

• Negotiate Your legal rights in a contractual dispute or for misrepresentation arising from an agreement or alleged agreement which You have entered into for the purchase or sale of the Holiday Home.

• Pursue contract claims against the person

or organisation that sold, hired or leased You defective goods or services for use in or connected to the Holiday Home including disputes with the park over the pitch where the Holiday Home is situated.

• Defend contract claims brought by

someone to whom You have sold Your private goods

intended to be for the private and personal use of that person.

Property Infringement Your legal rights in a civil action relating to the Holiday Home following any nuisance or trespass, provided that You are responsible for the first £250 of any claim.

The nuisance or trespass must have commenced at least 180 days after You first purchased the insurance policy to which this cover attaches or purchased similar cover which expired immediately before this insurance began.

Uninsured Loss Recovery and Personal Injury

Advisers’ Costs to pursue uninsured loss and personal injury/fatal accident claims against the person or organisation directly responsible, arising from events involving the Holiday Home.

What is not covered Contract Disputes The contract must have been made after You first purchased the insurance policy

to which this cover attaches.

Property Infringement • Any claim relating to any building or land

other than the Holiday Home.

• Defending any claim relating to nuisance or

trespass Uninsured Loss Recovery and Personal Injury

• Claims arising from an allegation of clinical negligence.

• Claims for stress, psychological or

emotional injury unless it arises from You suffering physical injury

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What is covered - continued Criminal Prosecution Defence You are covered for Advisers’ Costs to defend:- • Criminal prosecutions brought against You

arising from Your ownership or use of the Holiday Home.

What is not covered - continued Criminal Prosecution Defence • Pleas in mitigation unless Arc Legal believes

that such a plea will have a significant effect on the sentence.

• Prosecutions for dishonesty or intentional

violence or where the act or omission giving rise to the prosecution was deliberate.

• Parking offences.

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General Exclusions 1. There is no cover where:- • The Insured Incident began to occur or had occurred before You purchased the insurance policy

to which this cover attaches. • You should reasonably have realised that a claim under this insurance might occur when the

insurance policy to which this cover attaches was purchased. • A reasonable estimate of the Advisers’ Costs is greater than the amount in dispute • Your act or omission prejudices Your or the Underwriters’ position in connection with the

Proceedings. • Adviser’s Costs have not been agreed in advance or are above those for which Arc has given

its prior written approval.

2. There is no cover for any claim arising from:- • Works undertaken or to be undertaken by or under the order of any government or public or local

authority. • Planning law. • The construction of or structural alteration to buildings. • A contract involving a motor vehicle other than the Holiday Home • A dispute between You and someone You live with or have lived with • A lease or licence to occupy property or land other than the pitch where the Holiday Home is

situated. • Any venture for gain or business project of Yours. • A dispute between persons insured under this policy • A dispute about either the amount an insurance company should pay to settle an insurance claim

or the way a claim should be settled • An application for Judicial Review.

3. There is no cover:- • For Adviser’s Costs incurred in avoidable correspondence or which are

recoverable from a court, tribunal or other party. • For damages, interest, fines or costs awarded in criminal courts. • For claims made by or against the Underwriters, Arc or Your insurance scheme administrators. • Prior to the issue of court proceedings, for the costs of any legal representative other than

those of the Adviser unless expressly agreed by Arc. Such agreement is entirely at Arc’s

discretion.

4. Contracts (Rights of Third Parties) Act 1999 A person who is not a party to this contact has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this contract but this does not affect any right or remedy of a third

party which exists or is available other than by virtue of this Act.

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General Conditions 1. Cancellation You may cancel this insurance at any time by writing to Your insurance adviser providing 14 days written notice. If You exercise this right within 14 days of taking out this insurance, You will receive a refund of premium provided You have not already made a claim against the insurance.

Arc may cancel the insurance by giving 14 days’ notice in writing to You at the address shown on the schedule, or alternative address provided by You. No refund of premium shall be made.

Arc will only invoke this right in exceptional circumstances as a result of You behaving inappropriately, for example:

• Where Arc has a reasonable suspicion of fraud

• You use threatening or abusive behaviour or language or intimidation or bullying of Arc’s staff or suppliers

2. Claims a) You must notify claims as soon as reasonably possible within 180 days of the Insured Incident

and complete the claim form. This must be returned promptly with all relevant information.

b) Arc may investigate the claim and take over and conduct the Proceedings in Your name. Subject to Your consent which shall not be unreasonably withheld Arc may reach a settlement of the Proceedings.

c) You must supply at Your own expense all of the information which Arc reasonably requires to decide whether a claim may be accepted. If court proceedings are required or a conflict of interest arises, and You wish to nominate an Adviser to act for You, You may do so. Where You have elected to use an adviser of Your own choice You will be responsible for any Advisers’ Costs in excess of Arc’s Standard Advisers’ Costs. The Adviser must represent You in accordance with Arc’s standard conditions of appointment available on request.

d) The Adviser will:-

i) Provide a detailed view of Your prospects of success including the prospects of enforcing any judgement obtained.

ii) Keep Arc fully advised of all developments and provide such information as Arc may require.

ii) Keep Arc regularly advised of Adviser’s Costs incurred.

iii) Advise Arc of any offers to settle and payments in to court. If contrary to Arc’s advice such offers or payments are not accepted there shall be no further cover for Adviser’s Costs unless Arc agrees in its absolute discretion to allow the case to proceed.

iv) Submit bills for taxation or certification by the appropriate body if requested by Arc.

v) Attempt recovery of costs from third parties.

e) In the event of a dispute arising as to Adviser’s Costs Arc may require You to change Adviser.

f) Underwriters shall only be liable for costs for work expressly authorised by Arc in writing and undertaken while there are reasonable prospects of success.

g) You shall supply all information requested by the Adviser and Arc.

h) You are liable for any Adviser’s Costs if You withdraw from the Proceedings without Arc’s prior consent. Any costs already paid by Arc will be reimbursed by You.

3. Disputes Any dispute between You and Arc may, where we both agree, be referred to an arbitrator who will be either a solicitor or a barrister. If the parties cannot agree on their choice of arbitrator the Law Society may be asked to make a nomination. The arbitration will be binding and carried out under the Arbitration Act. The costs of the arbitration will be at the discretion of the arbitrator.

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4. Prospects of Success At any time Arc may, but only when supported by independent legal advice, form the view that You

do not have a more than 50% chance of winning the case and achieving a positive outcome. If so, Arc

may decline support or any further support. Examples of a positive outcome are:

a) Being able to recover the amount of money at stake

b) Being able to enforce a judgement

c) Being able to achieve an outcome which best serves Your interests.

5. Other insurances If any claim covered under this policy is also covered by another legal expenses policy, or would have been covered if this policy did not exist, Arc will only pay Arc’s share of the claim even if the other insurer refuses the claim. 6. English Law and Language This contract is governed by English Law and the language for contractual terms and communication will be English.

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Customer Services Information How to make a claim As soon as You have a legal problem that You may require assistance with under this insurance You should telephone the Legal Helpline.

Specialist lawyers are at hand to help You. If You need a lawyer to act for You and Your problem is covered under this

insurance, the helpline will ask You to complete and submit a claim form online by visiting

www.arclegal.co.uk/informationcentre. Alternatively they will send a claim form to You. If Your problem is not covered

under this insurance, the helpline may be able to offer You assistance under a private funding arrangement. In general terms, You are required to immediately notify Us of any potential claim or circumstances which may give rise to a

claim. If You are in doubt whether a matter constitutes a notifiable claim or circumstance, contact the Legal Helpline.

Legal Helpline You can use the helpline service to discuss any problem occurring under this policy within the United Kingdom, the Channel Islands and the Isle of Man.

Simply telephone 0344 770 1040 and when prompted quote “Towergate Holiday Home Legal Expenses Insurance”.

Data Protection Act Your details and details of Your insurance cover and claims will be held by Us and or the Insurer for underwriting, processing, claims handling and fraud prevention subject to the provisions of the Data Protection Act 1998.

Customer Service Our aim is to get it right, first time, every time. If We make a mistake, We will try to put it right straightaway.

If You are unhappy with the service that has been provided, You should contact Us at the address below. We will always confirm to You, within five working days, that We have received Your complaint. Within four weeks You will receive either a final response or an explanation of why the complaint has not been resolved plus an indication of when You will receive a final response. Within eight weeks You will receive a final response or, if this is not possible, a reason for

the delay plus an indication of when You will receive a final response. After eight weeks, if You are unhappy with the delay, You may refer Your complaint to the Financial Ombudsman Service. You can also refer to the Financial Ombudsman Service if You cannot settle Your complaint with Us or before We have investigated the complaint if both parties agree.

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Our contact details are:- Arc Legal Assistance Ltd PO Box 8921 Colchester CO4 5YD Tel: 01206 615000 Email: customerservice@arclegal.co.uk

The Financial Ombudsman Service contact details are:-

Financial Ombudsman Service Exchange Tower London E14 9SR Tel: 08000 234 567 Email: complaint.info@financial-ombudsman.org.uk

Compensation We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if We or the Insurer cannot meet their obligations. Your entitlement to compensation will depend on the circumstances of the claim. Further information about compensation scheme arrangements is available at http://www.fscs.org.uk/ or by telephoning 0800 678 1100.

Authorisation Arc Legal Assistance Ltd is authorised and regulated by the Financial Conduct Authority. Arc Legal’s Firm Reference Number is 305958. This can be checked on the Financial Services Register by visiting the website www.fca.org.uk/register or by contacting the Financial Conduct Authority on 0800 111 6768.

Inter Partner Assistance in the UK is a branch of Inter Partner Assistance SA (‘IPA’). IPA is authorised by the Belgian National Bank and subject to limited regulation by the Financial Conduct Authority in the UK. Details about the extent of IPA’s regulation by the Financial Conduct Authority are available from IPA on request. IPA is listed on the Financial Services Register under number 202664. This can be checked by visiting the website www.fca.org.uk/register or by contacting the Financial Conduct Authority on 0800 111 6768.

IPA address details are:

Inter Partner Assistance The Quadrangle 106-118 Station Road Redhill Surrey RH1 1PR Registered No: FC008998

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Exclusions Which Apply to the Whole Policy We will not pay for

1. Radioactive contamination a) Loss or damage to any property or any loss or expense resulting or arising there from or

any loss following on from the event for which You are claiming.

b) Any legal liability directly or indirectly caused by or contributed to by or arising from:

• ionising radiations or contamination by radioactivity from any irradiated nuclear fuel or from any nuclear waste from the combustion of nuclear fuel and

• the radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or of its nuclear component.

2. Sonic Bangs Loss or damage by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.

3. Pollution/contamination Loss, damage, liability or bodily injury arising directly or indirectly from pollution or contamination unless caused by:

a) a sudden and unforeseen and identifiable incident b) leakage of oil from a domestic oil installation at Your Structure

4. Terrorism Any loss damage or cost or expenses of whatsoever nature directly or indirectly caused or occasioned

by or happening through or in consequence of terrorism or any action taken in controlling preventing or suppressing any acts of terrorism or in any way relating thereto.

For the purpose of this exclusion ‘terrorism’ means the use of biological chemical and/or nuclear chemical and/or nuclear force or contamination and/or threat thereof by any person or group of persons whether acting alone or on behalf of or in connection with any organisation(s) or government(s) committed for political religious ideological or similar purposes including the intention to influence any government and/or to put the public or any section of the public in fear. However losses caused by, or resulting from, riot, attending a strike, civil commotion and malicious damage are not excluded hereunder.

5. War Risks Any loss damage or liability occasioned by or happening through war invasion act or foreign enemy hostilities (whether war is declared or not) civil war rebellion revolution insurrection or military or usurped power. 6. Riot/Civil Commotion Any loss damage or liability occasioned by or happening through riot or civil commotion outside the United Kingdom the Isle of Man or the Channel Islands.

a) Reduction in Market Value Any reduction in Market Value of any property following its repair or reinstatement.

b) Confiscation

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Any loss damage or liability occasioned by or happening through confiscation or detention by customs or other officials or authorities.

7. Gradual deterioration/maintenance Any loss or damage caused by wear and tear, depreciation, the effects of light or the atmosphere, mould, dry or wet rot or fungus and costs that arise from the normal use, maintenance and upkeep of Your Structure and its Contents. 8. Matching of Items We will not pay the cost of replacing, repairing or changing any undamaged items or parts of items forming part of a set, suite, carpet or other items of a common nature, colour, design or use where the remaining items can still be used and the loss or damage only affects one part of the set.

9. Existing and deliberate damage We will not pay for any loss or damage which happens before cover starts or which arises from an

event before cover starts, or any loss or damage caused deliberately by You or Your Family.

10. Additional General Exclusions

You are also not covered for the following:

– Any loss sustained by You or Your Family following on from the event for which You are claiming.

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Conditions Which Apply to the Whole Policy You and Your Family must comply with the following claims conditions to have the full protection of Your policy.

If You do not comply with them We may at Our option cancel the policy or refuse to deal with Your claim or reduce the amount of any claims payment.

1. Reasonable care You must take all reasonable care to prevent accidents, safeguard Your property against loss or damage and maintain it in a sound condition. You must act at all times as if You are uninsured and attempt to keep all costs/expenses in respect of any claim to a minimum. You must comply with all statutory obligations and regulations. 2. Contribution If at the time of any loss, damage or liability covered under this policy You have any other insurance which covers the same loss, damage or liability We will only pay a rateable share of the claim. 3. Fraud You and Your Family must not act in a fraudulent manner.

If You or anyone acting for You:

• make a claim under the policy knowing the claim to be false or fraudulently exaggerated in any respect; or

• make a statement in support of a claim knowing the statement to be false in any respect; or • submit a document in support of a claim knowing the document to be forged or false in any

respect; or • make a claim in respect of any loss or damage caused by Your wilful act or with Your

connivance.

Then: • We shall not pay the claim • We shall not pay any other claim which has been or will be made under the policy • We may at Our option declare the policy void • We shall be entitled to recover from You the amount of any claim already paid under

the policy since the last renewal date • We shall not make any return premium • We may inform the Police of the circumstances

4. Law Applicable Clause You and We can choose the law which applies to this policy. We propose that the Laws of England and Wales applies. Unless We and You agree otherwise the Laws of England and Wales will apply to this policy. 5. Data Protection Act 1998 It is understood by You that any information provided to Us regarding You or Your Family will be processed by Us, in compliance with the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties.

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6. Gas Cylinders In the event of any Structure being left without an inhabitant for more than 15 consecutive days the insurance by this policy excludes loss damage and liability arising from gas cylinders at the Structure unless the gas cylinders are securely chained to the exterior of the Structure or placed within securely locked and approved exterior storage sheds or fixed containers elsewhere on the park.

7. Cancellation Statutory Cancellation Rights You may cancel this policy within 14 days of receipt of the policy documents (new business) or the renewal date (the cancellation period) by writing to Us at the following address during the cancellation period: L Wood & Co Ltd 4 Aire Valley Park, Wagon Lane, Bingley, West Yorkshire, BD16 4PD

There is no refund of premium in the event of a total loss claim. However, in all other cases, We will retain an amount of premium in proportion to the time You have been on cover and refund the balance to You. In the event of a total loss, if You are paying by instalments, You will either have to continue with the instalment payments until the policy renewal date or We may at Our discretion, deduct the outstanding

instalments due from any claim payment made.

Cancellation Outside The Statutory Period You may cancel this policy at any time by providing prior written notice to the above address. Providing

You have not incurred eligible claims during the period You have been on cover We will retain an

amount of premium in proportion to the time You have been on cover and refund the balance to You.

If You are paying by instalments Your instalment payments will cease and if You incur eligible claims You will either have to continue with the instalment payments until the policy renewal date or We may, at Our discretion, deduct the outstanding instalments due from any claim payment made.

We reserve the right to cancel the policy by providing 21 days prior written notice by registered post to

Your last known address. Any premium refund will be calculated in accordance with the above.

Non payment of premiums We reserve the right to cancel this policy immediately on written notice in the event of non payment of the premium or default if You are paying by instalments.

8. Changes in Your Circumstances You must notify Us as soon as possible of any change which may affect this insurance and in particular any change of address or change in use of the Structure. If You fail to tell Us of any change in circumstances You may not be covered in the event of a claim.

9. Maintaining Your Sum Insured You must at all times keep the Sum Insured at the correct level which represents the full value of the property insured.

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Claims Conditions You and Your Family must comply with the following claims conditions to have the full protection of Your policy. If You do not comply with them We may at Our option cancel the policy or refuse to deal with Your claim or reduce the amount of any claims payment.

1. Notification of claims a) Loss of or damage to Property In the event of loss or damage to property likely to result in a claim -

i) You must as soon as possible report to the police any theft, malicious damage, vandalism or loss of property.

ii) You must advise Us as soon as reasonably possible. iii) You must take all reasonable steps to minimize loss or damage and take all practical steps to

recover lost property and discover any guilty person. iv) We may require You to obtain estimates for the replacement or repair of damaged property v) As soon as possible after loss or damage by riot, deliver to Us at Your own expense a written

claim, together with such detailed particulars and proofs, certificates or other documents as may reasonably be required, together with details of any other insurance covering such injury or loss or damage.

b) Legal Liability In the event of any accident or incident likely to result in a legal liability claim You must -

i) advise Us as soon as possible and provide full details and assistance as required by Us. ii) as soon as possible send to Us any letter of claim, claim form, writ, summons, or other legal

document issued against You or Your Family without answering it. iii) give to Us all such proofs and information with respect to the claim as may reasonably be

required together with (if demanded) a statutory declaration of the truth of the claim and any matters connected with it.

2. Conduct of Claims

a) Our Rights In the event of a claim We may -

i) enter into and inspect any Structure where loss or damage has occurred, and take charge of any damaged property but no property may be abandoned to Us.

ii) exercise sole conduct and control over the defence or settlement of any claim made upon You or any other insured person by any other party and no negotiation shall be entered into nor any admission of liability or any promise, offer or payment made without Our consent.

iii) take over and control any proceedings in Your name for Our benefit to recover compensation from any source or defend proceedings against You.

b) Recovering of Lost or Stolen property If any lost or stolen property is recovered You must let Us know as soon as reasonably possible by recorded delivery.

If the property is recovered after payment of the claim it will belong to Us but You will have the option to retain it and refund any claim payment to Us.

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ENDORSEMENTS

Endorsements amend cover provided by Your policy. Endorsements only apply if they are listed in the ‘Endorsements Applicable’ section of Your Schedule of Insurance TI 1 – In respect of damage by storm, tempest or flood, it is a condition precedent to liability under this policy that You have taken all reasonable measures to ensure the Structure is securely anchored to the concrete base, if applicable, at each corner and side TI 2 – The policy is extended to cover letting other than to Family and Friends. Provided the Sum Insured is adequate, the policy is also extended to cover subsequent loss of rent should the Structure be rendered uninhabitable, because of any loss or damage which is insured under the Standard Cover. The policy does not cover loss of rental income following an unplanned and unexpected closure of Your Park and its facilities TI14 – It is hereby noted and agreed that the Sum Insured shown on the Schedule for the Structure includes a hot tub. TI17 – Under Section 1 Structures and Contents, item 13 Accidental Damage. The insurer agrees to cover loss or damage caused by Vermin

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