Caravan and Trailer insurance updates

The terms ‘charged with’ and ‘wilful damage’ have been added to this condition. 

During your contract period you must notify us as soon as practically possible if:  

• you or anyone covered under this policy have been charged with or convicted of any criminal act relating to fraud, theft, dishonesty, arson, wilful damage or malicious damage. 

Contents also excludes: 

• cash, other negotiables or any items which can be exchanged for cash (such as vouchers, money orders or tickets), smartcards or phone cards; and
• credit, debit or other bank cards. 

Definition updated to include any wearable adornment containing a valuable material; and can be a smart device such as a smart watch. Jewellery is excluded as contents. 

We will not pay for: 
2. repair of the caravan, trailer or annex to a better standard, specification, condition or quality than existed prior to the incident covered by your policy. 

Authorised persons and drivers have been added to this condition. 

9. You, any authorised person, and any person who was driving the caravan or trailer with your permission at the time of the incident that you are claiming for, must give us full co-operation and comply with all our requests in relation to your claim. 

New section explaining how we will settle your claim where we are unable to carry out repairs due to the condition of the caravan, trailer or annex prior to the incident. This can involve you making a financial contribution to the repairs. 

The single excess benefit when claiming on more than one Youi policy for the same incident extends only to a spouse’s or defacto partner’s policy where the policyholders are not the same person or legal entity.