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Please note: the explanation of terms below is intended for guidance only. For contractual definitions, refer to the Certificate of Insurance.

The amount shown in the Schedule which represents the price you paid an approved caravan dealer for your caravan. This is the most we will pay you if your caravan is lost, totally destroyed or where the reasonable cost of repairs is greater than the agreed value.

A dealer operating from bona fide business premises whose primary business is the buying, selling, servicing, or repairing of caravans.

Whilst you are not on holiday with your caravan, it must be at one of the following approved locations:

  • Parked on your property or at the property of a relative, within 50 feet of your home or the home of a relative; or
  • In a securely locked compound designed for the purpose of storing caravans with a clearly defined perimeter that identifies it as a private area and restricts unauthorised access and exit as far as possible and which provides daily supervision and inspection; or
  • Whilst seasonally sited on a licensed caravan park, provided that the entrance(s) and exit(s) to the park are securely locked at all times, with a clearly defined perimeter, where visitors are checked in and out and the park provides daily supervision and inspection.

The structure, fixtures and fittings and integral furniture and furnishings of the touring caravan, folding caravan, trailer caravan or trailer tent, as stated in the Schedule.

The Caravan Site Storage Owners’ Association.

The Certificate is evidence of your contract of insurance with the Underwriters. It is called a Certificate rather than a policy because it is issued by Thistle Insurance Services Limited as agent of the underwriters. A policy can only be issued directly by the underwriters.

Bedding, linen, luggage, general household goods, portable television sets, audio equipment, furnishings not fitted to the caravan and personal possessions belonging to you or your family, as stated in the Schedule. This does not include money or valuables.

UK manufactured caravans have been CriS registered since 1992. Ensure your caravan is registered in your name and the CriS number is electronically tagged to aid the police in establishing your ownership.

Etching the windows with the CriS number and using invisible markers to “stamp” the CRiS number throughout the inside of your caravan will not only help identify the caravan as yours but will also make it less attractive to the thief who wants to sell off its parts.

Awnings, toilet tents, refrigerators, gas bottles, batteries, security devices, stabilizers, generators, wheel clamps and the like.

Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France (including Monaco), Germany, Gibraltar, Greece, Hungary, Iceland, Italy (including San Marino and the Vatican City), Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, Slovakia, Slovenia, Spain, Sweden, and Switzerland (including Lichtenstein).

The first amount of a loss you pay towards a claim.

Your spouse or partner and children, including foster children.

The cost, at the date the incident occurred, of a used replacement caravan of the same make, model, age and condition after taking into account wear, tear and depreciation. The maximum amount underwriters will pay will be limited to the sum insured shown in the Schedule.

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

The cost of a new replacement caravan of the same make and model as your caravan and the cost of new replacement equipment of similar type, or the nearest equivalent or cash equivalent, after taking into consideration any discount available to underwriters. The maximum amount underwriters will pay will be limited to the sum insured shown in the Schedule.

The payment you make, shown in the Schedule, in return for us giving you insurance.

The attachment to this Certificate which personalises cover to you; it shows your name, address, premium, make of caravan, the sum insured, the sections of the cover in the Certificate you have selected and period of insurance.

Any person other than you, a member of your family or an employee of you or your family.

The administrators of the insurance.

England, Wales, Scotland, Northern Ireland, The Channel Islands and the Isle of Man, including transits between those areas.

Guide to Terms of Business

Download a PDF explaining Thistle's relationship with you and your insurance. Download