Yes. If you have a Comprehensive Car policy and a Home Policy (Building and/or Contents) at the same address your policies may qualify for a multi policy discount.
Full terms and conditions applicable to the Multi Policy Discount are available from www.youi.co.nz/mpd
We include extra cover for contents inside the caravan up to set limits. You can also choose to upgrade the level of cover for contents.
Note: contents cover is not available with Third Party Property Only Policies.
Cover is included if the caravan needs to be towed after an incident and you are unable to safely do so yourself.
There is also some cover for any emergency costs incurred as a result of the incident which includes accommodation, transportation and any emergency repairs that need to be made to the caravan. These benefits apply when your caravan is insured Comprehensively or with Third Party Fire and Theft cover.
When you select either Comprehensive Cover or Third Party Property Fire and Theft Cover you can choose to include optional cover for your Annex.
We classify the way you use your caravan or trailer as follows:
Private Use Your caravan or trailer is used for social, domestic and pleasure purposes. We will cover the caravan or trailer when it is used privately.
Business use Your caravan or trailer is used as an essential part of any work or business or it is used to generate income or reward. In this situation we also be able to offer you cover. We will ask you about the way you use your caravan or trailer during the quote.
If we cover your caravan or trailer for business purposes it will be noted as such on your policy schedule.
When you select either Comprehensive Cover you have the option to add Motor Burnout cover.
With a comprehensive policy you choose the insured value of the Caravan. Your policy schedule shows the amounts and details of the insured property. This is the maximum we will pay for an insured event.
Within the first 2 years, if your new caravan is a total loss we will replace it with a new one or pay the equivalent cost.
You must have been the first registered owner or, if it is not registered, you must be able to provide documentation showing you as the first owner.
Any repairs to the Caravan, which have been completed by a repairer that we have nominated and approved, will be guaranteed for the lifetime that you own the caravan.
As all of our documentation including quotes, policy and claims information is sent to you via email, it is very important that we have your current email address.
We also recommend that you add Youi to your contacts list so that your emails are received. If you are unable to locate an email we have sent you, please check the junk/spam section of your email. For Gmail users, try looking under the promotions tab.
Your Policy Wording and policy schedule are sent with all new and amended policies.
Copies of the following documents can be arranged by calling 0800 00 YOUI (9684) or by downloading them via our website:• Certificate of Currency • Tax Invoice
We take the worry out of your hands by auto-renewing your policy when it is due. We send all renewal notices out in advance to allow you time to review and make any necessary changes.
You will be notified at claims time of any excess payable (basic and/or additional). The excess amounts will be noted on your policy schedule.