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Understanding Our New
Apia Caravan Insurance PDS
Introducing the new Apia Caravan Insurance Product Disclosure Statement (PDS) for policies renewing on or after 23 March 2021. The PDS contains important information you need to know about your Apia insurance product. Please ensure you read it carefully.
We’ve changed the layout of the PDS to help make it easier to understand. And we have also made other changes to the policy – we have added and changed covers and we have added and changed exclusions and conditions.
Below are some examples of things we have changed:
- Extra support (new section in your PDS)
- Your responsibilities
- When you need to contact us (we have expanded the situations when you need to contact us)
- When you replace your caravan
- Excesses (when and how to pay)
- Things we don’t cover
- How we settle your claim
- Unavailable parts
- Contribution to repairs
- Joint policyholders
- Conduct of others (new section in your PDS)
For full details, please refer to your PDS.
How we settle content claims
We have also updated the way that we settle contents claims. If your claim for loss, theft or damage to your contents is covered, we’ll replace the item to the same or similar standard and specification (it can be a different brand), or you can request a cash settlement and we’ll pay you what it would have cost our preferred repairer to repair or replace the contents (up to the limit of cover).
Our right to recover from those who are responsible
We have added examples of the assistance that may be required from you if we take action against a party for the recovery of your loss.
The information above is not a complete list of the changes to your Apia Caravan Insurance. For full details of what is and isn’t covered, please read the Apia Caravan Insurance Product Disclosure Statement (PDS). Consider the PDS before making a decision about this insurance