| If the driver of the car towing or attached to your caravan was not licensed or authorised to drive it. |
NO |
| But the car towing or attached to your caravan was being driven or was towing or attached to your caravan without your consent. |
YES |
| If your caravan was being demonstrated for sale. |
NO |
| But you were the driver or a passenger of the car towing or attached to your caravan during the demonstration. |
YES |
| If the driver of the car towing or attached to your caravan was under the influence of intoxicating liquor or of a drug or whose blood alcohol level was in excess of the legal limit in force where the car was being driven or who refused or failed to submit a specimen for testing as required by law where the car was being driven. |
NO |
| But the car towing or attached to your caravan was being driven without your consent. |
YES |
| If your caravan or the car towing or attached to your caravan was in an unroadworthy or unsafe condition that contributed to the accident being a condition that was known to and disregarded by you. |
NO |
| If the car towing or attached to your caravan was carrying more passengers or loaded above the legal limit or loaded in an illegal way. |
NO |
| If your caravan was loaded above the legal limit or loaded in an illegal way. |
NO |
| If the car towing or attached to your caravan was being used or tested in or for a race, trial, test or contest. |
NO |
| If the car towing or attached to your caravan was being used on a competition circuit, course or arena. |
NO |
| If your caravan was being used for hire or reward. |
NO |
| If your caravan was outside Australia. |
NO |
| If your caravan was converted, altered or modified from its maker’s specifications. |
NO |
| But the work was carried out by an appropriately licensed person or organisation. |
YES |