Caravan insurance

You can take your caravan outside the UK with you, provided you have the correct paperwork in place and bring any necessary documentation with you. What this entails will be different depending on where you are intending to visit but you can expect to bring:

·       Your driving licence

·       Your passport

·       Proof of ownership (for both your car and caravan)

·       Proof of valid MOT (for your car)

·       Proof of insurance or a Green Card

·       An International Driving Permit

You should also remember to take out a suitable travel insurance policy to ensure you have the right cover in place for your trip abroad.

You can caravan cover if you live in your caravan and in some cases it’s a very good idea to ensure that a policy is in place. Your caravan is your home and if anything were to happen to it, you could find yourself in a stressful and costly situation without financial protection in place.

Yes, your family and friends are able to use your caravan however, you should check the details of your insurance policy before doing so. A lot of insurers offer automatic cover when loaning your caravan to someone you know but exclude loaning your caravan out for financial gain, so be clear about what the circumstances are when speaking to your insurer.

Touring caravans can be differentiated from static caravans by one key feature – they are mobile. While location must be considered when choosing a static caravan, touring caravans are designed to be taken with you wherever you choose to go on holiday.

Touring caravans are usually towed behind your car, which means they must be narrow enough to fit inside road lane markings – limiting the internal space compared to a static caravan. Because of this, touring caravans are the best option when it comes to location flexibility. If you prioritise having a larger, more flexible space to stay in, static caravans are probably the better option.

It is possible that your home contents insurance policy provides cover for some items in your caravan. If this is the case, it is most likely that the items covered will be things like your clothing, laptop, or anything else that isn’t stored in the caravan permanently. It’s highly unlikely that items belonging to the caravan, such as soft furnishings and awnings, will be covered.

Every policy is unique so you should always check the terms carefully, but it isn’t uncommon for the following scenarios to be excluded:

• Damage/theft caused by carelessness or lack of security

• General wear and tear

• Mildew or mould damage

• Using your caravan in a way not listed in the policy (e.g. as your main home or running a business from it)

Caravan insurance can cover you for storm damage as well as fire and flood damage depending on the terms of your policy. This can be a useful cover if your caravan is parked in an area that is prone to flooding.

Check your policy documents to make sure this protection is included with your caravan insurance policy and that the cover is sufficient.

Caravan insurance doesn't usually cover internal damage and is only able to cover damage caused from damp in specific circumstances. If the damp is caused by neglect, wear and tear, condensation, or a plumbing accident while parked, then it's unlikely that your insurance will cover you. However, caravan insurance may cover damp if it's caused by an accident. For example, insurance will help you cover repairs if your caravan is hit by another vehicle, causing a pipe to break and leak water. You will need to be able to prove that the damp was caused by an external force for any claim to be approved.

Your car insurance can cover your car if you are towing a caravan. This means that if something happens to your car while it's towing a caravan, the damages to your car will be covered by your policy. However, a car insurance policy will not cover any damages made to your caravan.