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Caravan insurance

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What is caravan insurance?

Caravan insurance protects you financially if something happens to your caravan or its contents. There are many different policies on offer, and which one you choose will depend on the type of caravan you have and the level of cover that you’re looking for.

Do I need caravan insurance?

However, insurance is not a legal requirement for static or touring caravans, so in those cases you do not legally require it, though it’s probably still a good idea for lots of reasons.

Before deciding whether or not to purchase caravan insurance, it’s a good idea to really weigh up the pros and cons. Insurance can seem like an unnecessary expense but if you work out the cost of replacing your entire caravan and all of its contents in the event of a fire, you might change your mind.

What type of caravan insurance do I need?

When you take out an insurance policy for your caravan, you’ll need to consider its type as well as the kind of cover you want. There are plenty of varieties of caravan and they all need different types of insurance.

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    Touring caravan insurance

    This provides financial protection for caravans 
that are towed behind another vehicle

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    Static caravan insurance

    This covers stationary caravans, such as those sited in holiday parks

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    Motorhome insurance

    Motorhomes are technically vehicles, and therefore require at least third-party insurance

Types of cover

You also have to think carefully about what type of cover you’re looking for – if you have a static or touring caravan, then you will usually have to choose between new-for-old and market value cover.

  • New-for-old - means that your caravan is insured for the value of a brand-new replacement model

  • Market value - means it’s insured for its own current market value

If you have a motorhome, you will have to choose between the usual levels of cover for motor insurance – third party only, third party fire and theft, and fully comprehensive. On top of that, you can select additional cover options like driving abroad, windscreen cover and breakdown cover.

In any instance, we would recommend looking into the types of cover available to ensure that your caravan, contents and holiday are protected.

How much does caravan insurance cost?

What you pay for caravan insurance can vary hugely from person to person. This is because numerous variable factors are used to calculate premiums, including but not limited to:

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    Your age

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    Your caravan contents

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    The level of cover you choose

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    Your insurance history

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    Where your caravan is parked

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    Your policy length

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    Your caravan’s make and model

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    Your caravan’s security features

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    The policy excess amount

What does caravan insurance cover?

A caravan insurance policy can provider cover for the following:

  • Internal and external damage

    For example, damage caused by a leak inside the caravan, or a dent resulting from being towed or parked

  • Burglary and theft

    If your caravan is detached and stolen, or if someone breaks in and damages or steals its contents

  • Car MonitorThird-party liability

    If your actions result in a person being injured or their property being damaged

How can I reduce the cost of caravan insurance?

  • Your caravan choice: If you’re looking to buy a caravan, keep in mind that bigger and more expensive models are usually costlier to insure

  • Security and storage: Keeping your caravan stored in a secure location – particularly sites that are CaSSOA 
approved – your insurer may reward you with lower premiums. Improving its security features can also bring your premiums down

  • Policy extras: Your policy may come with extra features that can bolster your cover, but only get these if you really need to – otherwise you’ll be over-paying for protection you’ll never use

  • No claims bonus: if you can go for a few years without making a claim on your policy – for example, tending to minor fixes on your own – then you can build up a no-claims discount for future premiums

  • Club membership: If you’re a member of a club such as the Caravan and Motorhome Club or Camping and Caravanning Club you may get a discount from some providers

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 definitely get insurance if you live in your caravan and in some cases it’s a very good idea to do just that. Your caravan is your home and if anything were to happen to it, you could find yourself in a stressful situation without financial protection in place.

If you live in your caravan then you presumably have all of your most precious personal possessions there with you, too, which could be difficult and potentially very costly to replace without insurance.

There is nothing stopping you from lending your caravan to your family or friends, but it’s advised that you 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)