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Policy Features

As with any type of vehicle insurance, there are 3 levels of cover available:

  • Fully comprehensive
  • Third party only
  • Third party, fire and theft

Here is a list of the most common features in a caravan insurance policy:

  • Accidental damage
  • EU cover
  • Legal expenses – up to £100,000
  • Lock and keys cover – up to £500
  • New for old replacement
  • Personal accident cover
  • Recovery and redelivery
  • Storm and flood damage
  • Worldwide cover

Policy Exclusions

There are certain things which your insurer will not cover. The most common exclusions on a caravan insurance policy are:

  • Awnings and gas bottles
  • Mechanical and electrical breakdown
  • Mildew
  • Storm damage
  • Trade use
  • Unforced entry – intrusion without using force because a door or window was left unlocked
  • Use as a permanent residence
  • Valuables – such as jewellery and electronics
  • Vermin infestations or damage
  • Wear and tear
woman is sitting on a camping chair
caravan in nature

Types of Caravan

Caravans are available in a variety of shapes and sizes. Some of the most popular types being:

  • Touring Caravans
  • Static Caravans
  • Trailer Tents

Although similar in many aspects, if you own a Motorhome or Campervan, they would need a different kind of policy.

Caravan Security

  • Alarm – visible and audible warnings as a deterrant
  • Corner steady leg locks – immobilise caravan to prevent unwarranted towing
  • Hitch lock – prevents your tow bar from being attached to another vehicle
  • Locking wheel nuts
  • Tracker – hidden GPS signal box so caravan can be located anywhere
  • Window locks – prevents theft and intrusion through windows
  • Wheel clamps – prevents wheel movement
caravan in nature

Frequently Asked Questions about Caravan Insurance

    • If I store my caravan on my drive will this be a problem when applying for insurance?
      If you keep your caravan on your driveway, then no, this will not be a problem when applying for a caravan insurance quote. Your premium will vary however depending on where you live.
    • Why do you need to know where the caravan is kept?
      Where the caravan is stored is one of the main factors that will effect your caravan insurance premium. Some areas will inevitably represent higher risks than others, for example if the caravan is kept in the city centre or somewhere rural. One or the other will edit the amount you will be quoted for your insurance.
    • Where will I be able to find my caravan’s CRiS or VIN number?
      This is a unique identification number and it can be found in the bottom right corner of the caravan’s windows in dot-matrix text. Alternatively, it will be found on the A-frame at the front of the caravan. When applying for a caravan insurance quote with QuoteSearcher, you will not need to refer to this number.
    • If I allow my family members to borrow my caravan, will it remain insured?
      This will largely depend on the cover options you choose for your caravan. If you are thinking of letting any family members borrow your caravan, you must first refer to your caravan insurance policy documents. In most cases, it is likely that you will be covered if your immediate family or extended family borrow the caravan. However, this can vary depending on the policy you have purchased.
    • What security issues should I consider for my caravan?
      With caravan insurance there are a number of issues you should take into account. These security issues could result in great discounts and will also give you that crucial peace of mind. You should look into acquiring a hitch lock, a chassis secure wheel lock, an anchoring device and, of course, locks for your doors and windows. This is certainly not an exhaustive list however, and it may be worth further investigating caravan security measures.
    • If my caravan is being towed, will it still be insured?
      Yes, provided you have taken out a caravan insurance policy, your caravan will still be insured.
    • Will the contents of my caravan be insured?
      Yes, any accidental loss or damage to the contents and personal items inside the caravan can be included in the caravan insurance policy for an additional premium. You can select the value of your contents inside the caravan whilst applying for a caravan insurance quote on the QuoteSearcher website.
    • Where are caravans most at risk from theft or damage?
      55% of claims were made as a result of accidental damage. 18% of claims were made as a result of damages caused by a storm. 13% of claims were made as a result of theft. 7% of claims were made as a result of malicious damage. 5% of claims were made as a result of fire or flood. 2% of claims were a result of other reasons.
    • Who is covered when it comes to towing the caravan?
      Most caravan insurers will allow anyone who is aged 18 years or older, and holds the appropriate valid driving licence, and if necessary has taken the Car and Trailer Practical Test, to tow your caravan. If you are unsure however, then you should check with your insurance provider in order to find out.
    • Will caravans outside the UK be covered?
      Most caravan insurance policies are available to UK residents only, and will therefore only be available to England, Scotland, Wales and Northern Ireland. There may be some exceptions however, and so if you would require to be covered outside the UK you will need to speak with your insurer.
    • How long can I go to Europe for with my caravan under a UK insurance policy?
      This will depend on particular caravan insurance policies. However, a general rule of thumb with caravan insurance is that policies will provide cover for European trips of up to 90 days at a time, and up to a maximum of 180 days per policy term.

My insurance is now completely sorted thanks to QuoteSearcher. After visiting their site I received some superb quotes and was insured more or less instantly!

Alison McNaughton - Cornwall

I completed one simple form on QuoteSearcher and received a number of excellent quotes from a number of different insurers. These were all cheaper than any quotes I had received previously and I ended up saving a bundle!

George Taylor - Cardiff

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