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Buying a caravan is a big investment, and certainly not something done on a whim. Although not legally required by UK law, we would still recommend taking out a caravan insurance policy. It protects you and your caravan in case of an accident or an act of malicious damage, giving you pure peace of mind whether you are on a journey or your caravan is parked up somewhere.
Caravans are available in a variety of shapes and sizes. Some of the most popular types being:
It is important you tell your insurer the correct type of caravan you own, otherwise your insurance could be invalid when it is time to make a claim.
When applying for your policy, your insurer will require a lot of specific information about your caravan in order for them to calculate your correct premium price. Without this information it will be impossible for them to give you an accurate quote.
We have compiled a list of the most common things insurers ask for to make sure you have all the necessary correct information:
If you have a Touring Caravan, your insurer will ask for additional information regarding the following:
When it comes to insurance, people often make one of two common mistakes; they either over-insure or under-insure themselves. The former just means that you are paying for policy features which you do not need, the latter means you do not have sufficient cover so when it is time for you to make a claim your policy might not even pay out.
As with any type of vehicle insurance, there are 3 levels of cover available:
Here is a list of the most common features in a caravan insurance policy to help you get exactly the right amount of cover you need:
As with any insurance policy, there are certain things which your insurer will not cover. These vary depending on your provider, but some of the most common exclusions on a caravan insurance policy are:
This is especially applicable to static caravans. Your insurer will ask:
We recommend you keep your caravan parked in a secure compound if possible. There is a full list of locations available at the Caravan Storage Site Owners Association website.
In the UK alone, over 4,000 caravans are stolen every year, which affects the price of insurance premiums. Caravan insurance may not be cheap, but there are steps you can take to help bring down the price of your premium, mostly focused around making your caravan more secure:
Fill out our Caravan Insurance Form and Quotesearcher will find you the best insurance policy for your Caravan today!