Owning a caravan and insuring it adequately will give you peace of mind, so you can enjoy the pleasures of the open road without worry. If you need to find a competitive caravan insurance quote, fill out our form and let our panel of expert caravan insurance brokers get in touch with quotes.
Without adequate cover for your caravan, you could find yourself out of pocket during a time when you should be relaxing. Whether it has been damaged, stolen, or simply broken down, you need to be sure you can get back on the road as soon as possible, without paying through the nose.
The most common features in a caravan insurance policy are:
Legal expenses – up to £100,000
Lock and keys cover – up to £500
New for old replacement
Recovery and redelivery
EU & International cover
It’s important to also be aware of the exclusions that may apply to your policy. Your broker will detail what is included and excluded, but the usual things not covered within your policy are:
Awnings and gas bottles
Mechanical and electrical breakdown
Mildew and storm damage
Unforced entry due to unlocked door
Use as a permanent residence
Valuables – such as jewellery and electronics
Vermin infestations or damage
Standard wear and tear
Types of Caravan
When it comes to deciding how to insure your caravan, you will need to specify the type you have. The three most popular types of caravan are:
Although they have a lot of similarities, they may require different insurance features.
Also similar to caravans are Motorhomes or Campervans, but they will also need a different kind of policy. We have a panel of specialist brokers that can help you with insuring these types of RV as well.
Ways to Secure Your Caravan
There are a number of ways you can reduce the risks associated with caravan ownership, including protection against theft and damage. Utilise the following for better caravan security:
Alarm: You can have visible and audible alarms that act as a deterrent
Leg Locks: These effectively immobilise your caravan to prevent towing
Hitch Lock: This prevents your caravan from being attached to another vehicle
Tracker: A hidden GPS signal box will help you locate the caravan in the event of a theft
Window Locks: This protects your belongings by preventing entrance through windows
Wheel Clamps: Successfully prevents movement of the wheels
Frequently Asked Questions about Caravan Insurance
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.
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.
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.
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.
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.
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.
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.
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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!
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