Getting your caravan is insured is a vital step to take in order to protect you from any costs that may be incurred by accidental damage to your caravan, or by damage from theft or bad weather.
The majority of caravan insurance policies will cover any damage that has been genuinely caused out of the owners control by fire, flood, bad weather, accidental or malicious damage and theft.
The possessions within your caravan will usually be covered up to a limit which will be predefined in your policy, and will usually be around 300.
The possession cover will not cover small valuables such as jewellery, money and credit cards; these should be covered under all the risks section of your household contents insurance policy. The caravan contents insurance is intended for possessions that you cannot be expected to take with you such as furniture, curtains cutlery etc.
Insurance is there for circumstances out of your control, however you do have a responsibility to take care of your property to the best of your ability, for example by locking the caravan up at all times you are away from it. There will be no cover if you leave it open or if you leave your belongings out in the open.
By the same token, if you do not fit your caravan with a wheel clamp and hitch lock and it gets stolen, you will not be covered.
There may also be some restrictions on the caravan site. Some insurers for example may insist that your caravan must be parked in a registered caravan holiday park, or that your chosen site is concealed by hedges or fencing around the edges, and so there may be different security requirements with different policies, it is worth thoroughly reading your policy through to ensure that you will be covered at your preferred destination.
You may be able to include damage to awnings at a small extra charge, usually there is a restriction on the age of the awning that can be covered, typically awnings that are more than seven years old cannot be covered.
The majority of caravan insurance policies will cover any damage that has been genuinely caused out of the owners control by fire, flood, bad weather, accidental or malicious damage and theft.
The possessions within your caravan will usually be covered up to a limit which will be predefined in your policy, and will usually be around 300.
The possession cover will not cover small valuables such as jewellery, money and credit cards; these should be covered under all the risks section of your household contents insurance policy. The caravan contents insurance is intended for possessions that you cannot be expected to take with you such as furniture, curtains cutlery etc.
Insurance is there for circumstances out of your control, however you do have a responsibility to take care of your property to the best of your ability, for example by locking the caravan up at all times you are away from it. There will be no cover if you leave it open or if you leave your belongings out in the open.
By the same token, if you do not fit your caravan with a wheel clamp and hitch lock and it gets stolen, you will not be covered.
There may also be some restrictions on the caravan site. Some insurers for example may insist that your caravan must be parked in a registered caravan holiday park, or that your chosen site is concealed by hedges or fencing around the edges, and so there may be different security requirements with different policies, it is worth thoroughly reading your policy through to ensure that you will be covered at your preferred destination.
You may be able to include damage to awnings at a small extra charge, usually there is a restriction on the age of the awning that can be covered, typically awnings that are more than seven years old cannot be covered.
About the Author:
This is only a breif summary of caravan insurance and is not intended to be representative of the covers or restrictions offered by any particular insurance or that all insurance provide the protection described. You can get a recommendation for insurance advice to suit your own circumstances or any of our other insurance products such as taxi insurance
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