It is important to buy caravan insurance because you want to protect yourself against the costs you might incur if your caravan is damaged accidentally or because of a fire, a 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.
Your removable possessions stored in the caravan will also be covered up to a limit defined in your policy (typically 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.
You have a responsibility to ensure that your property is secure to the best of your ability, there will be no cover if you leave the caravan unlocked or leave valuables lying out in the open under an awning for example.
The same applies to your actual caravan, i.e. if it gets stolen and you did not fit it with a wheel clamp and a hitch lock, you will have no cover.
Check for restrictions due to the security on the caravan site. There may be different requirements for security, for instance an insurer might insist that a static caravan may only be stored on a registered holiday park (i.e. HPA or British Holiday Home Parks Association graded sites). In addition the insurer may insist that the caravan site is protected by hedging or fencing at its periphery.
If you wish to have damage to awnings included in your caravan insurance policy, then that is usually possible at a small extra cost, depending on how old the awnings are. Usually, if the awnings are older than 7 years then they 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.
Your removable possessions stored in the caravan will also be covered up to a limit defined in your policy (typically 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.
You have a responsibility to ensure that your property is secure to the best of your ability, there will be no cover if you leave the caravan unlocked or leave valuables lying out in the open under an awning for example.
The same applies to your actual caravan, i.e. if it gets stolen and you did not fit it with a wheel clamp and a hitch lock, you will have no cover.
Check for restrictions due to the security on the caravan site. There may be different requirements for security, for instance an insurer might insist that a static caravan may only be stored on a registered holiday park (i.e. HPA or British Holiday Home Parks Association graded sites). In addition the insurer may insist that the caravan site is protected by hedging or fencing at its periphery.
If you wish to have damage to awnings included in your caravan insurance policy, then that is usually possible at a small extra cost, depending on how old the awnings are. Usually, if the awnings are older than 7 years then they cannot be covered.
About the Author:
This is only a breif summary of caravan insurance and does not represent the policies offered by any insurance company in particular 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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