Details of Insurance Policies for Caravans: Motor and How to Be Insured for Low Cost?

Details of Insurance Policies for Caravans

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.

Details of Insurance Policies for caravans

For most caravan insurance policies, you would have cover for normal damage caused to your caravan due to fire, bad weather, flood, 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).

This possession cover is meant to cover belongings that would usually, in case of emergency, be left in the caravan such as furniture, curtains etc. However, money, jewellery and other valuables are not usually covered under standard caravan insurance and should be covered under all risk sections of your household contents insurance.

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 be different requirements for the security of your selected caravan site in order for your insurance to be valid. For example some insurers may insist that you park your caravan in a registered holiday park, whereas some may insist that your chosen destination in concealed by fencing or hedging around the boundaries.

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.

This is just an introduction to 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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Details of Insurance Policies for Caravans

Category How to Be Insured for Low Cost?

How to Be Insured for Low Cost?

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