It’s not as simple as those who tow a mobile home - caravan insurance doesn't just cover tourers. You can also get policies for static caravans and park homes.
Whether you’re on the move or not, caravan policies should cover you for things like fire, theft, accidental damage and weather damage.
Besides the basics, you can opt for policy add-ons like personal possessions cover and camping equipment cover to upgrade your policy.
If your caravan’s a total loss – damaged beyond repair or stolen – new for old cover will make sure you get a brand new unit that’s equivalent to your old one.
New for old cover can also apply to your personal possessions and caravan equipment, so they’d be replaced with brand new as well.
Market value cover will only compensate you for the current value of your caravan at the time of loss. So if it’s 20 years old, the insurer will pay out the going rate for a similar caravan of that model, age and condition.
That might make it a bit harder to find and afford a suitable replacement, but it can be a much more cost-effective level of cover, especially for older caravans.
We need a few bits of info to help you, so we’ll ask about:
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Make, model, reg number, number of bedrooms, usage…
Is your caravan alarmed? Where’s it stored? How is it secured?
Info on previous policies and the cover you want to have now
You could make your caravan insurance cheaper by:
Wheel clamps, window locks and alarms are handy to have
For tourers at least – not much choice if you have a static
Some insurers will offer discounts for members of the Caravan and Motorhome Club or Camping and Caravanning Club
Don’t skimp on cover, but don’t pay for optional extras you don’t really need or have cover for under other policies, such as home insurance
Compare caravan insurance policies to find the best one for you
It’ll vary depending on the value of your caravan, whether it’s static or touring, where you live and where you keep it, as well as your own personal circumstances.
Things like safe storage and good security can help to bring down the cost for you.
Your caravan insurance policy should include cover for damage, fire and theft. You can also get contents insurance to protect the things inside your caravan.
Some of your caravan’s contents might be covered under your home insurance, so check that first to avoid paying for too much cover.
As long as your car insurance policy allows you to tow, you’ll most likely be covered for third party damage under your car insurance while the caravan’s hitched to the car.
But it probably won’t cover damage to your caravan in an accident – that’s where dedicated caravan insurance comes in.
Consider suitable breakdown cover for your camping trips too - recovery for a caravan is expensive.