Don’t get taken for a ride with your caravan insurance
They say that home is where the heart is. For caravan owners, that can be wherever they pull the handbrake.
A huge number of Brits like nothing more than to trade real estate for wheel estate - according to the National Caravan Council, almost 60,000 caravans were sold in 2017 alone.
Need more information?
So, without further ado, hitch your wagon to us and let’s get rolling as we get carried away with caravan insurance.
Do I need caravan insurance?
First things first, the cold, hard facts – caravan insurance isn’t compulsory. But that doesn’t mean it’s wise to forego it. In fact, it’s probably the opposite.
Being a hybrid between a vehicle and a home, caravans benefit from cover like any other vehicle or home would. So caravan insurance could be a real lifesaver, if worst comes to worst.
If you’re towing a caravan, it’s important not to simply assume that your car insurance will have you covered for the task at hand. A typical car insurance policy may extend to third party cover, and only when the caravan is attached.
What type of caravan insurance is right for me?
It’s important to know what you’re looking for before you jump in to buying a caravan insurance policy.
Did you know...?
- An estimated one million leisure caravans are in use in the UK
Make sure you buy the right policy for your vehicle so you're covered for all the right things.
What's included in a caravan insurance package?
A decent caravan insurance policy will see you covered for fire, theft, vandalism and accidental damage, including any issues that arise from bad weather.
On top of that, there are add-ons you can opt for, such as personal possession and equipment protection.
However, it’s important to note that not all policies offer the same features; e.g. some insurers include accidental damage cover as an optional extra.
It’s also important to know whether your policy is based on new-for-old cover or market-value cover.
In the event of your caravan being stolen or damaged beyond repair, the former will pay out for the cost of your caravan when it was new, while the latter will pay out its current, depreciated value at the time of the claim.
Taking your caravan outside of the UK?
- If you’re taking your caravan on a European tour, why not give your insurance a continental makeover?
- Comprehensive insurance policies often include a basic level of cover as standard.
- If you have an existing policy, check what’s included.
- Upgrading your cover can help keep your caravan protected to the same degree as it would be in the UK.
Where can I find the best caravan insurance?
The best caravan insurance for you will be the one that covers everything you need it to.
It’s wise to research caravan insurance online, so be sure to do your homework before you sign on the dotted line.
Scouring the net for caravan insurance reviews can help you to get a general picture of what Joe Public thinks of a particular insurance provider.
Independent caravan insurance reviews by real people can be found on a variety of sites, such as Feefo, which can help give a good indication of which caravan insurance companies to consider and which ones to avoid.
How do I find the cheapest caravan insurance?
Something as simple as increasing the security of your caravan could help lower the cost of your insurance bills.
Investing in a wheel clamp and an alarm could go a long way in driving the price of your premium down.
Another good way to limit caravan insurance cost is to not double up and pay for cover you already have.
Finally, if you own a caravan, it’s also well worth considering membership to The Caravan Club.
Clubs and owners’ groups are a great way of sourcing discounts on insurance throughout the motoring world and could be a great avenue to a lower price tag – Caravan Club insurance is no different. Plus joining will give you access to over 2,700 caravan locations across the UK.
Compare caravan insurance with GoCompare
One of the easiest ways to potentially find cheap caravan insurance is to indulge in insurance comparison with us. We’ll scour some of the best caravan insurance sites across the net to find you a great deal.