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.
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).
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 duty of care to look after your property, so theft from your caravan will only be covered if it is properly locked up whilst you are away from it. So there will not be any cover if you leave it open, or you leave your belongings under an awning or in a toilet tent.
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.
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.
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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