A caravan, either new or second hand, is a major investment and one that you will want to fully protect.
On our forums you will find a great deal of useful advice about caravan insurance and also stories of caravan insurance pitfalls and problems.
We’ve taken some of the most useful information submitted by our members to create this guide and we hope it will help you when insuring your caravan.
Insurers will often ask for the CRiS registration details of your caravan. These are used for identification purposes in a similar way to license plates when insuring a car.
New for old
A key part of your caravan insurance policy to check is the ‘new for old’ clause. New for old means that if your caravan is stolen (or damaged beyond repair) then you would receive compensation to the value of your caravan as new.
However, many insurers will only provide the ‘market value’ of your caravan. So if your caravan is older than the current generation of models you won’t receive the full price you paid for it originally.
Look in the policy for the key words ‘guaranteed value’ as this ensures you will receive the full amount.
Clubs and discounts
Caravan clubs and societies often arrange discounts with insurers that their members can benefit from. If you are a member of a caravan club it is worthwhile contacting them to see if they have agreed any discount with a caravan insurer.
If you’re not yet a club member, you may find that paying to join a club and benefiting from the caravan insurance discount this brings, reduces your insurance costs by more than the club joining fee. Clubs may also give you discounts when booking with associated sites or storage facilities.
Some caravan insurance policies will cost less if you already have a number of security features in place.
Most insurers will require you to have alarms and trackers fitted to your caravan. However, the more you can do to show that you have taken steps to secure your caravan, the more discounts you will receive on your caravan insurance. Hitch locks, wheel clamps, axle locks, hub locks and secure storage could all help, so do ask.
Caravan contents insurance
It is a good idea to check your household contents insurance as it should cover the personal effects (such as clothes, small items of jewellery and laptops, etc) you keep in your caravan. Remember to check the detail including what is and what isn’t included and covered.
Items purchased specifically for the caravan, such as gas bottles, crockery cutlery, cooking utensils, sleeping bags and so on will usually not be covered by your household insurance. If these items are not covered by your existing caravan insurance you may wish to take out an additional policy to cover these items.
Check your existing caravan insurance policy carefully as awnings may not be covered. If awnings are not mentioned, you may want to invest in a separate policy.
Check also that there are no restrictions on the length or width of your caravan. Some companies will only insure caravans up to a maximum length or width and if the details on the policy are not clear you may find it hard to claim the funds you believe you are entitled to.
If you’re planning on going abroad for your holiday, remember to check how long your insurance will cover you. Most insurers place a limit on the number of trips and days spent abroad, so be careful, especially if you’re planning some long-term holidays abroad.
In summary – do take time to make sure you have the right caravan insurance policy in place. This gives you peace of mind and ensures that your caravanning holiday will not be spoiled by damage, theft or accident.