The Next Travel

Caravan Insurance

It is important to buy caravan insurance because you want to protect yourself against the costs you might incur if your caravan is damaged accidentally or because of a fire, a theft, or bad weather.

Most caravan insurance policies will cover damage done to your caravan by bad weather, theft, accidental or malicious damage, fire and flooding.

Your removable possessions stored in the caravan will also be covered up to a limit defined in your policy (typically 300).

The possessions cover is intended to cover items that would normally be left in the caravan, such as furniture, cutlery, curtains and so on. Normally money and credit cards, jewellery and other valuables are excluded and should be covered on the all risks section of your household contents policy.

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.

The same applies to your actual caravan, i.e. if it gets stolen and you did not fit it with a wheel clamp and a hitch lock, you will have no cover.

There may also be some restrictions on the caravan site. Some insurers for example may insist that your caravan must be parked in a registered caravan holiday park, or that your chosen site is concealed by hedges or fencing around the edges, and so there may be different security requirements with different policies, it is worth thoroughly reading your policy through to ensure that you will be covered at your preferred destination.

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.