Looking for Caravan Insurance?
Caravan insurance is available for all types of caravan, from traditional British tourers, imported American RV’s and Airstreams, to static caravans, mirco, retro and vintage caravans, teardrop trailers and everything in between.
This guide looks at different types of caravan insurance, what is and what isn’t insurable and the best ways to get a good deal on your caravan insurance.
Different types of caravan insurance
The world of caravaning is truly diverse and perhaps that holds some of the allure; whether you enjoy the adventure of taking to the open road in a touring caravan, or love getting away from it all in a static caravan, there is a caravan for everyone and caravan insurance to protect it.
When it comes to insuring static caravans or touring caravans, there is not a great deal of difference, with some obvious exceptions:
Caravan insurance – what’s insured?
Caravan insurance traditionally covers:
Caravan insurers will not pay out for costs associated with:
- General wear and tear
- Infestation e.g mice, insects
- Mould and mildew
Ways to save money on caravan insurance
Caravan insurance is a specialist provision, use insurers familiar with the market to get the best deal
Using an insurer recommend by either your caravan site or caravan club can mean worthwhile discounts
Not all insurers offer no-claims discounts on caravan insurance policies, but as a general rule of thumb the less you claim, the more you save
Caravans are notoriously susceptible to theft, which can make it hard to find a reasonable level of contents insurance for your caravan. Some insurers insist on additional security before they will offer cover, others will reduce costs if a specific type of security is fitted.
What happens if your caravan is uninhabitable?
The very nature of caravan insurance is planning for the worst. Depending on the type of caravan you are looking to insure, it’s worth discussing the following with your insurer when you take out your policy:
Talk to your insurer about re-siting costs. If a static caravan is damaged beyond repair, the cost to remove the debris, clear the ground and plumb in water, gas and electrical supply to the new caravan can be hefty. It also differs from site to site. Find out from your site operator what these costs would be so that you and make sure your policy has sufficient cover.
Talk to your insurer about ‘cover for loss’ insurance. This would pay for alternative accommodation should your caravan become uninhabitable whilst you are away. With touring caravans it’s also important to think about breakdown and recovery insurance.
Caravan Insurance – Useful FAQs
This depends when you passed your driving test and the size of your folding camper. If you passed your test before 1997 you should be fine.
UK national speed limits applicable when towing mobile caravans are as follows:
60mph for motorways and dual carriageways
50mph on single carriageway roads
30mph in built up areas
*Touring caravans are prohibited from the outside lane of a motorway.
Most specialist caravan insurers will insure all types of touring caravan, including American imported Airstreams and 5th Wheel RV’s and imported German Tab Teardrop Trailers .
If you are renting out your static caravan to strangers or lending your touring caravan to friends and family, discuss this with you insurer first to avoid any unpleasant surprises.
Note: Many static caravan sites insist on high levels of public liability cover if you are renting it out.