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Why 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.
What is covered?
Normally damage caused to your caravan due to fire, bad weather, flood, subsidence, accidental or malicious damage.
Your removable possessions stored in the caravan will also be covered up to a limit defined in your policy (typically £300).
What is not covered?
There is no cover whilst your caravan is being towed by a vehicle. This should be covered under the vehicle insurance.
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.
What does it cost?
It depends on the value of the caravan. During September 2005 Coversure clients paid an average of £97 for caravan insurance.
What to watch out for?
Some insurers include equipment such as generators in the value of the caravan. Some do not, in which case the equipment will not be covered unless it is separately valued.
What options are worth having?
You may be able to include damage to awnings at a small extra charge, usually there is a restriction on the age of the awning that can be covered, typically awnings that are more than seven years old cannot be covered.
Contact us today for more details!
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