Caravan insurance is important to have in order to ensure that your caravan is covered for any costs that might be incurred by accidental damage or because of a fire, extreme weather conditions or theft.

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

Your removable belongings inside the caravan will also be covered up to a limit that would have been predefined in your policy (usually 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.

Similarly, if your caravan is stolen and it did not have a wheel clamp and hitch lock fitted, there will be 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.

Share This