The followings Frequently Asked Questions may help you understand a little more about caravan insurance.
What caravan insurance is available?
It’s typically possible to insure many different types of caravan. The major category descriptions found are typically:
- static caravans;
- park homes;
- trailer tents (including collapsible caravans).
If you were unsure as to which category your caravan falls into, we would be only too pleased to offer our help.
How can I keep down the cost of my insurance?
That may depend upon the policy you have and the type of caravan.
For example, if you have a motorhome or touring caravan, you may be able to keep your insurance premiums down by avoiding trying to insure young or inexperienced drivers on your policy.
Another good general point to keep in mind for statics and park homes is that if you choose a site with a known reputation for flooding, you may find that your premium increases and/or your cover will be subject to special conditions.
It is important to read the various policy documentation documents carefully to identify where scope for savings may arise.
Is, in the case of touring caravan insurance, UK and continental cover included?
It may or may not be depending upon the policy. You may find any one of the following situations (though some may be comparatively rare these days):
- UK mainland only cover (if so, remember this may theoretically exclude places such as the Isle of Wight, the Scottish Islands, Northern Ireland and Eire;
- UK cover excluding Northern Ireland;
- UK and limited EU continental cover (limited by duration or distances);
- unlimited Europe-wide cover.
Once again, it is necessary to read the policy carefully to be sure. It’s also worth checking carefully any restriction notes – and they may differ from policy to policy.
For example, with some touring caravan insurance, UK or continental cover may have very strict conditions as to where you may or may not park your caravan overnight.
What does third party liability cover mean?
Some risks arising from your caravan may be obvious – for example, those of theft or accident etc.
Some though are less obvious. One of these may relate to someone that it injured (or has their property damaged) by your caravan. If so, they may sue you for damages and if they win, a court may award very large sums against you – particularly in the case of injury.
Caravan insurance typically provides third-party liability cover to help meet such costs.
The levels provided by a typical caravans insurance policy may vary, so yet again, it is important to look carefully at the maximum amount of cover provided.