We are often asked for caravan insurance tips, whether it is money saving caravan insurance tips or how to get the most appropriate caravan insurance cover. We’re not saying that the points below are necessarily the most important (that may depend upon your individual circumstances), but they may be things to keep in mind:
Annual renewals
Don’t operate in autopilot mode! It is all too easy to simply renew your caravan insurance policy because it seems to be the least tedious thing to do. Yet it is advisable to always think about things such as whether your cover is adequate or whether you still have a policy that is suitable for you, before you renew your policy.
Our caravan insurance comparison service can help you identify what options are available, so you can cherry pick the insurance that you feel gives you the most appropriate cover – and at a price that suits your budget. Further reading: A quick guide to getting caravan insurance.
Modifications
If you’ve made any modifications to your caravan, such as upgrading the interior, adding solar panels, or enhancing the security system, it’s essential to declare these changes to your insurer. Undeclared modifications might invalidate your policy or result in a reduced payment in the event of a claim. Ensure your insurer is aware of all changes. Further reading: When to notify your insurance provider.
Keep an eye on your site
Some policies for static caravans or park homes may contain stipulations relating to facilities that your site must contain. It may well have had them at the time you took out your policy, but things sometimes change over time and if so, it might be worth discussing it with your insurance provider. That way you can feel confident you have your caravan properly protected. Please call us on 01702 606301 if you have any questions.
Understand the policy exclusions
Carefully review the exclusions in your caravan insurance policy. Common exclusions may include damage from general wear and tear, improper maintenance, or using the caravan in ways not intended (e.g., permanent living). Ensure you know what’s not covered to avoid surprises during a claim.
Your awnings
If you have an awning for your ‘van, note that most caravan insurance policies do not automatically cover awnings. Some insurers include awning cover as standard, while others require it to be added as an optional extra. Check your policy details to ensure your awning is covered and understand the specific terms and conditions related to it. Further reading: Awning insurance: need to know.
We hope these quick tips have given you some useful information. Please always contact us if you have any questions relating to your caravan insurance, getting a quote etc. We will be delighted to help!