There are a number of situations where it would be highly advisable or even essential, to notify your caravan insurance provider that “something has changed”.
Some classic examples will be discussed below.
You have made substantial changes to the caravan
Many owners like to customise or enhance their vehicles. That’s sometimes a good idea but it’s imperative to discuss such changes with your tourer insurance provider.
In this category, we’re discussing changes that are material and which might affect:
- the vehicle’s value – in the sense that you have perhaps installed new equipment which has increased the caravan’s overall valuation and you wish to make sure that the new value is covered;
- structural changes. This is particularly important in situations where the changes might be such that they move the vehicle away from the manufacturer’s original specification or increase the insurance provider’s perception of the risks involved in covering it.
In this context, only significant changes are likely to need to be taken into account. Changing the curtains in your caravan wouldn’t count!
On balance, it’s always best to consult your insurance provider if you are in any doubt as to whether changes you’re making to your caravan are likely to be seen as “significant” in insurance terms.
You are changing the way you use your caravan
This might include situations where, as a simple example, your policy does not provide automatic continental holiday driving cover and yet you are planning to go abroad in your caravan. Clearly, in such situations, you would need additional cover.
It might also apply in circumstances where you were close to or had already exceeded the maximum number of permissible days outside of the UK as specified in your policy.
It is also imperative that you discuss with your insurance provider in advance, any situation where you are planning to let someone use your caravan for the purposes of generating rental income.
Where you store your caravan
When you took out your initial policy, you may have declared to your insurance provider just where you store the caravan when it is not in use. Should that change, for whatever reason, you must notify your insurer.
An example might be where you had originally stored your caravan in your garage but have now decided to move it to your driveway as its normal place of parking, due to the fact you wish to use your garage for other purposes.
In situations where you need to make a claim
This may appear to be stating the obvious but it’s worth looking at your policy because some may require you to notify the insurance provider within a maximum period of time after an event took place which is leading to you making a claim. If you fail to do so and lodge your claim “late”, it may put its successful outcome at risk.
Where you are changing anything relating to your standard data
This is typically routine and includes things such as a change of address etc.
Owning or towing driver circumstances
This may or may not be an issue but it will be worth checking with your insurer if, for example, you or another insured driver were diagnosed with a medical condition which might affect your driving, parking or use of your caravan.
These types of policy conditions are not onerous and are largely a matter of common sense.
It is important to take them seriously because failing to disclose material changes and then subsequently making a claim downstream might pull that claim at risk of rejection.