Caravan Insurance
Getting your caravan is insured is a vital step to take in order to protect you from any costs that may be incurred by accidental damage to your caravan, or by damage from theft or bad weather.
The majority of caravan insurance policies will cover any damage that has been genuinely caused out of the owners control by fire, flood, bad weather, accidental or malicious damage and theft.
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.
You have a responsibility to ensure that your property is secure to the best of your ability, there will be no cover if you leave the caravan unlocked or leave valuables lying out in the open under an awning for example.
By the same token, if you do not fit your caravan with a wheel clamp and hitch lock and it gets stolen, you will not be covered.
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.
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.
