CARAVAN INSURANCE GUIDE
Getting your insurance sorted is unlikely to be the highlight of your holiday but it’s important nevertheless. If anything should happen to your caravan or its contents you will need adequate cover to ensure you’re not left out of pocket. Comparison websites make it easier to get quotes and compare cover. However there are still a few things you will need to know before you can get a quote. Find out more from our caravan insurance guide.
What type of caravan are you insuring?
First of all you will need to know what type of caravan you are insuring. The most popular caravan body type in the UK is the conventional single axle, but there are other styles available. Check out our guide to caravan types to learn more. You’ll also need to have the manufacturer and model name or number ready.
What type of insurance do you need?
When shopping for caravan insurance you’ll have some choices to make. First of all, you will need to choose from the two main levels of cover:
- New for old – This will ensure that if your caravan is stolen or damaged beyond repair it will be replaced with a new caravan of a similar specification. This is provided the sum insured reflects the full replacement value of an equivalent caravan.
- Market value – This covers you against the market value of the caravan, provided the sum insured matches the replacement value of an equivalent second hand caravan.
You can also specify the amount of cover you would like for your “personal effects”. This will cover items which are stored in your caravan but do not constitute part of the vehicle itself. Finally you can select your voluntary excess. Choosing a lower excess is an easy way to reduce your quote, but leaves you viable to pay more in the event of a claim. Make sure you set your excess at an amount which you would be happy to pay in the event of a claim.
It can be tempting to manipulate your details in order to achieve a lower quote. You can easily compare caravan insurance quotes to see how different details can affect prices. However, remember that if you provide incorrect information or omit key details your insurance may be invalid. Similarly, if you set low values or a high excess you may be left significantly out of pocket in the event of a claim.