Home > Insurance > Caravan Insurance

Introduction to Caravan Insurance

The specific caravan insurance depends on type of caravan.

• Static caravan insurance. Insure your static caravan (kept fixed location)

• Touring caravan insurance. Insure touring caravan (includes towing liability)

Obtain cheap caravan insurance quotes online Compare caravan insurance company rates Request proposal forms/ key facts/ policy documents Any problems? Contact Portwood's 0191 4772231

Key policy differences

• Static Caravan Insurance.

  • Caravan plumbed into utilities (electricity, water, gas)

  • Based on one caravan site. Premium rated on site security. Discounts for security, fences, alarms.

  • Policy has lower excesses (or even franchise). (Franchise definition: claims under amount excluded. Claims over specific amount reimbursed in full.)

  • Cheaper premiums due to no towing liability

  • More information on static caravan insurance available.

• Touring Caravan insurance.

  • Caravan transported via road network

  • Storage Location paramount importance. 

    • Caravans kept in farmer's fields are poor risks! 

    • Best solution: CaSSOA site (gold award best, silver high-level security, bronze good security)

    • Kept at home default. NB Possible Hitchlock Requirements (Also requirement applies when touring. Possibly even at motorway service stations.)

  • Premiums more expensive due to towing liability and increased theft risk

  • Excesses higher - probably cannot be deleted

  • More info on touring caravan insurance available

Insurance for Hobby caravans, Roma caravans, Lord Munsterland caravans and  Tabbert Caravans

Many insurers do not offer Hobby caravan insurance due to twin-axle nature, relatively wide structure and requirement towed by commercial vehicle few caravan insurance companies quote for these models. We do, subject to normal insurance underwriting criteria. Moreover our rates are similar to standard premiums so you can be assured that cover for your Hobby caravan won't be expensive.

Watch out for

Many caravan insurance companies will NOT cover:

• Caravans used as permanent residences

• Caravans let out on a business footing

• Caravans used as temporary homes for self build projects. (Self build insurance available)

Similarities in caravan insurance policies

Additional benefits, as well as accidental loss or damage, frequently found in cheap caravan insurance key facts

• Personal effects. Recommended increase home insurance all-risks cover. Full replacement value instead of indemnity, covered UK and worldwide.

• Additional accommodation costs - should the caravan become uninhabitable

• Legal Expenses Insurance - limited to disputes regarding habitation and use of caravan.

• Public Liability cover: recommend £2,000,000 as minimum sum required on many caravan parks.

• Sums insured: either new-for-old or indemnity basis. Should new-for-old cover be available, base quotation on caravan replacement cost. Indemnity includes deduction for 'wear and  tear'. Sum insured should be caravan market value. 

Caravan Insurance Discounts

• Built into caravan insurance quotation system

• Cheaper caravan insurance premiums for:

  • Policyholders over 50

  • Caravan Club Membership

  • Proven Claim-Free experience

  • Secure caravan storage

  • Additional security devices

  • Increased voluntary excesses

Generally improved risk management, appreciation possible dangers, proven ownership responsibility, reduce premiums quoted.

Our Caravan Insurance Companies

• Ageas caravan Insurance

• COAST caravan insurance

• CX LET Caravan Insurance

• EandL Caravan Insurance

• KDrewe Caravan Insurance

• Lloyds Caravan Insurance

• Mobile Homes Insurance Services

• Towergate Caravan Insurance

Duty of Disclosure

You are reminded of your duty to disclose all material facts when applying for caravan insurance, at renewal or when they change. Examples of material facts are: use, modifications to the caravan, storage details of the caravan, whether the caravan is hired out or not etc. If you have difficulties deciding whether a fact is material it should be disclosed as failure to disclose material facts can result in your policy not protecting you in the event of a claim.