Touring Caravan Insurance - FAQs

Q1.       How much should I insure my caravan for?
  If your caravan is less than 5 years old it can be insured on a new for old basis – once insured the new for old protection continues for as long as you require it.

The caravan MUST be insured at all times for the cost of a brand new equivalent.

If your caravan, irrespective of its age, has been purchased from a bona-fide caravan dealer it can be insured on an ‘agreed value’ basis for up to 12 months from date of purchase. It should therefore be insured for the purchase price.

Alternatively it can be insured for its current market value, which normally will reduce year on year.
Q2.       Can I take my caravan abroad?
  Yes, our ‘Select’ new for old option gives unlimited worldwide cover, our ‘Economy’ agreed value or market value options give unlimited European cover. Uniquely both include RAC recovery of the caravan on the continent of Europe and emergency assistance.
Q3.       Can the caravan be used by friends/relations?
  Yes, with your permission, and as long as no charge is made.
Q4.       Does the policy cover accidental damage at all times, all year round?
  Yes, 24 hours a day, 365 days of the year whilst in storage, on site and when being towed.
Q5.       Do you recommend any security devices?
  Caravan theft is a very real threat. A range of good quality security devices is readily available. We particularly recommend ' Sold Secure ' approved products - www.soldsecure.com. We insist on a wheelclamp and suggest a box-type hitch lock. For higher value caravans consider a security post, the Thiefbeater security deterrent, a pro-active tracker e.g. Phantom, the Mule anchoring device or the AL-KO Chassis Secure Compact Wheel Lock. We offer attractive discounts for good security features and also for secure storage, especially CaSSOA approved storage facilities.
Q6.       Is there a policy excess?
  The excess (the amount you pay in the event of a claim) is £100.00. It can be deleted altogether (at a cost of £30.00) or increased to £250.00 (a 10% discount will apply).
Q7.       Is there a no claim discount?
  Yes, if you have 1, 2 or 3 or more years of claim free caravanning you can claim a discount of 5%, 10% or 15%. In the event of a claim this discount will be lost at subsequent renewal, unless it was not your fault and we recover the claim cost from the third party insurer.
Q8.       Can I insure my trailer tent, folding caravan or ‘pop up’?
  Yes, you certainly can and a 20% discount will apply. We are also able to offer an alternative policy specifically designed for trailer tents, folding caravans and pop ups, please contact us for details on 0844 892 1419.
Q9.       Can I insure my contents?
  You can insure all your caravan related equipment and belongings such as awnings, generators, aqua roles, crockery, cutlery, TV etc. However, high value items (such as jewellery, cameras etc), cycles, sports equipment, clothing, spectacles and cash cannot be insured and should be covered by your home contents policy.
Q10.       What happens if I have a holiday booked but the caravan is badly damaged before departure?
  The policy includes generous loss of use benefits in respect of pre-booked holidays. The benefit of up to 3% of the sum insured (5% on Select) is payable per week for up to 3 weeks and will help cover the cost of hiring a caravan or staying in alternative accommodation. Evidence of the booking will be required.
Q11.       What are the main exclusions I should be aware of?
  As with all insurance policies there are certain and reasonable exclusions. We exclude wear and tear, damage to tyres by puncture, cuts or bursts, ingress of water through seams or seals, depreciation, weathering, mechanical breakdown, faulty workmanship or manufacture, mildew, moth or vermin and damage by domestic pets. The policy is subject to a wheelclamp condition, the effect of which is to exclude theft unless a wheelclamp was fitted at the time of the theft.
Q12.       What should I do in the event of a claim?
  Contact us as soon as possible. We will send a claim form and request estimate(s) for repair/replacement. If the damage is extensive we will instruct loss adjusters. We deal with all claims in-house – we pride ourselves on our prompt, fair and sympathetic claims service.
Q13.       What should I do in the event of a complaint?
  We are authorised and regulated by the Financial Services Authority and treat all complaints very seriously. If we cannot resolve your complaint you have recourse to the insurers or the Financial Ombudsman Service
Q14.       How can I pay?
  You can pay in full by cheque, in full by debit/credit card or by 12 monthly instalments by Direct Debit. If you pay by direct debit, no credit charge applies but we do charge a small administration fee of £1.50 per month.