Questions to Ask Your Caravan Insurance Provider

In this helpful guide, we’ll cover the best questions to ask your caravan insurance provider that will help you make an informed decision. Let’s break them down.

What does the caravan insurance policy cover?

You should always begin by asking about what is included in your caravan insurance policy. Most providers usually offer coverage that includes accidental damage, theft, and third-party liability. However, the level of protection can vary, so make sure that you ask your provider for specifics if there is anything in particular that you want to make sure is covered.

What does the caravan insurance policy cover?

Knowing what isn’t covered in your policy is just as important as knowing what is. Typical exclusions can include general wear and tear or electrical/mechanical failures.  

Details of what is and isn’t covered should be provided in your policy documentation, but it is important to check what the policy covers before purchasing caravan insurance to ensure that the cover meets your needs.

For example, if you have a touring caravan and you’re planning on using your caravan abroad then you should check that your policy allows this as some providers might have geographical limits. There could also be minimum security requirements so you should make sure you’re aware of what these are and when they would need to be used.

What are the policy exclusions?

Knowing what isn’t covered in your policy is just as important as knowing what is. Typical exclusions can include general wear and tear or electrical/mechanical failures.  

Details of what is and isn’t covered should be provided in your policy documentation, but it is important to check what the policy covers before purchasing caravan insurance to ensure that the cover meets your needs.

For example, if you have a touring caravan and you’re planning on using your caravan abroad then you should check that your policy allows this as some providers might have geographical limits. There could also be minimum security requirements so you should make sure you’re aware of what these are and when they would need to be used.

Are there any optional extras or add-ons available?

Some insurance policies don’t include the contents of the caravan in the standard coverage. If you store your belongings (such as camping equipment) in your caravan, ask if contents cover is included or if you need to add it to your policy. You should also find out whether there are any contents which would not be covered by your policy, such as valuables.

If you plan to take your caravan abroad, you need to inquire about European travel coverage. Some insurers offer coverage extensions for trips outside the UK, but this usually requires an additional premium. Confirm what’s included and if there are any restrictions on the countries you can visit before you plan your trip.

What type of caravan cover am I getting?

Caravan insurance isn’t like car insurance. It is not fully ‘comprehensive’ or ‘third party, fire and theft (TPFT)’.

Instead, policies usually determine your caravan’s value based on either the ‘new for old’ or ‘market value’ approach. You can contact your provider to find out what options are available to you.

• New for old policies replace your caravan with a brand-new model that has similar specifications, in the event of a total loss.
• Market value policies only cover the current value of the caravan, factoring in depreciation.

What is the claims process like?

You should ask your provider how claims are filed — whether online, via a phone call, or through an app — and what documentation is required. These details should be provided in your policy documents but it’s good to check so you’re prepared if you do need to make a claim.

It's also worth asking about the amount of customer support available during the claims process. Is there 24/7 support available in case of an emergency? Can claims be submitted outside of regular business hours? Knowing this level of support can make a difference when you need assistance.

Are there any discounts available?

A no-claims discount is another way to reduce your premium over time and you can ask if your provider offers this. Clarify how long the discount can build up and how making a claim will impact the discount.

How does my caravan’s usage affect my policy?

Everyone uses their caravan differently, insurance premiums and coverage can vary based on how frequently and for what purpose you use yours. If you only use it for occasional holidays, your premium may differ from someone who uses their caravan every weekend, for example. The same applies if you regularly take your caravan abroad or if it stays in one place. Always discuss your usage with your provider to make sure your policy is suitable for how you use your caravan.

What are the payment terms and cancellation policy?

Some insurers allow you to pay your premium either annually or monthly. Ask about the different payment options, including any additional fees for paying monthly.

You should always ask about the process of cancelling your policy — including any potential fees. Knowing this in advance can save you from any unexpected charges down the line.

Do you need caravan insurance?

When choosing caravan insurance, you need to ask the right questions to make sure that you get the appropriate coverage and understand the terms of your policy. By asking questions upfront, you can make a well-informed decision and secure the right level of protection for your caravan.

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About the author

Adam Summersby is a respected leader with 11 years’ varied experience in niche personal and commercial lines insurance, including caravan, site operators and excess reimbursement, with proficiency in leadership, sales and account management.

Consistent with our policy when giving comment and advice on a non-specific basis, we cannot assume legal responsibility for the accuracy of any particular statement. In the case of specific problems we recommend that professional advice be sought.