Frequently Asked Questions

GENERAL

What is new for old cover?

New for old cover ensures that if your caravan is a total loss (written off) you will receive as a replacement a brand-new equivalent caravan. To ensure that this cover is correct your schedule must reflect the cost of a brand-new equivalent caravan.

What is market value cover?

Market value cover ensures that if your caravan is a total loss (written off) you will receive a settlement based on the current market value of your caravan at the time of the loss

Can I increase my Public Liability cover?

Our standard Public Liability is covered up to £1m with options to increase to £2m or £5m if a higher amount is required.

Can anyone else use my caravan?

It depends on your insurer; please ask us for clarification or check your schedule and policy wording to ensure you have the correct cover as different insurers have different limitations and definitions.

Are my contents covered?

None of our policies have contents cover included as standard. If you require contents cover, you will need to specify the amount of cover required upon purchasing the policy. This can then be found on your schedule.

Can I add any other cover to my caravan insurance?

Yes, we offer both legal protection and breakdown cover which are both available to add on up to 30 days from the start date of the policy.

TOURER

Am I covered on the road?

Yes, our policies include cover for the caravan whilst towing on the road; third party liability cover is excluded (as with all caravan insurance policies) as third-party liability is included under the motor insurance policy covering the towing vehicle.

Do I need to register my caravan with CRIS

No, you do not have to register your caravan with CRIS however the identity number that is given can be useful the event of a theft claim.

What security do I need?

Our mandatory security requirement is a hitch lock together with a wheel clamp or axle lock. The policy will be void without these in place.

Can I use my caravan in Europe?

You can select this cover when taking out the policy. The number of days you are covered abroad can be found on your schedule; the countries covered are listed in your policy wording.

Does my caravan need a service?

This depends on the insurer.  Please ask us for clarification or check your policy wording to establish if, and how frequently, servicing is required.

STATIC

Is my decking covered?

Yes, provided you have included the value of your decking within your Caravan’s value.

Is my caravan covered for flood

Yes, although we do not cover for flood in all areas; in some areas, our policy cover may exclude flood cover.  Please ask us for clarification or check your policy schedule for any flood cover endorsements.

Can I live in my caravan.

No, we do not offer policies if your caravan is your permanent residence.

Can I hire out my caravan.

It depends on your insurer.   You are required to select this cover within your quote.  Please check your schedule and policy wording to ensure you have the correct cover.

What age of caravan can you insure.

We can offer cover for caravans up to 40 years old on a Market Value basis.  The age limit on our New for Old policies varies between our underwriters.

Do I need to drain my caravan down.

Yes, the dates vary depending on your insurer.  Please ask us for clarification or check your policy wording.