Caravan Insurance
Protect your caravan with comprehensive caravan insurance options tailored to meet your needs. At Vanari Caravans, we can assist in connecting you with trusted insurance providers who specialise in covering caravans, ensuring you have the right protection for every adventure. From accidental damage to theft and weather-related incidents, caravan insurance is a must for safeguarding your investment and ensuring peace of mind on the road.
Click the link below to receive a qoute or talk to one of the Vanari team and we can organise cover for you and have your caravan insured before you drive out of the yard.
Caravan Insurance FAQs
What should I consider when choosing a caravan insurance policy?
Choosing the right caravan insurance policy comes down to a few key factors. Think about the level of coverage you need, as some policies offer basic protection while others provide comprehensive cover, including accidental damage and theft. Always check for exclusions so you know what is not covered. The excess amount is also important, as a higher excess can reduce your premium but means paying more out of pocket if you make a claim. It is also worth looking into the insurer’s reputation and claims process to ensure they are reliable. Finally, check if the policy covers towing and what the specific limits are, as this can vary between providers.
What factors affect the cost of caravan insurance?
Several factors influence how much you will pay for caravan insurance. The caravan’s value and age play a big role, as newer or more expensive models typically cost more to insure. The type of coverage you choose, whether basic or comprehensive, also affects your premium. Your location and where you store your caravan can impact costs, with secure storage facilities often resulting in lower premiums. Security features like alarms, wheel locks, and hitch locks can also help reduce costs by lowering the risk of theft. Insurers will also consider your claims history and how often you use the caravan, as regular use may come with a higher premium.
What are some common exclusions in caravan insurance policies?
Caravan insurance policies often have exclusions that can catch owners off guard. General wear and tear is not covered, and damage caused by poor maintenance is usually excluded as well. If you are using your caravan for business purposes, make sure your policy allows it, as many standard policies only cover recreational use. Illegal activities that lead to damage will void your cover, and tyre damage is commonly excluded unless it results from an accident. Always check your policy wording so you are aware of any gaps in coverage.
What happens with my insurance if I make modifications to my caravan?
If you make modifications to your caravan, it is important to inform your insurer. Changes like upgraded suspension, solar panels, or interior renovations can affect your coverage and premium. Some modifications might increase the insured value of your caravan, while others could alter its risk profile. Failing to disclose modifications could result in your policy being voided, so always check with your insurer before making changes.
How does storage location affect my caravan insurance premium?
Where you store your caravan can have a big impact on your insurance premium. Caravans kept in secure storage facilities or locked garages are generally cheaper to insure than those stored in open areas or on the street. If your caravan is stored at home, security measures like fencing, surveillance cameras, or a wheel lock can help reduce your premium. Insurers assess storage security as a key factor in determining risk, so it is worth taking steps to improve protection.
Does my caravan insurance cover me if I am living in it full-time?
Most standard caravan insurance policies are designed for recreational use, so if you are living in your caravan full-time, you will likely need a specialised policy. Full-time caravan living carries a different risk profile, meaning higher premiums and stricter terms may apply. Some insurers offer tailored coverage for full-time living, but it is important to check the details, as this type of insurance often comes with specific conditions.
Does my caravan insurance cover damage caused by pests like rodents or insects?
Pest damage is typically excluded from standard caravan insurance policies. If rodents, insects, or other pests cause damage to wiring, upholstery, or other parts of your caravan, you may have to cover the costs yourself. Some insurers offer optional endorsements for pest-related damage, so it is worth asking if additional cover is available. In any case, regular inspections and pest prevention measures can help minimise the risk.
What if I rent out my caravan? Does my personal insurance cover this?
No, standard caravan insurance policies usually do not cover commercial rental activities. If you are renting out your caravan, whether privately or through a rental platform, you will need a specialised rental insurance policy. These policies are designed to cover the increased risks associated with renting, including potential damage caused by hirers and liability protection. Without the right insurance, you could be left without cover if something goes wrong.
Does my caravan insurance cover damage caused during off-road travel?
Many standard caravan insurance policies exclude damage caused by off-road travel. If you plan to take your caravan off the beaten track, you may need a policy that specifically includes off-road coverage or an optional add-on. Off-road cover often comes with conditions, such as limitations on where you can travel and requirements for certain safety features, so it is important to read the fine print.
If I store my caravan on a friend’s property, am I covered?
Storing your caravan on private property, such as a friend’s place, can affect your coverage depending on the insurer. Some policies may still cover the caravan, while others might require specific security measures to be in place. It is a good idea to check with your insurer to confirm whether your storage arrangement affects your policy. You should also clarify if the landowner has any liability coverage in case of damage or theft while the caravan is stored on their property.
