What does caravan insurance cover?
What does caravan insurance cover?
Caravan insurance covers your caravan against accidental damage (including while towing), theft, fire and storm damage, whether it's on the road, at a campsite or in storage. Cover for the caravan's contents, awnings and annexes is usually optional, and third-party liability protects you if the caravan causes damage to others. Check the excess and any security conditions.
Key takeaways
- Covers accidental damage, theft, fire and storm - towing, camping or stored.
- Contents, awnings and annexes are usually optional add-ons.
- Third-party liability covers damage the caravan causes to others.
- Cover applies in storage subject to security requirements.
- Wear, tear and gradual damage are excluded.
The caravan itself
Core cover protects the caravan's structure and fittings against accidental damage - including overturning and collision while towing - plus theft, attempted theft, fire and storm damage. This applies whether the caravan is being towed, standing at a campsite, or in storage, subject to the policy's security conditions.
Contents, annexes and liability
The caravan's contents (crockery, bedding, equipment), awnings and annexes are usually covered as optional extras up to a limit, so add them if you travel fully kitted out. Third-party liability covers you if the caravan injures someone or damages property. Personal belongings may need to be specified.