Getting your caravan is insured is a vital step to take in order to protect you from any costs that may be incurred by accidental damage to your caravan, or by damage from theft or bad weather.
Most caravan insurance policies will cover damage done to your caravan by bad weather, theft, accidental or malicious damage, fire and flooding.
Your removable possessions stored in the caravan will also be covered up to a limit defined in your policy (typically 300).
The possession cover will not cover small valuables such as jewellery, money and credit cards; these should be covered under all the risks section of your household contents insurance policy. The caravan contents insurance is intended for possessions that you cannot be expected to take with you such as furniture, curtains cutlery etc.
You have a responsibility to ensure that your property is secure to the best of your ability, there will be no cover if you leave the caravan unlocked or leave valuables lying out in the open under an awning for example.
Similarly, if your caravan is stolen and it did not have a wheel clamp and hitch lock fitted, there will be no cover.
There may be different requirements for the security of your selected caravan site in order for your insurance to be valid. For example some insurers may insist that you park your caravan in a registered holiday park, whereas some may insist that your chosen destination in concealed by fencing or hedging around the boundaries.
You may be able to include damage to awnings at a small extra charge, usually there is a restriction on the age of the awning that can be covered, typically awnings that are more than seven years old cannot be covered.
