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Protecting the contents of your caravan with caravan contents insurance cover is not just about picking a figure from the air that you think is correct and arranging protection, it is important that you get it right. This is because:

• if you get the amount wrong and don’t take enough protection (this amount is known as the sum insured), then in the event of a claim, you may not get enough money back. This is called being under-insured;
• if you get the amount wrong and you take out too much cover, you could be paying out for cover that you do not need.

So, how do you value the contents of your caravan for insurance? Before we start, bear in mind that there are two elements to consider when insuring your caravan – the caravan itself and any accessories; and the contents. Here we look at the latter, calculating caravan contents insurance cover.

• Tale an inventory of all the items within your caravan or static home, ignoring the fixtures and fixtures such as furnishings which in most cases will be covered under your standard caravan insurance policy. The inventory should include things such as personal effects, TV’s, DVD players and radios, clothing and any sports equipment.
• Add up how much these items cost you – this is the amount that you will need to have included within your cover. If something happens to these items, then you will typically get the market value for them.
• Note that valuable items such as expensive jewellery or cameras may not be covered under the policy.

Finally, do check that you are not ‘doubling up’ on the caravan contents insurance cover. These items may already be covered under your home insurance policy, so look at your home insurance policy documentation or talk to your insurer. After all, why pay twice for something?

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