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Caravan insurance – just what is covered?
Most insurers offer instant quotes and immediate cover onlinee cover nowadays.

Touring Caravans

Policies typically cover the Touring Caravan itself for loss or damage, its contents and should the caravan be involved in an accident emergency removal may be included, together with alternative accomodation for the caravanners.
To enable the caravanner to use their caravan abroad European use up to 240 days can be sourced and also cover for immediate family should they wish to use your touring van.
Depending upon the age of the caravan ther amy also be an option for New for Old.
most insurers nowadays provide the option to pay by Monthly Direct Debit, Credit card or cheque if desired. Some will even let you pay by invoice!

Typical features -
Loss of damage whilst the caravan is being towed.
Protection and removal to the nearest repairer following loss or damage.
Delivery after the caravan or trailer tent has been repaired to your home address or the storage location.
Third party liability.
Alternative accommodation.                                     
Expenses occurring from the sole person who can drive the caravan becoming ill
Caravan contents.

Agreed Value

If the caravan has been purchased from a bona fide caravan dealer within the last 12 months, it can usually be insured at an agreed value ie for its purchase price.
In the event of a total loss with 12 months of purchase the Insurer will pay the purchase price with no deduction for depreciation since the purchase date.

Market Value

The sum insured should reflect the market value of the caravan, its equipment and contents taking into account age and condition. The sum insured should be reviewed at renewal each year to reflect the value of any additions or depreciation in value.
Most insurers will pay either:
• the market value of your caravan or its equipment immediately before the loss;
or
• the sum insured of your caravan or its equipment as shown in the schedule;
whichever is less.
Sum Insured
The sum insured is declared by you and should represent the full cost of the caravan.
The most an Insurer will pay is the sum insured shown in the schedule.
Underinsurance
If the cost of repairing or rebuilding the caravan is more than the sum insured declared by you at the time of any loss or damage, then you will have to pay a share of the claim. Repairs
If your caravan suffers loss or damage which is covered, you can usually
authorise and arrange for the caravan to be taken to the nearest authorised repairer. The Insurer will usually pay for the cost of protection, removal and redelivery charges (including disconnection and reconnection costs).

Static Caravans

Static Holiday Caravans insurance will cover the holiday caravan itself and its contents and with some Insurers a loss of rental income if the caravan is made uninhabitable.
Depending upon the age for the caravan there is uaually also an optional New for Old extension. The majority of Caravan Sites in the UK are covered by most companies.

Typical key features static van policies you should look out for -

Option to pay by Monthly Direct Debit
Cover for loss of or damage to the caravan itself (fairly obvious)
Cover for the fixtures and fittings within the caravan including
Furnishings
Utensils
Bedding and Accessories
Awnings
Toilet tents
Freezer spoilage
Contents
Loss of rental income                                                                                                                              Public Liability
Accidental damage to fixed glass, panels, sanitary fixtures, televisions, videos, audio and computer equipment
Replacement locks if keys are stolen
Standard levels of cover including fire, lightening, earthquake, explosion, storm or flood