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Clearly the whole purpose of insuring your caravan, aside from a legal obligation if you’re taking it on the road, is to protect against the risks of high costs, should something go wrong. Because of this, the fundamental basis for the price of your caravan insurance policy is the risk involved – i.e. the likelihood that there will be a claim.

Keeping this in mind when assessing your caravan can be a very straightforward way to help you reduce the costs of insuring it. If you are in a position to choose which site your caravan will be at, or if you will be in the near future, it can be wise to take security into account. If your site has perimeter fencing, or walls and has some form of secure access such as electronic gates or even a simple lock, you may be able to give this information to your insurer, as it is evidence of a reduced risk of theft or burglary. Aside from this, you can also add security features to the caravan itself to make it more secure, such as an alarm or motion sensitive lighting. You can also sometimes save money by not having any belongings in the caravan insured by the policy. This means you could have to not store them in the caravan for peace of mind, although some home contents policies will cover items kept in your caravan. You can also reduce the risk of fire by installing fire alarms and fire extinguishers and by ensuring that no smokers use the caravan – these can also help reduce the cost of your premium.