Compare Caravan Insurance

If you are a caravan owner, you may be aware that there are different home caravan insurance policies available from online caravan insurance specialists. Yet you may find that the variety of products available is confusing and if you are new to caravanning, you may wonder just what exactly you need.

In one sense, caravans can be seen as falling into roughly two different categories:

• caravans, which can be hitched to a car and towed around. Also commonly known as touring caravans these are typically used for holiday purposes;
• caravans, which are normally permanently parked in one place and used a holiday home or permanent residence. These are also known as static caravans.

You may find that the home caravan insurance policies needed for a home caravan are different to those needed for a touring caravan.

Static caravans permanently sited in custom designed parks may be permanently tethered to utility systems like electricity and water.

They may be less susceptible to theft than a touring caravan. In addition static caravans used as permanent homes may typically contain more fittings and fixtures, home comforts and personal belongings than may be the case with holiday homes. In general, they are not frequently ‘out and about’ on roads and motorways.

So while some forms of risk are lower (e.g. collision damage) others such as burglary may be higher

Home caravan insurance policies for static caravans may even include things like freezer contents. In common with many home insurance policies, you may find that premiums are lower if there is a security system fitted.

With touring caravans, if you know that you are not going to travel abroad, you may be able to opt for a UK only policy and these may be cheaper than insuring for European travel as well. Having a wheel clamp or other immobiliser may help to deter thieves and may also result in lower premiums. Indeed some insurance policies may not cover caravan theft unless you have such a device.

Having the right sort of cover is important for giving you peace of mind. It’s not easy to enjoy that holiday if you are constantly worried about whether or not you would be covered in the event of a problem. Specialised caravan insurance may be available to suit your requirements and at a price you may find pleasantly surprising.

Finding out more about the range of home caravan insurance policies may be a good idea.