Touring Caravan Insurance
| Section |
Section of Cover |
Policy Limit |
Excess |
| 1. |
Caravan & Equipment |
The sum insured shown on your policy schedule |
£100
£500 (Subsidence) |
| 2. |
Frost Damage to Plumbing Installations |
The sum insured shown on your insurance schedule |
£100 |
| 3. |
Breakage of Glass |
The sum insured shown on your insurance schedule |
£100 |
| 4. |
Damage to Underground Services |
The sum insured shown on your insurance schedule |
£100 |
| 5. |
Damage to Electrical Equipment |
The sum insured shown on your insurance schedule |
£100 |
| 6. |
Additional Costs |
The sum insured shown on your insurance schedule |
None |
| 7. |
Alternative Accommodation and Loss of Ground Rent |
Up to £100 per day for up to a maximum of 14 days |
None |
| 8. |
Compensation for death in your caravan |
£10,000 |
None |
| 9. |
Loss of Metred Water, Domestic Heating Oil & LPG |
£750 |
£100 |
| 10. |
Garden Cover |
£750 |
£100 |
| 11. |
Emergency Access |
The sum insured shown on your insurance schedule |
None |
| 12. |
Liability to the Public |
£5 Million |
None |
Caravan Legal Expenses
| Section |
Section of Cover |
Policy Limit |
Excess |
| 1. |
Personal Injury: |
£25,000 |
None |
| 2. |
Clinical Negligence: |
£25,000 |
None |
| 3. |
Consumer Disputes: |
£25,000 |
None |
| 4. |
Home Rights: |
£25,000 |
None |
| 5. |
Probate: |
£25,000 |
None |
| 6. |
Taxation: |
£25,000 |
None |
| 7. |
Employment: |
£25,000 |
None |
| 8. |
Criminal Prosecution Defence: |
£25,000 |
None |
| 9. |
Jury Service Expenses: |
£25,000 |
None |
| 10. |
Education: |
£25,000 |
None |
| 11. |
Social Media Defamation: |
£25,000 |
None |
| 12. |
Identity Theft: |
£25,000 |
None |
Key Policy Exclusions (see Policy Wording for all exclusions)
Exclusions relating to Caravan & Contents
- The amount of any excess, applicable per section as shown in your policy schedule.
- Loss or damage caused by persons lawfully in the caravan.
- Loss or damage occurring whilst the caravan or any part is lent to anyone other than your family and friends or let for financial reward.
- Loss or damage by you or your family.
- The first £500 of any claim for subsidence or heave of the site which the caravan stands, or landslip.
- Loss or damage caused by faulty workmanship or design or the use of faulty materials.
- Loss or damage caused by wear and tear, atmospheric or climatic conditions, rot, fungus, insects, vermin, domestic pets or insects, repair, cleaning, alteration, restoration, dyeing, or depreciation.
- Loss or damage caused by mechanical or electrical breakdown.
Exclusions relating to Contents
- Loss or damage caused by theft occurring whilst the caravan is unoccupied or unfurnished unless involving forcible and violent entry to or exit from the caravan.
- Loss by deception unless deception is only used to gain entry to the caravan.
- Deterioration of food.
Exclusions relating to Liability
- Liability arising from the accidental death, bodily injury, illness or disease to you or your family.
- Liability arising from the ownership of any building or land other than the caravan and land belonging to the caravan.
General Exclusions
- We shall not be liable for any loss or damage or liability arising from or directly or indirectly caused by or resulting from or contributed to by any gradually operating cause.
We know buying a static caravan is a huge financial responsibility which is why it makes perfect sense to insure your investment. Most static caravan sites do require you to have insurance in place before you move in, so it’s a good idea to get a jump start on things before the big day. Our static caravan cover offers content insurance, accidental damage and theft as standard.
Accidental Damage and Theft
Having cover when things get damaged, or worse, stolen is an absolute necessity in most insurances, and will give you peace-of-mind when leaving your caravan for an extended period. Included in this cover is damage caused by storms, so knowing you’re protected should help you sleep a little easier.
Frost Damage
Winters can be particularly difficult for static caravans, so with our frost cover will help with underlying damage caused by frozen pipes and water leaks, which can be a big worry, especially if you leave your caravan empty over the holidays.
Garden Cover
Should anything in your garden area get damaged by storms or vandalism then you’ll have £750 to spend on repairs and getting it back to the perfect way it was.
Alternative Accommodation
Should you be unable to stay in your static caravan because of severe damage or theft, we’ll help you pay for loss of ground rent, and a place to stay for up to £100 per day for a maximum of two weeks, giving you plenty of time to get back on your feet.
New for Old Cover
If your caravan is beyond repair, either through damage or theft, then you’ll be safe in the knowledge that you’ll get a replacement on either the new for old option or market value (depending on what you select when purchasing.)
Always read through your policy wording and exclusions, to make sure our cover is right for you.
Our FAQs are intended as a guide and are not exhaustive, you should not rely on these in their entirety and should read the Policy Wording for all policy Terms, Conditions and Exclusions. If you have any additional queries regarding our insurance please use our Contact Us section to get in touch. We will endeavour to respond to any queries within 24 business hours.