What information do I need to get a caravan insurance quote?

To get a caravan insurance quote through Ripe, you’ll need to provide your personal details such as your name and address, details of your caravan including its make, model and year of manufacture, information about where it will be stored and any security measures in place, and your claims history.

What is new-for-old cover?

If your caravan or holiday home is damaged beyond repair or stolen, new-for-old cover reimburses you for the cost of replacing it with a new equivalent model if one is available in the UK. For static caravans, lodges, cabins and chalets, the unit must be less than 10 years old. For touring caravans, it must have been purchased brand new and be less than 15 years old.

Can I protect my no-claims discount?

Yes. If you have three years’ no-claims discount, you can choose to protect it when getting a quote or at renewal. If you make two claims within a three-year period, the discount will no longer be protected following the second claim. Protecting your no-claims discount does not guarantee your renewal premium.

What is market value cover?

Market value cover means that if your caravan or holiday home is damaged beyond repair or stolen, you will be reimbursed for its market value at the time of the loss.

Can you insure me if I live outside the UK?

Unfortunately not. Ripe can only insure permanent UK residents.

I previously made some claims. Can I still take out a policy with you?

Your claims history will be considered when you get a quote. Whether a policy can be offered depends on the number of claims you have made, their value and the circumstances.

What should I do if I need to make a claim?

If you need to make a claim, contact the claims department as soon as possible by phone or email. Further guidance is available on the Making a claim section of the website.

Can I add extra cover to my policy later?

Yes. You can add or remove cover at any time by contacting Ripe, making it easy to adapt your policy as your needs change.

Ripe is one of the UK’s leading specialists in niche insurance products, with over 250,000 policyholders. Ripe focuses on making insurance easy to buy, simple to understand and jargon-free, while meeting and exceeding Financial Conduct Authority standards.

Yes. You can choose to pay in a single lump sum by Direct Debit or card, or pay monthly by selecting the pay monthly option at checkout, paying a deposit and spreading the remaining balance over nine instalments.

Caravan Insurance, Claims & Security Guide

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