Can I change my policy mid-term?

Yes, our policies are very flexible, allowing you to change/adjust your policy at any time throughout the policy term. 

Note: Admin fees apply to all policy changes as per our Terms of Business.

Types of cover available for tourers

New for Old: This is for any caravan purchased new by you. This cover will pay for a replacement caravan in the event of a total loss claim as new, with the same Make/Model, if this is no longer available it will be replaced with one of equal specification, features & functions. Once the caravan reaches 15 years old, it no longer qualifies for New for Old cover and will be reduced to Market Value cover.

Note: You must ensure the figure you insure for is an accurate reflection of the cost to replace your caravan and its equipment at the time of inception/renewal of your policy, and keep us informed of any changes to this throughout the term of the insurance policy.

Market Value: The current market value for your caravan, equipment or contents, taking into account age, type and condition at the time of the loss.

Both our Core and Flex caravan policies offer the option to include New for Old cover if the caravan was purchased from new and less than 15 years old.

How much should I insure my caravan for?

We’re unable to provide advice on the value of your caravan, as we specialise in arranging insurance rather than valuations. When taking out or renewing your policy, you'll need to choose the amount you would like your caravan to be insured for.

It's important that your sum insured accurately reflects the cost of replacing your caravan and its equipment at the start of your policy and that you keep this amount under review throughout the policy term, letting us know if anything changes.

If you choose New for Old cover, the sum insured should be enough to replace your caravan with a brand-new caravan of the same make and model in the event of a total loss. New for Old cover is available for caravans that were purchased new and are less than 15 years old.

If you choose Market Value cover, the sum insured should be enough to replace your caravan with one of a similar age, condition, make and model in the event of a total loss.

Making sure your caravan is insured for the correct amount helps ensure you have the right level of protection should you ever need to make a claim.

Can I get contents cover?

Yes. You can add contents cover to your caravan policy to protect items kept inside your caravan, such as televisions, microwaves, pots, pans, cutlery, glasses and other household essentials.

Contents cover is available on both our Core and Flex caravan policies, with cover levels ranging from £500 up to £10,000.

Please note that the single article limit is £1,000, which means the maximum amount payable for any one item is £1,000.

Important: Contents cover does not include valuables, money or personal possessions. If you're unsure whether a particular item is covered, please refer to your policy documents or contact us for further information.

Am I covered in Europe?

European cover is not included as standard, allowing you to build a caravan insurance policy that suits your needs. However, European cover can be added as an optional extra to both our Core and Flex caravan policies.

If selected, European cover provides up to 60 days of cover per trip, with a maximum of 120 days abroad in total during the policy period.

Adding European cover gives you peace of mind when travelling overseas, knowing your caravan is protected while you're enjoying your time in Europe.

The territories covered under our EU cover are limited to:

Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Italy including the Vatican City, Latvia, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland.

Am I covered whilst towing?

Yes. Your caravan is covered for theft and accidental damage whilst being towed.

For example, if you stop during your journey for fuel or refreshments and your caravan is stolen while still securely attached to the towing vehicle, you would be covered for the theft.

Similarly, if your caravan is accidentally damaged whilst being towed, such as overturning following an impact with a kerb, cover would apply for the resulting damage.

Important: Your caravan policy does not provide Public Liability cover whilst towing.

For example, if your caravan were to collide with another vehicle or cause damage to third-party property while on the road, this would not be covered under your caravan insurance policy. In these circumstances, cover would typically fall under your motor insurance policy, so we recommend checking with your car insurer to confirm the extent of your towing cover before travelling.

Understanding what is and isn't covered whilst towing can help ensure you have the appropriate protection in place before setting off on your journey.

Who is covered to tow my caravan?

The policyholder and their spouse are covered to tow the caravan as standard under the policy.

If you have Friends & Family Cover, this protection is extended to friends and family members who are towing or using the caravan with your permission.

With our Core caravan policies, Friends & Family Cover is included as standard. With our Flex caravan policies, it is available as an optional extra for an additional premium.

This gives you the flexibility to allow trusted friends or family members to tow your caravan, provided they have your permission and the appropriate cover is in place.

Important: Anyone towing the caravan must ensure they are legally permitted to do so and that their towing vehicle and motor insurance provide the required cover for towing.

Do you cover storm damage?

Yes. Cover for storm damage is included as standard with both our Core and Flex caravan policies.

This means you'll be covered for damage to your caravan caused by a storm, including incidents such as:

• Broken windows

• Snapped aerials

• Damage caused by falling trees or branches

Storms can be unpredictable, so having this cover in place helps protect your caravan against a range of weather-related damage.

Important: Awnings are not covered for storm damage under the policy.

If you're ever unsure whether a particular type of damage would be covered, please refer to your policy documents or contact us for further information.

What does Legal Expenses cover?

Legal Protection is an optional extra that sits alongside your caravan insurance under its own underwriter, terms, cover sections and exclusions.

Underwritten by Arc Legal Assistance Ltd.

• Provides cover for Contract Disputes relating to the purchase, sale or rental of goods and services connected to your caravan, including disputes arising from the sale or purchase of the caravan itself.

• Provides cover for Property Infringement, helping with the legal costs of pursuing action against individuals or organisations that interfere with your legal rights in relation to the storage or siting of your caravan.

• Provides cover for Criminal Prosecution Defence, covering advisers' costs to defend proceedings brought against you following a road traffic accident involving your caravan whilst it is being transported.

• Provides cover for Personal Identity Fraud, including assistance with removing County Court Judgments (CCJs) and liaising directly with organisations where policyholders have allegedly purchased goods or services.

The maximum amount payable under the policy is £25,000.

No excess applies to claims made under Legal Expenses.

Legal Expenses cover can provide valuable support and assistance if you find yourself involved in a legal dispute relating to your caravan, helping to cover the cost of pursuing or defending eligible claims.

This is an optional extra available with both Core and Flex policies.

Do you cover all makes of caravan?

We cover over 65 different makes & models of caravans, but unfortunately, there are a few that we cannot cover.

Here is the list of caravan makes we cannot cover:

• Airstream

• Fleetwood USA

• Hobby

• Andromeda

• LMC

• Lord Munsterland

• Roma

• Tabbert

• Weippert

Do you cover all types of caravans?

We can offer cover on touring caravans, folding caravans, trailer tents, fifth wheels and folding campers.

Core vs Flex

We offer 2 types of policy for touring caravans which include different cover options and limits.

Our Core policies offer cover for caravans up to 15 years old and up to £75,000 in value.

Our Flex policies offer cover for caravans up to 25 years old and up to £50,000 in value.

Here is a quick breakdown of the differences between the two policy options so you can explore what might be best for your caravan.

Core FAQs

Can I lend my caravan to a friend or a member of my family?

Yes. Cover for friends and family is included as standard under our Core caravan policies. This means you can lend your caravan to immediate friends or family members, provided they have your permission to use it.

Please be aware that this cover only applies to personal use. If you receive any payment, hire fee, or other financial compensation for the use of your caravan, cover will not apply. This includes lending the caravan in exchange for money or using it as a rental.

If you're lending your caravan to friends or family free of charge, you can do so with confidence knowing they're covered under your policy terms.

Who is covered to tow my caravan?

The policyholder and their spouse are covered to tow the caravan as standard.

With our Core caravan policies, Friends & Family Cover is included as standard. This means cover is also extended to immediate friends and family members who are towing or using the caravan with your permission.

This gives you added flexibility and peace of mind when allowing trusted friends or family members to use your caravan.

Important: Anyone towing the caravan must ensure they are legally permitted to do so and that their towing vehicle and motor insurance provide the appropriate cover for towing.

Am I covered for Hotel and Caravan Hire in the event of a claim?

Yes. This cover is included as standard with our Core caravan policy.

If your caravan becomes uninhabitable following a valid claim, this cover can help with the cost of alternative accommodation so you can carry on enjoying your holiday.

Cover includes one of the following:

• Hotel accommodation (excluding food and drink) up to £75 per day for up to 14 days.

• Hire costs for a replacement caravan up to £75 per day for up to 14 days.

No excess applies.

This additional benefit helps ensure your holiday or break can continue with minimal disruption if your caravan cannot be used following an insured event.

Flex FAQs

Can I lend my caravan to a friend or a member of my family?

Friends and family cover is not included as standard under our Flex caravan policies. However, it can be added as an optional extra for an additional premium.

If you have selected this option, you'll be covered to lend your caravan to immediate friends or family members, provided they have your permission to use it.

Please be aware that this cover only applies to personal use. If you receive any payment, hire fee, or other financial compensation for the use of your caravan, cover will not apply. This includes lending the caravan in exchange for money or using it as a rental.

If you would like the flexibility to lend your caravan to friends or family, please contact us to discuss adding this cover to your policy.

Who is covered to tow my caravan?

The policyholder and their spouse are covered to tow the caravan as standard.

With our Flex caravan policies, Friends & Family Cover is not included as standard, but it can be added as an optional extra for an additional premium. If this cover has been added to your policy, cover will be extended to immediate friends and family members who are towing or using the caravan with your permission.

This allows you to tailor your policy to suit your needs while ensuring those close to you can use your caravan when the appropriate cover is in place.

Important: Anyone towing the caravan must ensure they are legally permitted to do so and that their towing vehicle and motor insurance provide the appropriate cover for towing.

Am I covered for Hotel and Caravan Hire in the event of a claim?

Hotel and Caravan Hire cover is available as an optional extra with our Flex caravan policy which can be included for an additional premium.

If you have added this cover and your caravan becomes uninhabitable following a valid claim, it can help with the cost of alternative accommodation so you can carry on enjoying your holiday.

Cover includes one of the following:

• Hotel accommodation (excluding food and drink) up to £75 per day for up to 14 days.

• Hire costs for a replacement caravan up to £75 per day for up to 14 days.

No excess applies.

This optional cover provides added peace of mind, helping you continue your plans with less disruption if you are unable to stay in your caravan following an insured event.