Ripe Insurance Logo

Ripe Touring Caravan Insurance Frequently Asked Questions

Find the frequently asked questions around Ripe touring caravan insurance below. If you are looking to get in touch, please visit our product support centre.

Insurance, cover & policy changes

  • There are around 4,000 caravans stolen every year in the UK. And a caravan is a big investment and one that we feel is best to have insured in case the worst should happen, just as you would with your car or home, it is after all your very own home on wheels.

  • 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

  • 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.

  • Unfortunately, we cannot advise on valuing your caravan. We specialise in insurance, so you need to tell us how much you would like to cover your caravan for.

    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.

  • Yes, we can cover the contents of your caravan, such as televisions, pots, pans, cutlery, glasses, microwaves, etc. The single article limit for any one item is £1,000.

    Note: Contents cover does not include valuables, money or personal possessions.

Europe & towing

  • European cover doesn’t come as standard as you can build a policy to suit you, however you can add European cover to your policy, this will give you up to 60 days cover in one trip.

    Note: No more than 120 days in total in the policy term.

  • The policyholder or their spouse is covered to tow the caravan. If you have added our Friends & Family Cover, this is extended to friends & family who are using/towing the caravan with your permission.

  • You are covered whilst towing for Theft & Accidental Damage.

    For example, if you stop for fuel/food on your journey, and the caravan is still securely connected to the towing vehicle, and is stolen off the back of your vehicle, you are covered.

    In the case of accidental damage, for example, if you were to clip a kerb, and the caravan flips over, you are covered.

    Please note: the policy does not provide cover for Public Liability whilst towing.

    For example, if your caravan were to collide with another vehicle on the road, it is not covered under our policy; this would fall under your car insurance, so always check with them to confirm if you are covered for towing.

Friends & family use

  • Cover for friends and family is not included as standard, however, we do have an option for this. If you choose to include our Family & Friends Extension then this allows you to extend the cover of this policy to your immediate family or friends who have your permission to use the caravan.

    Please note: Cover is not valid if you are being paid/receiving financial compensation for the use/rental of your caravan.

Damage & exclusions

  • Yes, we will cover damage to the caravan as a result of a storm. For example: broken windows, snapped aerials, damage by falling trees & branches.

    Please note: Awnings are not covered for storm damage.

Eligibility & caravan types

  • 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

  • We can offer cover on tourers, folding caravans, trailer tents & folding campers.

  • We can cover touring caravans up to 15 years old.