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Frequently asked questions

Ripe Insurance for Caravans FAQs
  • What is 'new for old' cover?
    • If your holiday home or caravan is damaged beyond repair or stolen, you will be reimbursed for the value it would cost to replace it with a new, equivalent model (if one is available in the United Kingdom). For touring caravans, new for old cover only applies if the caravan was purchased brand new.

       

    What is 'market value' cover?
    • If your holiday home or caravan is damaged beyond repair or stolen, you will be reimbursed for the market value at the time of the loss.

       

    Can you insure me if I live outside the UK?
    • Unfortunately not. We can only insure permanent UK residents.

    I previously made some claims, can I still take out a policy with you?
    • We’ll ask about your claims history when you get a quote with us. Whether we can offer you a policy will depend on the number of claims you’ve had, the claim value and the circumstances.

    Can I protect my no claims discount?
    • Yes. As long as you have three years no claims discount, you can protect this by selecting the ‘protect your no claims discount’ option during your quote or at renewal. Please note that if you have two claims within a three year period, following the second claim your no claims discount will no longer be protected. This means that a third claim in three years would affect your no claims discount. Protecting your no claims discount does not guarantee your renewal premium however you will benefit from the no claims discount on your renewal premium. Please see the Policy Wording for full details.

    How much Public Liability cover do I need?
    • Although there isn’t a set limit for Public Liability insurance for caravan and holiday home owners by law, some holiday parks may require you to have a certain amount of cover so you should check before you choose your policy. All of our caravan and holiday home policies come with up to £2 million Public Liability insurance included as standard. If you require additional cover, you can choose to increase this to £3 million or £5 million for an additional premium. Get a quote.

    What should I do if I need to make a claim?
    • If you need to make a claim, please contact our claims department as soon as possible on 0344 274 0272 or by email. Please see Making a claim for further information.

       

    Can I add extra cover to my policy later?
    • Absolutely. We appreciate that your requirements might change from time-to-time, which is why we’ve made it easy to add and remove cover. Simply Contact Us and we’ll make the changes you need, hassle-free.

    Who are Ripe?
    • We are one of the UK’s leading specialists in niche insurance products. Over 250,000 policyholders have already chosen Ripe for their sports, leisure, personal and business insurance. Our fresh approach to insurance is all about making insurance easy-to-buy, simple-to-understand, jargon-free and excellent value. We ensure that our insurance practices not only meet but exceed the standards set by the Financial Conduct Authority, giving our customers a clear understanding of our insurance products and providing a first-class insurance service. Find out about how we do things differently.

    What is the Ripe Guarantee?
    • The Ripe Guarantee incorporates all the things that are great about Ripe. With the Ripe Guarantee, you’ll get great cover and exceptional service at the right price. Click here to find out more.

    Can I pay monthly?
    • We offer a variety of payment options. If it suits you to pay in one lump sum, you can choose to pay this by a single Direct Debit from your bank, or by Credit or Debit card. Alternatively, you can pay in monthly instalments. Select the ‘Pay monthly’ option at check out, pay the deposit and we’ll take the remaining balance over 9 instalments.

Static caravans, lodges, cabins and chalets FAQs
  • Can I insure my static caravan, lodge, or chalet that I live in all year round?
    • Our caravan insurance is designed for holiday homes only. This does not include residential park homes or holiday homes that are lived in all year round. If your caravan, lodge, chalet or other park home is your permanent residence, unfortunately we won’t be able to offer you insurance.

    Can I insure a static caravan, lodge, cabin or chalet that is outside of the UK?
    • No. Our holiday home and caravan insurance is restricted to within the UK only.

    What age of static caravan, lodge, cabin or chalet can you insure?
    • We can cover properties that were manufactured/built in the last 20 years.

    Can my family and friends use my static caravan, lodge, cabin or chalet?
    • Our insurance covers the person who takes out the policy, their domestic partner and members of their family (or families) who are permanently living with them, and their foster children who live with them. If you allow friends and family outside of this group use your holiday home, they will not be covered, unless you have included Rental Cover and Loss of Rent.

    Am I covered if I hire out my static caravan, lodge, cabin or chalet?
    • As long as you select Rental Cover and Loss of Rent, your holiday home will be covered for loss, damage or theft whilst on hire. This also provides cover for any loss of rent you might suffer whilst your holiday home is out of use as a result of the damage. Find out more about Rental Cover and Loss of Rent.

    What are the minimum safety and security requirements?
    • Read our safety and security requirements here

    What is covered under 'Debris Removal'?
    • Our cover includes debris removal and additional costs up to a maximum of £10,000 which includes the following elements:

      • Re-siting and delivery (static caravans only) as a result of loss or damage covered by this policy
      • Complying with government or local authority requirements
      • Architects, engineers, surveyors and other professional fees
      • Clearing debris, demolition, shoring or propping up as necessary as a result of loss or damage covered by this policy

       

      Please ensure that you read the Policy Document for full details and get in touch if you have any questions.

    Am I covered for the costs of temporary accommodation following an incident?
    • If you choose to add 'Temporary Accommodation cover' to your policy, you will be covered for reasonable costs of temporary accommodation following loss or damage to your holiday home.

      If you are unable to stay in your holiday home due to it being uninhabitable, you can claim the following:

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

      or

      Hire costs of a replacement home up to £75 per day for up to 14 days 

    What does Rental Cover and Loss of Rent include?
    • If you rent out your holiday home, you can add Rental Cover and Loss of Rent cover to provide protection against theft, loss or damage whilst it is in the care of the person renting it. This also covers any loss of rental income and cancelled bookings due to damage to your caravan. You can claim Loss of Rent of up to £200 per week up to a maximum of £800 in total. Please see the Policy Wording for full details.

    Do I need to drain my static caravan, lodge or chalet when I’m not using it?
    • Like most other insurers, we do have certain clauses for when you’re not at your caravan. During the winter (1st November – 31st March), we won’t cover claims caused by leaking, burst or frozen pipes unless you to do ONE of the following:

      • Set any automatic heating to 15˚C, or
      • Turn the water off at the mains and drain the system, or
      • If the park is still open you can turn the water off at the stopcock, keep taps open and plug holes unobstructed
Touring caravan FAQs
  • I cannot pick up my new caravan due to COVID restrictions and it is currently being stored at the dealer. They are asking for proof of insurance, is this possible?
    • Yes this is possible, please contact our customer service team on 0800 668 1505 and they will be able help you.

    Can I insure my caravan for European use?
    • Yes, simply select ‘European Cover’ in the additional cover section during the quote. This provides cover for up to 45 days in any one trip, with a maximum of 60 days in total.

      Cover is included in the following countries: 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.

      If you have an existing policy with us and would like to add European Cover, please give us a call on 0344 274 0271.

    What age of touring caravan can you cover?
    • We can cover caravans up to a maximum of 15 years old.

    Can my family and friends use my caravan?
    • The standard cover is for the policyholder only. If you would like to extend your cover for your family and friends, you can include this by adding the ‘Family and Friends Extension’. You can either add this when you get a quote, or call us on 0344 274 0271 and we can add this for you. Please note that we cannot provide cover you for hire and reward or if you receive any kind of payment for renting out your tourer.

    What are the minimum safety and security requirements?
    • Read our safety and security requirements here

    Do you cover all types of touring caravans?
    • We cover over 65 different makes of touring caravans, folding caravans, trailer tents and folding campers. Unfortunately, there is a small number of makes that we cannot cover. Please see below:

      Airstream
      Fleetwood USA
      Andromeda
      LMC
      Lord Munsterland
      Roma
      Tabbert
      Weippert
      Hobby

    Am I covered if my caravan is damaged in a storm?
    • We will cover damage caused to your caravan by a storm, for example, windows can break or falling trees could cause serious damage. Please note, we do not cover any loss or damage to awnings as a result of a storm.

    Am I covered if my caravan is damaged as a result of a mechanical or electrical failure?
    • If your caravan was damaged as a result of a mechanical or electrical failure, we would not cover damage to the item which failed, but we would cover the resultant damage to your caravan. For example, if there was an electrical fault with the cooker we would not cover the damage to the cooker, but if it caused a fire which then damaged other parts of the caravan, this would be covered under your policy.

Homepage images supplied by Fendt Caravans and Willerby Holiday Homes.

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