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Caravan Insurance

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Caravan Insurance

We offer very competitive rates on caravan insurance. If you are currently with the Caravan Club or Camping and Caravan Club we can save you £££s.

 
bulletQuality Cover
bulletPremium Discounts
bulletNo Claims Bonus
bulletSecurity Precautions
bulletWinter Weather Precautions
bulletQuotation details required
bulletInstant cover available

Quality Cover    back to top

Obviously policies will vary but the following is typical of the level of cover available. You should always check with your advisor that the policy meets your demand s and needs.

bulletComprehensive cover, including recovery costs (subject to £75 excess)
bulletFree unlimited European cover (for up to 60 days per trip)
bullet'New for old' option for caravans up to 3years old, if your caravan in stolen or damaged beyond economic repair.
bullet£50 per day for hotel accommodations or caravan hire following theft or damage (for up to 14 days)
bullet£1,000,000 public liability cover.
bullet£7,500 Fatal Accident Benefits.
bulletCover while hiring out your caravan on a permanent site in the UK, also no additional cost.
bulletCover while lending your caravan to relatives or friends within the UK, also at no additional cost.
bulletLegal Help line -
 

Premium Discounts      back to top

Insurers may reduce the premium in respect of factors they feel will reduce the risk. In the table below are examples of discounts available from  insurers :

Discount Factor Saving
Are you over  40?                           10%
Have you caravanned claim free for a minimum of two years? 10%
Are you a club member (eg Caravan or Owners club)? 5%
Is an electronic alarm fitted?        5%
Is a tracking device fitted?           5%
Does total caravan & equipment value exceed £10,000? 10%
Is the value between £6,000 and £10,000? 5%

No Claim Bonus     back to top

Your premium may reduce in future years if you stay claim free for example

Claim free years

No Claim discount

Year 1 10%
Year 2 15%
Year 3 20%

Security Precautions       back to top

The underwriters will usually require that when the caravan is left unattended and detached from the towing vehicle, it should be fitted with:

bulleta wheel clamp from a recognised manufacturer
bulleta hitchlock, also from a recognised manufacturer

Your caravan may not be insured or have reduced cover if you do not comply with these requirements. Please carefully check what requirement apply to your policy.

Some insurers will also allow discounts for datatag marking and tracker type vehicle tracking units.

We would also recommend ensuring even when attached to your car when parked in motorway service areas or laybys you secure your van against theft.

Winter weather Precautions        back to top

Caravans are often damaged by storms and floods during the winter. damage can be minimised if the caravan is kept in a supervised location. The underwriters will often require that between the months of October to March, when not in use your caravan should be kept either:

bulletat your home
bulletat an attended secure storage site
bulletinside fully enclosed premises

Your caravan mayl still be insured, even if you cannot comply with these requirements buy may be subject to higher excesses or restricted cover.

Quotation details required       back to top

To help us secure the most competitive quotation please supply the following information.

bulletYour name and date of birth
bulletCaravan make, model, year, value (including equipment) and value of personal contents (if required- we recommend you insure these under your household policy).
bulletCover required New for old ( Value above should be replacement new cost) or indemnity ( value above should be current market value)
bulletStorage arrangements ie home, secure store, on site etc  we will need full address details incl postcode and details security on site
bulletClaim free years caravanning with previous insurer
bulletClub memberships ie Caravan club, C&C club, Owners club.
bulletSecurity details ie hitchlock, wheelclamp, alarm, datatag,   tracker system
bulletCurrent premium

Apply for a quote now by phoning 0121 693 7232 or email us at Caravans@ Vauntage.co.uk

Instant Cover             back to top

We can arrange instant cover after quotation upon payment by credit or debit card with no forms to fill in. Policies are issued the same day.