Satistics show that around 5,000 touring caravans are stolen every year. Most are stolen from outside the family home although specialist caravan storage compounds and caravan parks are also targeted by thieves. To enable our provider to offer insurance, the caravan must be fitted with security devices such as a wheelclamp or hitchlock.

Deciding on the value of your caravan is the important when deciding on the level of insurance you need. Like all other insurance products, you need to make sure your caravan is not undervalued and that the benefits need to reflect your usage. Do you intend to cover the following;

• Awnings
• Ground sheets
• Security devices & Generators
• Motor movers

If your caravan is more than 3 years old the market value will fall into the second hand market with the cost of the equipment on top. If it is less than 3 years old the then van value is the replacement cost.

Contents cover

As the name suggests, the cover on this part of the policy deals with the value of the contents in the caravan. These could include the appliances and house hold goods. It will not include valuables such as jewellery and video cameras. These will be hopefully included on your house hold contents insurance.

One of the most popular is the New for Old option. This is usually only available whilst your vehicle is under three years old. The cover will often extend to when the caravan is off the road. The contents and equipment can also be covered. An additional benefit of cover during foreign holiday trips is also available.

If you opt for a Standard Product the benefits may include the following;

• Third party liability cover
• £100 excess
• Personal accident cover £10,000
• Contents and equipment cover
• Transportation and Recovery expenses
• Use by family and friends
• Foreign travel cover
• New for old (as long as the caravan is less than 3 years old)

If you intend to opt for a more Comprehensive Product the benefits could include the following;

• New for old (as long as the caravan is less than 10 years old)
• Personal accident cover £25,000
• Third party liability cover
• Vehicle hire expenses
• Foreign travel cover
• No policy
• ExcessExpenses to repatriate family if unable to drive through illness

You could also pay for Extra Cover that would include the following benefits;

• Compensation for loss of earnings
• Compensation for damage to clothes, luggage or personal effects
• Compensation for loss or use of your tow or caravan