Insurance is an important part of any caravanning trip. It will help protect you, your caravan and any belongings you take with you.
This page will answer some of the most common questions about caravan insurance.
A caravan is a trailer that has been designed to be pulled by a vehicle or to be self-sufficient when it is travelling on its own. Caravans are often used for holidays, especially by people who enjoy outdoor activities like camping and fishing. However, they can also be used as permanent homes by people who have decided to live a more adventurous lifestyle outside of cities or towns.
Caravans are available in many different sizes, depending on the number of people who intend to use them and how much equipment they want to transport. Some caravans can accommodate up to 20 people at one time, while others can be disassembled and stored in small spaces so they can be transported easily.*
Caravan Insurance is a type of insurance policy provided to individuals or businesses to cover losses caused by certain unexpected events that may result in the theft, loss or damage of goods.
There are many different types of insurance policies that are available to protect your caravan, including third party only, fire and theft, personal accident, breakdown, domestic and European cover. You should choose an adequate policy that matches your circumstances and needs. By doing this you will reduce your risk of being left uninsured if the worst should happen. Contact NACO services for more information.
Caravan insurance is usually split into two types:
1. Contents cover – this will insure all your belongings in the van up to a specified value.
2. Third party cover – this will protect third parties where they are injured or property damaged when travelling in your van.
If you have any valuable items such as jewellery or laptops, it might be worth taking out separate policies for these so that they can be covered separately from your caravan contents. Insurance companies will usually provide additional cover if certain measures are taken such as installing security alarms or locking devices on windows and doors, however always check with individual companies regarding any special offers before taking out the policy.
Towing a caravan is different to driving a car and therefore you will need to ensure that the type of caravan insurance you have covers this aspect. Your caravan insurance policy may not provide cover if you are towing a caravan but not living in one. If you don’t have an actual tow bar, then it is likely that you will need to take out specialist caravan insurance too.