Caravan Insurance Frequently Asked Questions

Caravan imageCaravans are more popular than ever and with more than a million in the UK we decided to answer some of the most commonly asked questions about caravan insurance:




Do I really need caravan insurance?

Caravan insurance isn’t a legal requirement, but it does make shrewd financial sense. Some comprehensive car insurance policies provide limited liability cover when your caravan is hitched, but you won’t be covered against damage or theft.

But my caravan really isn’t worth much?

Insurance covers much more than the cost of the caravan itself; add-up all the contents and the replacement cost might be more than you think. It’s also worth bearing in mind that a growing number of campsites and caravan parks insist on guests having public liability insurance.

How do I know I’m getting the cheapest cover?

When it comes to insuring your caravan, the cheapest cover isn’t always the best. Cutting corners can be a false economy leaving unlucky caravan owners out-of-pocket when it comes to making a claim. It’s a much better idea to decide on exactly the level of cover you want and then compare costs. We’ve teamed-up with Caravan Guard, one of the biggest names in the business, and you’ll have to go a long way to get a better deal.

How are caravan insurance premiums calculated?

Calculating premiums is all about calculating risk and insurers look at the likelihood of making a claim and the cost of paying-out a claim. A variety of ‘risk factors’ are used, and some carry more weight than others, notably: driving and claims history, caravan storage and security, and value.

What’s covered under standard caravan insurance?

Benefits vary between providers, but most basic policies safeguard against: damage, fire and theft. At Quoteline Direct we like to go that extra mile and include up to £2.5million Public Liability Insurance and Friends and Family cover as standard.

Can you provide any additional cover?

We’ve found the best way to keep customers happy is to let them build a bespoke policy that fits their needs. Customers can choose from a range of additional benefits, including:

  • New for Old Replacement for caravan and contents up to 15 years old
  • Emergency Accommodation Up to £100 a night for 30 days if you are unable to use your caravan
  • European Cover Providing cover on the continent for up to 240 days
  • Locks & Keys Up to £500 to cover replacement locks and lost keys
  • Caravan Recovery We will bring your caravan back home if it can’t be towed
  • Legal Expenses Up to £100,00O to help cover legal costs
  • Awnings Covered Including storm damage which can be hard to find

Are there any ways I can cut the cost of cover?

Careful caravan owners can earn serious discounts cutting the cost of cover in half. Here are just a handful of ways you could save:

  • No Claims Discount Claim-free caravaners could save up to 20% and can protect their NCD
  • Join a Club Members of caravanning clubs typically save an additional 10%
  • Owners over 30 If you are aged over 30 years-old you’ll get a 10% discount
  • Secure Storage Get 10% discount if your caravan is stored in an approved site
  • Safety & Security Cash-in on a variety of discounts such as 15% for fitting a tracker, 10% for a new axle wheel lock and even 5% for fitting Tyron tyres.

Can you arrange cover for all types of caravan?

We take a flexible approach to insurance and can provide competitive quotes for all types of static and touring caravan as well as trailer tents and folding caravans.

What about making a caravan insurance claim?

At Quoteline Direct we understand that nobody wants to make a claim and we work hard to get you and your caravan back on the road, which is why our claims line is open around-the-clock every day of the year.

Everything sounds great, how to I get a quote?

Getting a quote couldn’t be simpler, just visit our caravan insurance page, fill-in our quick online contact form, and a member of our team will get back to you and tailor a quote to fit your individual needs.







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