What is caravan insurance?
Caravan insurance offers you financial protection in the event that something happens to your caravan.
While it’s not compulsory (unlike motorhome insurance), it’s often recommended that you have caravan insurance. Though your car insurance may cover you for third party incidents whilst towing your caravan, it will not cover any damage caused to your caravan, so if something happens whilst you’re on the road, you could suffer financial loss.
Having caravan insurance also means you’re covered for incidents including thefts, damage (both accidental and malicious), weather-related incidents and accidents you may be liable for.
What’s the difference between a touring and a static caravan?
The main difference between a static caravan and a touring caravan is that touring caravans can be towed from place to place, while static caravans usually stay in one location (such as a holiday or caravan park).
Touring and static caravans each come with different advantages and risks, which is why each requires slightly different policies to ensure you’re fully covered.
Static caravan insurance
Static caravans are permanent structures, sometimes referred to as mobile homes. They’re usually housed on purpose-built sites.
Here’s what you can expect from Safeguard’s static caravan insurance:
*Weather damage — Cover against damage caused by adverse weather conditions.(Damage caused by flood may be excluded in certain postcodes)
*Damage caused by paying guests — Protection against accidental damage caused by holiday renters. (Subject to the terms and conditions of your Safeguard Insurance policy)
*Public liability cover — Protection against claims from anyone who may have injured themselves or damaged their property while in or around your static caravan. (Subject to the terms and conditions of your Safeguard Insurance policy)
*Contents insurance — Your contents and belongings are covered against theft or attempted theft, flood, storm and accidental or malicious damage. (Subject to the terms and conditions of your Safeguard Insurance policy)
Touring caravan insurance
Touring caravans make a great alternative to camping and are becoming increasingly popular amongst adventurers young and old, as well as families with young children. Whether you like to keep your touring caravan local or use it to travel around the UK and abroad, Safeguard insurance can help keep your vehicle protected from risks such as accidental damage, theft or weather-related issues.
*New for old cover — Replace caravans up to 10 years old that have been damaged, lost or stolen with a new one of equivalent value. You must insure your caravan for its present-day purchase price as new, or its equivalent model.
*EU cover — Cover to take your touring caravan to the EU is included as standard. We provide your Green Card.
*Up to £5m public liability cover — Protection against claims from any accidents you may be involved with while towing your touring caravan. Cover doesn’t include any vehicles being used to tow the caravan.
*(Optional) Caravan breakdown cover — Available for caravans and trailers with a gross weight of up to
3.5 tonnes
