When it comes to caravan insurance services, make sure you choose wisely and always shop around for the best caravan insurance price. There are many different insurers out there offering different discounts. ALWAYS read the small print as you may think that you are covered for something only to find out you are not when it's too late.

Before choosing your insurance, it is probably wise to make a note of exactly what you need cover for.

Firstly the caravan itself. You will need to give the insurance company the make, model and value of your caravan. Most insurers offer new for old but this is dependent on the age of your caravan. Basically new for old means that the insurer should give you the current market value of a new model of your caravan. If you cannot get new for old because of the age of your caravan, you may find that it might cost more to insure because of it's age. However, most insurance companies offer good discounts if you have fitted security devices to your caravan - the more the better! Ask the insurance company which devices need to be fitted to get a discounted rate.

Don't assume that just because you have taken out immediate caravan insurance you are covered for everything. You will find more often than not that there will always be something that is not covered. Accidental damage, storm and flood damage is often missing on basic policies.

Contents cover is a must-have. Don't assume that just because you shut all your windows and lock your door when you go out that your contents inside the caravan are safe. More often than not they probably are, but there is always a risk that they will not be. Check carefully what you need to cover and also check what your household insurance already covers. You may find that some items are already covered by your household insurance in which case there is no point in paying to cover them again.


Taking out an excess on your policy will lower the annual insurance cost. The more excess you are prepared to pay, the more your premium will be reduced.

Make sure you read your policy very thoroughly and if you are not sure of something, ask the insurance company to explain it. Also, read the exclusions and only take out a policy when you are completely sure that it is the right one for your needs. Always compare caravan insurance quotes before you buy.

One final note, always remember to follow your policy requirements. Always fit any security devices because if your caravan ever gets stolen or broken into and you have not fitted the security devices stated on your policy, or that you forget to switch on your alarm or tracking device, you might find that you have invalidated your insurance terms and will end up out of pocket.

If you would like to recommend some caravan insurance services, please contact us and we will add them to this page.

Remember, caravan insurance will give you peace of mind. If you are ever unlucky enough to have your pride and joy stolen, at least you will have the insurance money to buy another.