Caravans and campervans are brilliant vehicles for family holidays and comfortable travelling experiences. Because they are sizeable and valuable vehicles, you will probably want to find great insurance to cover your caravan.
Here at Proper Finance, we are committed to helping you keep your caravan and the fond memories it contains safe and sound. We do this by pairing you with our responsible and trustworthy insurance specialists who can offer you thorough and affordable policies for your caravan. Even if your caravan is old, or if it has been repaired or remodelled, we are able to help you find a good rate on your vehicle.
If you own a trailer caravan that is towed behind your car, it may not need its own insurance cover. You will likely be able to cover your trailer on the car you use to tow it, as long as you are insured on that vehicle. Since trailers add value to the initial vehicle, you will need to get a combined insurance policy which can financially cover both your car and your trailer, or alternatively, you could get separate insurance for your trailer and its contents. It is a good idea to make sure that your cover includes public liability cover in case of any incident of your trailer causing any incidents on or off the road to a member of the public or property.
If you own a caravan that is not driven (a static caravan), you will not need motor insurance on it. Rather, you may look to get out contents insurance on your static caravan to protect your belongings within it.
The car’s registration number if you have it to hand. If not, the car make and model is fine. We’ll also need the car’s age and any modifications you’ve made
Details of your no-claims discount will help lower the price you are quoted. Use our no-claims discount tool to find out how many years’ no-claims discount your insurer will honour
Social, commuting or business, and how many miles you think you’ll do a year. You’ll also need to say where you’ll keep the car at night for security
The type of licence you have and how long you’ve held it. You can also add any additional driving qualifications you have here
Including your job, your age and your address
The cost of caravan insurance will vary depending on the model of your vehicle, the condition it is in, how much mileage it does and how many drivers you wish to be insured on it. Further, your driving history will play a part in the cost of your caravan insurance, although at Proper Finance we do provide insurance products tailored to convicted drivers.
In order to get vehicle insurance with one of Proper Finance’s trusted insurers, you must:
You will also have to hold a valid licence for the type of caravan you are wanting to insure. For example, for those with trailers, will have to hold a valid ‘B+E’ licence, and motorhome drivers will have to hold either a category C1 licence (for MAMs of 3.5 -7.5 tonnes) or a category C licence (for MAMs over 7.5 tonnes).
The following cover is available for caravans or motorhomes:
Storm or flood damage cover: If the event of a storm or flood damage, your vehicle can be repaired or replaced by your insurer.
Public liability cover: This provides compensation to the member of the public if your caravan accidentally causes damage to either their person or their property. If you get involved in an incident involving a member of the public, provided it was accidental, your public liability cover will pay for the subsequent costs.
Accidental damage cover: If your caravan is accidentally damaged, either by yourself, someone else or through some other means such as bad weather, it can be repaired or replaced by your insurer.
Theft or vandalism cover: Should your trailer caravan be stolen or vandalized, your cover will provide replacement or compensation for the damage done.
Family and friend cover: You have the opportunity to add friends and family to your insurance policy so that they can assist in the driving responsibility on trips, weekends away or for general use.
If you live in and drive a motorhome, motor insurance will not be sufficient on its own to protect your assets. Because you live in your motorhome, you will also require buildings and contents insurance to cover any damage to the exterior of your motorhome and all of your valuables inside the vehicle. Just as you would get insurance on a house and the items within it, it is important to treat your motorhome the same way. The difference is that additional motor insurance is needed to cover you when you are driving your motorhome.
Getting great caravan insurance is easy with Proper Finance. Simply fill in a few of your details using our online form and you will be contacted by one of our trusted insurance partners. They will assist you every step of the way, helping you get a competitive quote for your vehicle and insured as effectively and quickly as possible.