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Caravan insurance is important to have in order to ensure that your caravan is covered for any costs that might be incurred by accidental damage or because of a fire, extreme weather conditions or theft.

For most caravan insurance policies, you would have cover for normal damage caused to your caravan due to fire, bad weather, flood, accidental or malicious damage and theft.

The possessions within your caravan will usually be covered up to a limit which will be predefined in your policy, and will usually be around 300.

The possessions cover is intended to cover items that would normally be left in the caravan, such as furniture, cutlery, curtains and so on. Normally money and credit cards, jewellery and other valuables are excluded and should be covered on the all risks section of your household contents policy.

Insurance is there for circumstances out of your control, however you do have a responsibility to take care of your property to the best of your ability, for example by locking the caravan up at all times you are away from it. There will be no cover if you leave it open or if you leave your belongings out in the open.

Similarly, if your caravan is stolen and it did not have a wheel clamp and hitch lock fitted, there will be no cover.

There may be different requirements for the security of your selected caravan site in order for your insurance to be valid. For example some insurers may insist that you park your caravan in a registered holiday park, whereas some may insist that your chosen destination in concealed by fencing or hedging around the boundaries.

If you wish to have you awnings covered for damage, then that is usually possible at a small extra fee, but usually depends on how old the awnings are. Typically, if your awnings are more than seven years old then insurance companies will not cover them.

This is only a breif summary of caravan insurance and is not intended to be representative of the covers or restrictions offered by any particular insurance or that all insurance provide the protection described. You can get a recommendation for insurance advice to suit your own circumstances or any of our other insurance products such as taxi insurance