Buying Caravan Insurance: Questions Worth Asking

A cheap quote looks good until the thing you need is not covered. Read the policy wording. Ask your questions before you hand over the money.

This is general guidance, not a recommendation of an insurer or a policy. Cover depends on the documents and your circumstances.

Describe how you actually travel

Tell the insurer where you store the van, how you use it and whether you plan gravel roads or remote tracks. Ask about any restrictions on roads, locations or unattended storage.

Declare modifications and accessories. Do not assume that a new battery system, awning or annex is included because it is attached to the van.

Compare the settlement basis

Ask how the van's insured value is worked out and what happens after a total loss. Read the excesses, limits and exclusions, rather than comparing only the premium.

Who chooses the repairer? How are repairs authorised, and what must you do before arranging work? Get important answers in writing.

Check contents separately

Your belongings may have different limits from the caravan itself. Ask about portable electronics, tools, camping gear and valuables, including any individual item limits.

Make an inventory and keep photos and receipts somewhere you can access if the van is damaged or stolen. Check what security measures the policy requires.

Know your responsibilities

Read the maintenance, disclosure and claims requirements. Ask how towing outside rated limits or travelling on excluded roads affects cover. Do not assume every insurer handles it the same way.

If a term is unclear, ask the insurer to explain it before taking out cover. Keep the current documents handy when travelling.

Looking at off road caravans? Check intended use with the insurer first. Contact Sunrise for the van's documented specifications, not insurance advice.