Touring caravan insurance FAQs

Our touring caravan insurance policy is designed to cover:

1. Physical loss or damage to the:

• Caravan Unit including fixed motor movers, fixtures and fittings, integral furniture and soft furnishings (such as upholstery, curtains and carpets), as well as appliances such as fridges, freezers and cookers.
• Awning, Equipment, Contents and Personal Effects

2. Loss of Use as a result of your unit being uninhabitable following a physical loss. Payments are available for:

• Hotel, motel or alternative accommodation or;
• The hire of a similar unit to continue your holiday and / or;
• The cost of recovering your contents and personal belongings to your home

3. Injuries suffered whilst you are on holiday with your caravan

4. Your legal liability to a third party as a result of using or owning your caravan.

5. Your No-Claims discount

(For full details please refer to the policy wording).

As the insurer will not pay more than the sum insured or limit of indemnity, it is important to ensure these are adequate to avoid the risk of receiving less than you expect in the event of a claim. Both the sums insured and limits of indemnity are set out in your evidence of insurance.

For further help or advice please contact us 01277 243060

“New for old” cover applies when your touring caravan and equipment are replaced (e.g. in the event of a total loss claim). You will be offered a new replacement unit (or the nearest equivalent) for the lost or damaged one. Any cash settlement would be on a “market value” basis – see below.

Club Care customers are able to choose “new for old” cover for units up to 10 years old, based on the date your caravan was manufactured.

Please note that if, at the time of the loss, the sum insured for your caravan is less than 90% of the cost of a new replacement or nearest equivalent, then the basis of cover reverts to “market value”.

Irrespective of the basis of cover chosen, the maximum amount insurers will pay is limited to the sum insured shown in your Evidence of Insurance. 

If you are in doubt as to the most suitable basis of cover, please contact us on “New for old” cover applies when your touring caravan and equipment are replaced (e.g. in the event of a total loss claim). You will be offered a new replacement unit (or the nearest equivalent) for the lost or damaged one. Any cash settlement would be on a “market value” basis – see below.

Club Care customers are able to choose “new for old” cover for units up to 10 years old, based on the date your caravan was manufactured.

Please note that if, at the time of the loss, the sum insured for your caravan is less than 90% of the cost of a new replacement or nearest equivalent, then the basis of cover reverts to “market value”.

Irrespective of the basis of cover chosen, the maximum amount insurers will pay is limited to the sum insured shown in your Evidence of Insurance. 

If you are in doubt as to the most suitable basis of cover, please contact us on “New for old” cover applies when your touring caravan and equipment are replaced (e.g. in the event of a total loss claim). You will be offered a new replacement unit (or the nearest equivalent) for the lost or damaged one. Any cash settlement would be on a “market value” basis – see below.

Club Care customers are able to choose “new for old” cover for units up to 10 years old, based on the date your caravan was manufactured.

Please note that if, at the time of the loss, the sum insured for your caravan is less than 90% of the cost of a new replacement or nearest equivalent, then the basis of cover reverts to “market value”.

Irrespective of the basis of cover chosen, the maximum amount insurers will pay is limited to the sum insured shown in your Evidence of Insurance. 

If you are in doubt as to the most suitable basis of cover, please contact us on 01277 243060.

If you select Market Value, you need to determine the cost of replacing your caravan and its belongings with a model of the same or similar specification, condition and age. To ensure you have bought enough insurance you should make sure the Sums Insured are at least as high as the replacement costs.

In the event of a total loss Insurers will pay the replacement costs and we calculate these by reference to information supplied by Glass’s Guide or any other recognised sources of information, such as the Internet. If you need assistance help is always at hand – simply call one of our friendly and knowledgeable advisers on 01277 243060 and they will be happy to assist. Market Value cover is available for all units regardless of age, value or origin.

If you opt for Guaranteed Value, we will base your Unit’s Sum Insured on the amount you paid for it. Should your caravan be stolen or become a write off following an insured incident Insurers will pay the equivalent of the Sum Insured provided you can produce a receipt or proof of purchase confirming the value at the time it was bought (which must have been within seven years). Guaranteed Value Cover is available on all caravans purchased from a recognised dealer in the UK.

If you are unable to produce this evidence then the basis of cover will revert to Market Value.

Yes - the policy covers the cost of any necessary repairs following loss or damage caused by extreme weather events such as a storm or a flood.

Yes, the Club Care policy covers all awnings designed as such and the following list provides examples accepted:

• full awnings which run the length of the touring caravan
• half awnings which only run half the touring caravan’s length, but always cover the door
• porch awnings which cover the door only
• canopies which have no sides
• sun canopies

It is important to ensure that you select a sum insured that is adequate.

Please note the policy does not cover awnings left erected and unattended for over 4 days.

Our policy wording defines “equipment” as “tents other than awnings (covered under a separate heading) but including toilet tents, gas bottles, batteries, security devices including wheel clamps, stabilisers, generators, satellite dishes, solar panels, aqua roll, air conditioning units, and motor movers that are not fixed to your touring caravan.

It also includes sports equipment in the form of camping lanterns, fishing rods, wet suits, surfboards and inflatable dinghies (not more than 14 feet in length).

Please remember to select an adequate sum insured to cover all your equipment, as the insurer will not pay more than the sum insured. If the amount you choose is too low, you might not receive the full amount of your claim.

The policy is designed to cover loss or damage to contents and personal effects belonging to you (and your family) whilst they are actually in the touring caravan or in the towing vehicle.

Typical items that can be covered include: bedding, linen, luggage, general household goods, portable television sets, audio equipment and personal possessions belonging to you or your family.

The policy does not cover any single item worth more than £300, items already insured elsewhere (e.g. under your home insurance policy), money or valuables such as jewellery, gold, silver, precious stones, watches, furs and cameras.

The policy cover automatically includes this useful extension.  If your touring caravan becomes unusable (or uninhabitable) following an insured incident, the insurer will contribute towards the reasonable costs of hotel or alternative accommodation, or to hire a similar, replacement caravan to enable you to continue your holiday. Cover is also provided if you are due to depart on a pre-booked holiday with your caravan and, despite all reasonable efforts, the repair (or replacement) cannot be completed by the planned departure date.

This provides for a maximum amount payable of 5% per week of your caravan unit’s sum insured, but is restricted to the total limit pre-selected (tiered benefit level from £500 - £3,500)

Yes – provided the caravan is used solely for leisure/holiday purposes and not for trade or business, or let for hire or reward. 

Although physical damage to your caravan is covered at all times, your legal liability is only covered when you are not towing. This is because such legal liability is normally covered under your motor policy. It is important that you (or your friends and family) should check with your motor insurers to ensure they know you are towing.

The Club Care policy gives you the option to choose the geographical area covered by your policy as well the number of days of European cover.

You can choose to cover incidents occurring in:

• the United Kingdom only (including transit to and from the Channel Islands and/or the Isle of Man) or
• Europe as well as the United Kingdom

If you choose to have European cover you can further choose the length of time you would like to be covered on any caravan holiday in Europe (180 days, 240 days or up to 365 days).

We define Europe as being “any country that is a member State of the European Union, Andorra, Croatia, Faroe Islands, Gibraltar, Liechtenstein, Monaco, Norway, San Marino, Switzerland and Vatican City and transits between those areas”.

Please refer to the “Period of cover and territorial scope” section within your “Evidence of Insurance” policy document, to ensure the number of days cover for incidents occurring outside the United Kingdom meets your caravanning needs. If you need insurance for countries not listed in your Evidence of Insurance, or for periods greater than set out in your Evidence of Insurance, please contact us on 01277 243060 for a quote.

The “Liability to the Public” section of the policy covers you for your legal liability (and your family or your legal representative) for causing accidental death, bodily injury or illness to a third party, or accidental damage to a third party's property - arising from the ownership and use of your caravan.

You simply need to select the “limit of indemnity” i.e. the maximum amount insurers will pay for any one third party claim, including legal costs (from £1 Million up to £5 Million).

Please note this policy excludes third party injury or damage caused while your touring caravan is being towed. Third party liability cover is a legal requirement for all motor vehicles (as outlined in the relevant road traffic legislation). It is prudent to check with your current motor insurance provider to ensure they permit the towing of a caravan under their third party liability section.

Motor insurance will not provide cover for the loss of or damage to the actual caravan itself, or property contained in or on the caravan. However, these aspects are covered under this policy – hence the importance of having quality caravan insurance cover such as that provided by Club Care Insurance.

We are one of the few specialist insurance providers to offer this voluntary, optional cover.

If you have been claims free for 4 years or more you are eligible for this cover. Once included, insurers will reinstate the loss of any No Claims Discount following a claim. At renewal you continue to benefit from the No Claims discount as if the claim had not been made and insurers will continue to offer this cover for further periods on condition you do not make any more than 2 claims in any 3 year period.

No claims bonus protection is available for only £10.50.