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BrianC



Member Since: 15 Apr 2009
Location: central belt
Posts: 1429

Scotland 
Caravan insurance

Do any of you insure your caravan ? If so who with and does it cover theft and damage if say you have a bump while towing.

Post #253616 9th Apr 2014 9:35pm
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47p2



Member Since: 05 Oct 2010
Location: Gone Beyond, Subaru
Posts: 8048

Scotland 

Is that not covered under the car's insurance?

Post #253622 9th Apr 2014 9:59pm
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BrianC



Member Since: 15 Apr 2009
Location: central belt
Posts: 1429

Scotland 

No. You are insured to be towing but the trailer/ caravan is not insured.
The insurance is more for theft from the house or site

Post #253623 9th Apr 2014 10:02pm
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mzplcg



Member Since: 26 May 2010
Location: Warwickshire. England. The Commonwealth.
Posts: 4029

United Kingdom 2014 Range Rover Vogue SE SDV8 Corris Grey

Yep. Mine's insured with The Caravan Club. Costs a couple of hundred quid a year but covers everything up to and including total loss, either through my own fault or someone else's.

You can choose whether (and how much) contents cover you want as well which is nice. Most insurers do this but when you consider than if the thing gets stolen you have to replace all the contents right down to the cutlery you would need at least 500 quid to do that, more if you keep the awning in the van like I do.

The other nice things about The CC are that they don't insist on a tracker and they also offer new for old replacement. Not the cheapest, but then quality rarely comes in at the lowest price.

Post #253647 10th Apr 2014 7:27am
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IanV8



Member Since: 14 Jan 2010
Location: Dunfermline
Posts: 502

Scotland 2011 Range Rover Vogue SE TDV8 Santorini Black

As mzplcg says.

Post #253661 10th Apr 2014 9:01am
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BrianC



Member Since: 15 Apr 2009
Location: central belt
Posts: 1429

Scotland 

I've a had a quote from the caravan and camping club and it's £1018 but with discount etc it's £500. Seems expensive

Post #253678 10th Apr 2014 9:51am
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mzplcg



Member Since: 26 May 2010
Location: Warwickshire. England. The Commonwealth.
Posts: 4029

United Kingdom 2014 Range Rover Vogue SE SDV8 Corris Grey

Brian, it depends a lot on what you're covering, at what level and with what excesses.

For reference mines a 2012 Coachman Laser twin axle. New for old value replacement until it's 5 years old, about 27k ish.
Contents of £2000 to include Isabella awning.
Security is Alarm, Al-Ko Wheel locks (all 4 wheels), secure storage facility and £100 excess.

I pay £32 a month so it's on continuous renewal and I've never had to claim.

I do know the storage location makes a difference as most stolen vans are taken from driveways etc. Using a secure storage facility with a good reputation does help reduce the premium. I also have a Phantom tracker fitted but never renewed the subscription as it was £99 a year, or an extra £15 a year on the insurance premium to not have it active. I chose the cheaper option.

Basically, the more you can reduce their exposure to risk, the lower the premium gets. Standard insurance underwriting methods really.

Hope that helps a bit.

Dom.

Post #253695 10th Apr 2014 11:45am
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Andy3681



Member Since: 13 Jan 2012
Location: Newcastle under lyme/ Le Dorat Haute Vienne
Posts: 912

United Kingdom 2005 Range Rover Vogue Td6 Cairns Blue

Try E&L
bit cheaper than the Caravan Club I used them for years when I had the van, made a couple of claims never had a problem but if you want good service at a price I believe the Caravan Club is very good. Mine was a blue one! Smile

Post #253697 10th Apr 2014 11:51am
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n1cktdv8



Member Since: 19 Aug 2013
Location: Cheshire
Posts: 1754

2008 Range Rover Vogue TDV8 Stornoway Grey

CC new for old on mine, having seen it in use with a friend and how goo they were I am happy to paya small premium on other insurers. Is this where I put the car details and a bit about myself ?........

Post #253702 10th Apr 2014 12:07pm
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Trev18



Member Since: 23 Apr 2013
Location: North Manchester UK
Posts: 267

United Kingdom 2005 Range Rover Vogue SE Td6 Zambezi Silver

I have been with safeguard (AKA Swinton) for my Caravan Insurance for the last 5 years.. They do new for old, and give discounts for nearly everything mentioned above.. I pay about £250 on a 2009 Bailey Senator Indianna.. I pay more as it is new for old and my model is no longer available.. I insure it as if I was to get the equivalent brand new Bailey that has replaced the one I have.. I wasn't aware of this until they mentioned it that if I claimed, I would be out of pocket unless I raised the caravan value to match what the replacement would be..

Trev Current Cars
(Sold) Range Rover TD6 05 Vogue SE - 85k - Zambezi Silver - Black Leather..
Kia Ceed (4) 1.6 - 33k - Silver
Previous.
VW Golf 2008 2.0 SDI (With Add Ons) - 109k Silver
Vauxhall Zafira 2.2 Petrol SRI - with Ex Pack 32k -Turquoise (traded for the FFRR)

Post #253742 10th Apr 2014 5:08pm
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northernmonkeyjones



Member Since: 24 Mar 2012
Location: derby
Posts: 8479

United Kingdom 2016 Range Rover Autobiography SDV8 Santorini Black

Caravan club for me too.

Can get many discounts on it too especially if you use the alko wheel locks and if the caravan has an alarm.

I pay about 350 a year on a 2010 twin axle lunar. Worth a little premium as the service is very good by all accounts. There is nothing that can't be fixed with a hammer😜😜
FFRR 4.4 SDV8 Autobiography Santorini Black.
Fiat 500x 1.4 multiair Lounge 2015
2010 LR D4 Commercial 2.7 TDV6

Post #253916 11th Apr 2014 8:51pm
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