Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@. Skimlinks & other affiliated links are turned on

Search
  • FIRST POST
    • Former MSE Sam M
    • By Former MSE Sam M 30th Jun 16, 2:25 PM
    • 238Posts
    • 159Thanks
    Former MSE Sam M
    Guide discussion: Caravan insurance
    • #1
    • 30th Jun 16, 2:25 PM
    Guide discussion: Caravan insurance 30th Jun 16 at 2:25 PM

    Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.
Page 1
    • duoszle
    • By duoszle 17th Aug 16, 10:06 AM
    • 2 Posts
    • 1 Thanks
    duoszle
    • #2
    • 17th Aug 16, 10:06 AM
    • #2
    • 17th Aug 16, 10:06 AM
    Just renewed caravan insurance, surprised to find no one could beat my renewal quote from Peacock Insurance (broker), not even any of the comparison sites. Also, when I haggled they knocked off another £20. Good advice and guide from MSE, don't buy a caravan without insurance.
    • forgotmyname
    • By forgotmyname 17th Aug 16, 1:40 PM
    • 29,582 Posts
    • 12,172 Thanks
    forgotmyname
    • #3
    • 17th Aug 16, 1:40 PM
    • #3
    • 17th Aug 16, 1:40 PM
    No mention of the Caravan and Camping Club?
    Punctuation, Spelling and Grammar will be used sparingly. Due to rising costs of inflation.

    My contribution to MSE. Other contributions will only be used if they cost me nothing.

    Due to me being a tight git.
    • Kevin Draper
    • By Kevin Draper 17th Aug 16, 6:56 PM
    • 13 Posts
    • 15 Thanks
    Kevin Draper
    • #4
    • 17th Aug 16, 6:56 PM
    Caravan value
    • #4
    • 17th Aug 16, 6:56 PM
    I would advise check the value of your caravan before renewing eg look for price for similar year & condition. This has a direct relationship to your premium and is pointless insuring for more than the insurer would pay out for total loss. Renewal advisers assume same value as last year which is unlikely. I found AA was much more competitive than online comparison sites or CC/CCC. It's also a very good policy covering accidents too.
    • wallacehome
    • By wallacehome 22nd Aug 16, 3:04 PM
    • 9 Posts
    • 1 Thanks
    wallacehome
    • #5
    • 22nd Aug 16, 3:04 PM
    A cautionary tale on "new for old" policies
    • #5
    • 22nd Aug 16, 3:04 PM
    just a note to let people know to be careful when taking out a "new for old" policy on a caravan. When the insurer asks you how much the caravan is worth you need to tell them the brand new LIST price of the caravan, not what you actually paid the dealer. So if you buy a caravan with a list price of £20k but the dealer gives you a £5k discount as it's 'the last of last years model' you need to insure it for £20k. If in doubt ring the insurer and tell them you don't know how much the list price is, the onus is then on them to work out the full retail price. I found out the hard way when I only got "market value" for my caravan when we wrote it off, my complaint went all the way to the ombudsman but we lost. Caravan insurance is often very vaguely worded in my opinion and it's very easy to take out an expensive policy which the insurer will never pay out on.
    • renard
    • By renard 31st Aug 16, 9:22 PM
    • 147 Posts
    • 98 Thanks
    renard
    • #6
    • 31st Aug 16, 9:22 PM
    Static mobile home on holiday park
    • #6
    • 31st Aug 16, 9:22 PM
    Ours isn't a towing caravan but a 'mobile home' caravan on a seaside holiday park. The insurance premium is pretty hefty but I can't find anyone more competitive. Many companies insist that the van is anchored to the ground at all four corners, which we neither have nor need.
    Please can anyone recommend a reasonably priced but trustworthy insurance company?
    • dacouch
    • By dacouch 31st Aug 16, 9:39 PM
    • 20,761 Posts
    • 12,859 Thanks
    dacouch
    • #7
    • 31st Aug 16, 9:39 PM
    • #7
    • 31st Aug 16, 9:39 PM
    Ours isn't a towing caravan but a 'mobile home' caravan on a seaside holiday park. The insurance premium is pretty hefty but I can't find anyone more competitive. Many companies insist that the van is anchored to the ground at all four corners, which we neither have nor need.
    Please can anyone recommend a reasonably priced but trustworthy insurance company?
    Originally posted by renard
    Try asking neighbooring owners who they're insured with and also try brokers in your local town.

    The not being anchored to the ground can be a deal breaker with most Insurers, is it not possible for you to arrange the anchoring
    • Kevin Draper
    • By Kevin Draper 23rd Aug 17, 4:07 PM
    • 13 Posts
    • 15 Thanks
    Kevin Draper
    • #8
    • 23rd Aug 17, 4:07 PM
    Caravan size limit on breaskdown insurance
    • #8
    • 23rd Aug 17, 4:07 PM
    Most car breakdown polices cover you for breakdown when towing, but size limits vary, for example my caravan at 24 ft is too long for RAC.
    AA is still cheapest good quality caravan policy for 3rd year in a row for me. Only negative is they won't give you a valuation for what your van is worth, so check around first. Caravan Guard came close after haggling, and they DID give me a valuation.
    • forgotmyname
    • By forgotmyname 23rd Aug 17, 5:23 PM
    • 29,582 Posts
    • 12,172 Thanks
    forgotmyname
    • #9
    • 23rd Aug 17, 5:23 PM
    • #9
    • 23rd Aug 17, 5:23 PM
    24ft long, not an issue with arrival.

    And are you measuring the entire length including the A frame? Measure the body only.
    Punctuation, Spelling and Grammar will be used sparingly. Due to rising costs of inflation.

    My contribution to MSE. Other contributions will only be used if they cost me nothing.

    Due to me being a tight git.
    • Kevin Draper
    • By Kevin Draper 23rd Aug 17, 6:39 PM
    • 13 Posts
    • 15 Thanks
    Kevin Draper
    RAC breakdown
    Thanks, this is what I read in the RAC t&c for regular breakdown cover...
    “caravan”/”trailer” means any caravan or trailer that is less than (a) 3.5 tonnes; (b) 7.0 metres long including a tow bar; and (c) 2.55 metres wide; 24ft is 7.3 metres.

    I wanted a good "comprehensive" policy for my caravan, and regular breakdown cover for my car, which would cover me if I break down while towing.

    Arrival looks to be something different, more like a specialist caravan breakdown, as you say there is no length limit, BUT you have to be a member of the C&C club which I don't have a use for.
    • vallumlj
    • By vallumlj 7th May 18, 12:33 PM
    • 28 Posts
    • 2 Thanks
    vallumlj
    Is my insurance valid with a 101% kerb ratio
    Hi My car gross weight is 1932kg and the kerb weight is 1465kg and the max tow weight is 1600kg

    The caravan I like is 1483kg so this puts my kerb weight at 101% will this be legal for insurance?

    Thanks
    • forgotmyname
    • By forgotmyname 7th May 18, 6:46 PM
    • 29,582 Posts
    • 12,172 Thanks
    forgotmyname
    I would say you need a bigger car.
    Punctuation, Spelling and Grammar will be used sparingly. Due to rising costs of inflation.

    My contribution to MSE. Other contributions will only be used if they cost me nothing.

    Due to me being a tight git.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,768Posts Today

6,566Users online

Martin's Twitter