Where can I find caravan contents insurance?

When people purchase a caravan, it becomes more than just that, it’s a home away from home, a place for holidays and somewhere to feel relaxed and comfortable. So, it’s no surprise that people often kit out their caravans with appliances, clothes and high-quality furniture to make the space feel welcoming. 

And these creature comforts don’t usually come cheaply, after all, just a few kitchen appliances could set you back over £1,000.  

So, what do you do if something should happen to your caravan, like a fire or flood that means its contents is either lost or damaged? Well, one answer to the issue is caravan contents insurance.  

In this article, we’ll help you understand more about caravan contents insurance and where you can purchase a policy. Including: 

• What is caravan contents insurance? 
• What does caravan contents insurance cover? 
• Where can I find caravan contents insurance? 
• Should I consider a comprehensive caravan insurance policy? 
• Is caravan insurance worth it? 

What is caravan contents insurance? 

Caravan contents insurance is a type of insurance policy that will protect you financially should something unexpected happen to the contents of your caravan.  

When you take out caravan contents coverage, you’ll typically pay either a monthly or annual premium. Then, should an unexpected event occur, you can claim the policy.  

If your claim is accepted, your insurance provider will then cover the cost of repairing or replacing the damaged items.  

However, there are usually restrictions to this type of cover. For example, most insurers will outline a maximum coverage amount and any repairs or replacements above this will not be covered. As a result, not all claims will be accepted. 

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Also see: Is caravan insurance worth it?

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What does caravan contents insurance cover? 

The exact features of a policy can differ depending on the provider you choose and the policy you pick. However, there are some common features of caravan contents insurance. 

Typically, these types of insurance policies protect against: 

• Theft 
• Fire 
• Floods 
• Malicious damage 

The policy will usually then offer financial compensation for the replacement or repair of items, such as: 

• Clothing 
• Electrical appliances 
• Furniture 

Where can I find caravan contents insurance? 

Finding caravan contents cover should be simple, once you know where to look.  

Fortunately, there are dozens of providers offering this type of coverage online and you should be able to find a range of policy options with a quick Google search. 

Most insurers will also offer you a free, no-obligation quote before you make a purchase so you can weigh up your options.  

However, it’s important to note that you should consider your specific needs before deciding on a policy to purchase as not all coverage is the same. 

Should I consider a comprehensive caravan insurance policy? 

Caravan contents coverage can be very beneficial should an unexpected event damage your property. However, it’s not the only thing you might need to insure against.  

When it comes to a flood, fire or malicious damage, more than just your caravan’s contents could be affected. That’s why so many comprehensive caravan insurance policies offer a range of features. 

Caravan insurance will usually cover events such as: 

• Fires  
• Lightning  
• Explosion  
• Earthquake  
• Storm  
• Flood  
• Accidental damage  
• Malicious persons 
• Vandalism  
• Theft or attempted theft 

And, in addition to contents coverage, caravan insurance may offer public liability coverage (protection should anyone be injured in your caravan) and loss of use cover (coverage for alternative accommodation if your caravan becomes unexpectedly unusable). 

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Also see: Does caravan insurance cover storm damage?

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Is caravan insurance worth it? 

Caravan insurance isn’t a legal requirement, so no one can tell you it’s something you need to purchase. 

However, purchasing a policy could be considered worth it for many reasons, such as how much money you could save in the long term.  

While it’s true you will have to pay a monthly or annual fee to benefit from a policy, the amount you’d have to pay for potential repairs and replacements could far outweigh your premiums. 

For example, without insurance, repairing dampness caused by flooding could cost you up to £225 per repair (Checkatrade, 2023), and that’s without considering any other damage flooding could cause. With an annual insurance cost of £65 +IPT (Save More Money, 2024), taking out a policy could actually save you up to £160 per claim.