Archive for January, 2010

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Hi There

If you inform your insurance company that you have a caravan then your caravan will be insured under a fully comprehensive policy.
However, the fully comprehensive policy for your car will only cover the caravan for third party risks. (If your caravan causes damage to someone else property, the insurance company will only pay for the damage to the other persons property and not your caravan).

There are companies out there that supply policies to cover a caravan fully comprehensively, I have a policy myself as I tow caravans for a living and the premium for my policy on top of the car insurance is £975

Hope this helps


Our current home insurers say that if we site a caravan for letting, our home insurance will be invalid. Have tried many insurers and none will offer house insurance with additional public liability for letting caravan. Business insurers say they don't cover.. Caravan insurers say "only if on licensed park" There MUST be someone out there who has a static caravan sited on land adjacent to their home and who knows how to ensure that their home and their visitors are covered by insurance! Help!

OK, this is bizarre. By Caravan, do you mean "camper"? You've bought a camper, you want to rent it out?

You can buy the coverage for the camper itself, through Foremost or American Century - go to a local, independent agent, and ask if they'll do that. But the LAND it's on, will need a general liability policy, which will run you $750, minimum premium, IF there's no pool or lake.

Start with the agent that writes your house insurance, and if they can't do it, you'll have to move your business to an agent that CAN do it all - including the "good stuff", your house and car insurance. If you call an agent, and ask them to write the junk - the rental camper and a stand alone CGL policy, they'll tell you no - too much hassle, not enough commission to cover the time investment.

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