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1st I would just like to introduce myself.This site has been recomended by a fellow user.I've been looking for ages and now plucked up courage to post.

My wife and I are buying a new to us caravan.It's a cat D insurance write off.It has been damaged by hailstones,but never been reparied.Cosmetic damage only.

How do we go about insuring it.I've spoken to a couple of insurances and they say they want a engineers report.But a friend has told me unless it's repaired I can't insure it.Does anyboy know about this.

Thank you in advance for any information.

Andrew

Many thanks for you're help.

Andrew

An engineers report is no problem, any caravan workshop would do that, for a smallish fee.

Theres no legal requirement to insure a caravan btw. All car insurances cover you for third party risks on caravan/trailer while towing. To get crash damaged repaired on the caravan it needs to be insured, but if you aint paying a great deal for the caravan it might not be worth the hassle to get it insured as you can still tow it, anyway.

It might be good to check with your car insurance tho to find out if you are covered for towing a written off caravan, you might not be.

Quote: Originally posted by dont do that on 06/4/2009

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It's £7000,it's a 2004 Elddis twin axle.A real good price because of the damage.I need to insure it.

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Got a similar situation with a hail damaged cat "D" caravan myself and have got a broker onto it at the minute.

It would seem that this is another type of underground insurance paranoia, I really dont see the issue the insurance companys have, all is want is third party fire an theft on a caravan that has lots of little dents on it, and I dont expect them to cover it for 10k any more just 3k if someone nicks it or it sets on fire, which is its actual value...they said so, because thats what they charged me to buy it back off them.

As for certificates a cat "C" needs an engineers report as wiith a cat "C" car, cat "D" do not need anything as with a car, not even an MOT (unless it has ran out or did not have one in the first place) if a vehicle was damaged in a way that it could be cosidered unradworthy it would be catagarised as a cat "C"

I'll let you know if the broker comes up with something.