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Topic: Is your caravan insured?

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iank01

12/1/2014 at 11:23am
Location: Worcestershire
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Although caravan insurance is not mandatory, I was wondering how many people do not bother to insure a caravan even if the value is as low as £1000?
Recently there was as fire in a caravan storage area near Tewkesbury and many caravans were lost. Quite a number of the caravans lost were not insured even though they were high value items.
Our friends who normally store there told us yesterday that their site neighbour had lost his £22,000 caravan which was not insured.
We have always insured our caravan even though our first one was only valued at £1500. Is there a reason why many people prefer not to insure caravans?

JTQU

12/1/2014 at 11:40am
Location: Hampshire
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Yes we always have though I can see the temptation on not insuring a £1000 caravan. I suspect if that is all you can afford to own, then taking a hit is as hard on you as anyone.
Where it worries is not the direct loss, that I will cringe but it will not change my life, but possible third party claims where personal injury is involved very well could. For example if it breaks free on tow and causes injury to others; then there will be compensation charges that could potentially wreck our lives. Plus, I would like to think those injured get well compensated, something we could not always fund from our assets.

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feeblecat

12/1/2014 at 12:12pm
Location: Scotland
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We have insured all our vans, even our current 20 year old van. If anything happened to it, say fire, we would still have to replace it and all its contents, dont mind paying £70 per year. And didnt mind paying a couple of hundred for our newer vans in the past.

Bob61

12/1/2014 at 12:22pm
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If I had a £22000 caravan I think I would be tempted to insure it but the caravan I used to own was worth less than £300 and I didn't insure it.

Take a look at your car insurance because mine covered the caravan whilst being towed or parked up and still attached to the car. I hadn't actually thought about whether I would be insured if the caravan broke free while under tow. I have a feeling I was covered for any accident while towing.

I felt that the cost of insuring it wasn't worth it for £300 and I couldn't think of any scenario whereby insurance might be required when in storage or on site, the only exception being if it slipped it's brake and careered off down the campsite bowling over everyone and everything in it's path but I thought that was highly unlikely with the steadies down.

Jack+Jon

12/1/2014 at 12:55pm
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If I ebayed my caravan I guess I might get £300 so no I don't bother with insurance & 4th season with it this yr so I guess I'm in pocket. I'd insure anything worth more than £1000odd but usually ins. co's idea of what caravan is worth is somewhat less than owner's.

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Jack+Jon

12/1/2014 at 12:59pm
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Quote: Originally posted by Bob61 on 12/1/2014
I couldn't think of any scenario whereby insurance might be required when in storage or on site, the only exception being if it slipped it's brake and careered off down the campsite bowling over everyone and everything in it's path but I thought that was highly unlikely with the steadies down.

This is a common misconception that has been discussed before on here. Ownership in itself does not make the owner liable for damage caused. If your caravan handbrake was released by vandals for example & it rolled away causing damage, you as the owner would not be liable.

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VangoMan02

12/1/2014 at 1:00pm
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I have always insured every caravan I have had.

I think around £1000 value is still worth insuring for all it would cost.
If you can afford to replace the caravan and probably several hundred pounds worth of gear should it be written off, stolen etc in time for your next holiday then good on you.

The other point raised by someone, what if your van goes on fire and writes off the £22,000 caravan next to you and he wasn't insured. I would think they would be chasing you for the £22,000.

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Jack+Jon

12/1/2014 at 1:11pm
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Quote: Originally posted by VangoMan02 on 12/1/2014
The other point raised by someone, what if your van goes on fire and writes off the £22,000 caravan next to you and he wasn't insured. I would think they would be chasing you for the £22,000.

They would fail, liability has to be proved. You as the owner would have to be proved directly responsible & unless you admitted arson they could not. If the caravans caught fire on a storage site then no case at all. It would even be difficult to prove where the fire actually started.

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millermicm

12/1/2014 at 1:21pm
Location: west country
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This raises another issue - is it actually insured whilst on your storage site (or sited on a seasonal pitch). Have you told your insureres and does the site meet their criteria for leaving it unattended?

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flufftec

12/1/2014 at 1:27pm
Location: Blackwood
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my caravan is worth less than £1000 but for the sake of £7 a month i dont see why I wouldnt, I couldnt afford to give away £1000 so thats how I look at it, our friend hasnt insured theirs as they say they cant afford it, nothing has happened to either yet but why chance it

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lshipley

12/1/2014 at 1:30pm
Location: Barnsley
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My insurance for a £1500 van + £500 awning + £500 for motor mover + £1000 accessories is only £80 so definitely worth that small pay out for peace of mind. Don't think people realise how cheap it is.

cugsy

12/1/2014 at 2:06pm
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I was laughed at by a friend when I said I was insuring a £1200 'van. But for £67 a year for the caravan,contents and awning its a no-brainer. Everything else is insured so the peace of mind at insuring the tin whale makes me sleep happier.

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iank01

12/1/2014 at 2:25pm
Location: Worcestershire
Outfit: Buccaneer Cruiser

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Quote: Originally posted by Jack+Jon on 12/1/2014

Quote: Originally posted by VangoMan02 on 12/1/2014The other point raised by someone, what if your van goes on fire and writes off the £22,000 caravan next to you and he wasn't insured. I would think they would be chasing you for the £22,000.

They would fail, liability has to be proved. You as the owner would have to be proved directly responsible & unless you admitted arson they could not. If the caravans caught fire on a storage site then no case at all. It would even be difficult to prove where the fire actually started.

I am not sure why you are thumping the drum about the "owner" needs "to prove" etc. The owner needs to prove nothing if they are insured as they leave it to the insurance company to fight it out for them.
That is one of the reasons why it is always best to insure the caravan as court costs could escalate beyond the cost of the caravans involved.

iank01

12/1/2014 at 2:26pm
Location: Worcestershire
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Quote: Originally posted by Jack+Jon on 12/1/2014

Quote: Originally posted by VangoMan02 on 12/1/2014The other point raised by someone, what if your van goes on fire and writes off the £22,000 caravan next to you and he wasn't insured. I would think they would be chasing you for the £22,000.

They would fail, liability has to be proved. You as the owner would have to be proved directly responsible & unless you admitted arson they could not. If the caravans caught fire on a storage site then no case at all. It would even be difficult to prove where the fire actually started.

As a matter of interest, how long have you worked in the insurance industry?

VangoMan02

12/1/2014 at 3:48pm
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Not sure who your question is directed at.

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Babyfish

12/1/2014 at 4:21pm
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I pay £10 a month. My caravan cost me £1800 and obviously there are bits of value inside it. I could not afford to replace it if anything happened hence the insurance.

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