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Subject Topic: Insurance. Post Reply Post New Topic
PersonMike Logan
05/11/2014 at 6:23pm
 Location: South Yorkshire
 Outfit:  Camp Cot Bivi Bag and Tarp. View Mike Logan's Profile View Profile   Reply to Mike Logan Reply   Quote Mike Logan Quote  
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I have purchased a small teardrop caravan. What insurance do I need?. When not in use the teardrop is stored in my garage. In transit the teardrop is covered by my vehicle insurance. On site I use the normal security measures, wheel clamp and hitchlock etc. Any thoughts anyone?.


Personfife-bloke
05/11/2014 at 6:42pm
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Your not legally obliged to have insurance for it, but it is a good idea. Speak to any caravan insurer and they'll happily quote you.

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PersonOctavia4x4
05/11/2014 at 6:58pm
 Location: Harrogate Yorkshire.
 Outfit: Skoda Octavia 4x4 & Compass Omega 482 View Octavia4x4's Profile View Profile   Reply to Octavia4x4 Reply   Quote Octavia4x4 Quote  
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You car insurance only covers third party liability, not any damage to your caravan. Example, your caravan damages other property while been towed, car insurance covers other party's damage but not any damage to your caravan, so you need caravan insurance to cover that.

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Skoda Octavia Estate 2.0TDi 4x4 (2012) towing a Compass Omega 482 (2014)


PersonScreen2
06/11/2014 at 7:39am
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As stated, no legal requirement for separate caravan insurance in UK so if teardrop is only worth a few £100s then probably not worth it but most owners of old caravans worth not a lot who do insure usually pay around £70/pa. Its possible with a home built teadrop insurance would be difficult/impossible to obtain anyway or might involve getting an engineer's report.



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