Touring Caravan Insurance Exclusions
There are usually exclusions to a touring caravan insurance policy. They may differ from policy to policy, so you will have to read your policy details carefully to work out what applies to you and what doesn’t but we’ll look at some common exclusions here.
You may well not be allowed to take up permanent residence in your caravan. You may also not be allowed to use the caravan for business purposes. That would include using it to sell food from, or using it as a workshop for a craft etc.
General wear and tear will not be covered either. That overall degrading of the caravan over time, so for example you couldn’t make a claim if your caravan went rusty. When your caravan finally stops being roadworthy due to just being old, then you won’t get a payout from the insurance company. It’s the same as with your car insurance or home insurance. You will probably also not be covered for the breakdown of the caravan itself, or faults with any of the electrics etc. within the caravan.
You may well not be covered for damage caused by pests. If you have an insect infestation, or your contents get nibbled by mice or rats, they will likely not be covered. Your caravan insurance will most likely also not cover you for damage done by a domestic pet, but in the case of dogs, owners are liable for any damage caused by their pet, so if someone else’s dog damages your caravan, then you are entitled to file a claim against them. If they have liability insurance included as part of their pet insurance policy then they should be able to claim against their own insurance to pay you your compensation. I guess it depends on the extent of any damage whether this is worth your while.
You will not be covered for theft of the contents of your caravan unless there is evidence of a forced entry. This means it is extra important for you to lock the doors and windows whenever you leave the caravan. Even if you’re not leaving the site it’s not worth risking it. It only take two minutes for someone to spot you haven’t locked the door and to nip in and steal your valuables. Also try not to keep too many high value items in your caravan. Often caravan insurance doesn’t cover valuables anyway such as cash, jewellery or mobile phones.
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