How to set a correct insurance value for your caravan equipment

Published in Caravanning Top Tips on   - 4 Comments

How would you rate this article?

1 Star2 Stars3 Stars4 Stars5 Stars (No Ratings Yet)


  1. Colin WILKINSON says:

    I have a Lunar Clubman CK, which includes much standard equipment. Even so, ‘caravan equipment’ not included produces a significant list. On a new for old basis I reckon I need £2850 of cover for full insurance. I note your customers put an average value of £1042 on this equipment. Many of these caravanners will be significantly under-insured.

    • Hi Colin,

      Although under-insuring can be quite common with people who are unsure what kind of equipment falls under what category, it is easy to avoid. This article in particular is intended to get customers thinking about equipment value insured on their policy and to call us if they feel it could be worth adding additional items to their total sum insured.

      Many thanks


  2. Wendy Wood says:

    Our 2012 Swift Conqueror 530 came complete (from the manufacturer) with burglar/motion alarm, carbon monoxide alarm, smoke alarm, CD/radio, Alko wheel lock, electric hook-up, waste bin, refrigerator, mains polarity tester and TV digital aerial; should these be classed as additional items for contents or included in the value of the caravan?

    • Hi Wendy,

      Any security device that was fitted to the caravan when you bought it (such as the burglar alarm) would come under the value of the caravan. All the other you listed (waste bit, aerial etc) should be classed as caravan equipment.

      Remember caravan equipment as… Items that you ONLY use when caravanning, even if you might not keep those items in the caravan when it’s not been used. But not including fixtures amd fittings that were supplied as standard by the caravan manufacturer as these will be covered under the caravan insured value.


Leave a Reply

Why Choose us?
Defaqto 2015 Logo
Caravan insurance with a 5 Star Rating
Number 1 on ReviewCentre
Number 1 for service and value
RSA Logo
Reassuringly good cover from a leading insurer
Award winning customer service
Award winning customer service
Norton Secure online quotes
Safe and secure online quotes
Trusted family business since 1984
Confidence in a trusted family business
claiments rate our service as good or exceptional
Claimants rate our service as good or exceptional
Great value icon
Great value for money
Money back guarantee
Money back guarantee
NCC Logo
Member of the National Caravan Council
Heart Research Logo
Heart Research donation with every paperless policy
Plain English policy icon
Plain English policy and documents