As your Caravan insurance may be a substantial financial commitment it is important that you make the right choice. It is also important that you speak to people who know abou touring caravan insurance and not just a computer operator with little or no insurance experience. For first class advice from Caravan insurance advisors with many years experience complete the online quote form and we will contact you or telephone our office if you would like to speak with someone.
Our Company philosophy is to offer the personal approach, high levels of service and a competitive product range.
We will happily offer our advice and guidance on all Caravan Insurance matters and always take time to make sure you fully understand any issues that you have raised. Our staff will also assist if you are unfortunate to suffer a claim or just wish to enquire about a possible alteration to your policy.
We have a very successful Caravan insurance scheme and the vast majority of our business comes from recommendations – enough said.
Explanation of Caravan Insurance Cover
Comprehensive cover all year round whilst you are touring in the caravan or whilst the caravan is stored. New for old cover available for caravans aged 5 years or under.
Motorplus cover is also included and a huge benefit under this policy. This is unique to MCIA and includes a hire caravan in the event of a non-fault accident in the UK, plus a hire car, even if your car is not insured with ourselves .
Caravan Cover
Loss or damage by accident, fire, theft, vandalism, storm or flood, which occur within the territorial limits. Also included under this section is cover to all the fixtures and fittings including the Refrigerators, Gas Bottles, Awnings, Toilet Tents, Batteries, Stabilisers, Wheel Clamps, Balconies and Generators, so remember to include the replacement value for these items within the caravan value. Following damage and repair to the caravan in the UK, the caravan will be delivered to the Insured within the British Isles or to the risk address shown on the schedule (ie returning the caravan to its usual place of storage). Following damage abroad and if the caravan is repairable, subject to reasonable costs the caravan will be repatriated to the UK.
Contents Cover
Loss or damage by accidental damage, fire, theft, vandalism, storm or flood, which are within the territorial limits. Cover for personal effects such as clothing, luggage and general household goods, including portable television sets whilst contained within the caravan and belonging to the Insured or members of his family. Single article limit of £300 applies.
Security/Storage
Due to the increase of caravan thefts over the last few years, the stipulation of the policy is that a wheelclamp and hitchlock must be fitted. Caravans kept at home or at a caravan storage compound are acceptable if there has been no previous claims at the risk address. Caravan storage compounds must have acceptable security ie; locked gates, a minimum of 10 caravans stored at the compound, secure perimeter fencing (minimum 4ft) such as palisade/metal fencing/stone walls/hawthorn hedging to all boundaries. Details of previous caravan losses at the secure compound must be obtained and referred to us. Working farms and separate businesses operating from the storage compound are unacceptable.
Material Facts
This is information which would be likely to influence the insurers in their acceptance and assessment of an application for insurance cover. As it is extremely important that your insurers are aware of all material facts, if you have doubts as to whether a fact is relevant or not, you should disclose it.
If you wish to discuss anything we will be pleased to talk to you.
Claims Service
A designated team is available to assist you and arrange for the claim to be settled promptly and efficiently.
Policy ExcesS
The excess applicable under our Caravan Insurance scheme is £50 per claim.
Please note that this is only a brief explanation for each of the covers available. Please read the policy booklet for full details in respect of each form of cover and excess that may apply.
All covers are subject to exclusions. It is necessary for you to read the policy document to be aware of the exclusions imposed by the particular insurer. We always advise you to read the Insurance Policy fully so you may understand what you are, and are not, covered for.
