It’s worth checking the level of contents insurance included in your caravan insurance policy before deciding if you need both caravan and contents insurance.

That’s because many caravan insurance policies include cover for loss or damage to your unit and the contents contained within it.

‘Contents’ can include household goods, personal possessions, and clothing. Your policy wording will outline what isn’t covered and states a list of exclusions. For example, jewellery and motor vehicles are usually excluded.

Your caravan itself is covered on a ‘New for Old’ or ‘Market Value’ basis. New for Old means that whether it is lost, damaged beyond repair or stolen, we’ll source a replacement based on your caravan’s value when it was brand new.

If your policy includes Market Value cover, your caravan or belongings are replaced based on their value at the time of loss, theft, or when irrecoverable damage occurs.