Cannot insure my caravan

PeterT7 replied on 27/10/2016 16:30

Posted on 27/10/2016 16:30

I am about to take delivery of a new-ish caravan which I am intending to use for work, instead of bed and breakfast. I have just tried to get a quote from the Caravan Club's own insurers, and also from Towergate, but both only offer 'Touring' insurance. Can anybody please offer advice on any insurers? Thanks.

Wildwood replied on 27/10/2016 20:17

Posted on 27/10/2016 20:17

As for insurance, you will be insuring a touring caravan so the CC cover, of any similar, should be appropriate. 

This is incorrect Frown I have told the insurance company of my intentions and they have replied that they will not insure me for any work-related activities.

Write your comments here... I would ring round the brokers who provide caravan insurance. You are looking at a specialist field which will not be available on the internet but the brokers should be able to arrange on a one off basis.

young thomas replied on 27/10/2016 20:35

Posted on 27/10/2016 20:35

As for insurance, you will be insuring a touring caravan so the CC cover, of any similar, should be appropriate. 

This is incorrect Frown I have told the insurance company of my intentions and they have replied that they will not insure me for any work-related activities.

In that case I stand corrected but will the van actually be used in connection with your work or will it simply be your accommodation? There is a difference.

agreed, i would ask Malcolm what he does as, in effect, he is working (and living/touring among a small number of sites) from his caravan....

m0rrisman replied on 27/10/2016 22:15

Posted on 27/10/2016 22:15

Ask the insurance company to define work related.  think you will find as being used as an office or similar not as you would use it.a place to commute from.

PeterT7 replied on 27/10/2016 22:30

Posted on 27/10/2016 22:30

As for insurance, you will be insuring a touring caravan so the CC cover, of any similar, should be appropriate. 

This is incorrect Frown I have told the insurance company of my intentions and they have replied that they will not insure me for any work-related activities.

In that case I stand corrected but will the van actually be used in connection with your work or will it simply be your accommodation? There is a difference.

agreed, i would ask Malcolm what he does as, in effect, he is working (and living/touring among a small number of sites) from his caravan....

Can you please point me towards Malcolm

PeterT7 replied on 27/10/2016 22:32

Posted on 27/10/2016 22:32

Ask the insurance company to define work related.  think you will find as being used as an office or similar not as you would use it.a place to commute from.

Sorry, they will only insure for touring purposes. So if I am not touring, which I am not if I am using it as a temporary home, then that is outside of their acceptancy policy.

DavidKlyne replied on 28/10/2016 00:36

Posted on 28/10/2016 00:36

Peter

Have you tried static caravan insurance as they are clearly kept in one place. Not sure the fact you are using it as a residence whilst working would be particulary relavent. An alternative might be to use an insurance broker.

David

ValDa replied on 28/10/2016 09:17

Posted on 28/10/2016 09:17

Ask the insurance company to define work related.  think you will find as being used as an office or similar not as you would use it.a place to commute from.

Sorry, they will only insure for touring purposes. So if I am not touring, which I am not if I am using it as a temporary home, then that is outside of their acceptancy policy.

Try our local broker, Frank Pickles Insurance - a small firm, run by real people with an interest in finding you just what you want from a policy.

If you are still keeping on your 'main home' then isn't there some poetic license, in saying that you are just 'touring' but having an extended stay on the same site????Wink

Oneputt replied on 28/10/2016 09:26

Posted on 28/10/2016 09:26

Peter, have a chat with malcolm, he lives full time in his van and works!  My brother lives full time in his motorhome (on the continent) and has never had a problem with insurance.  Don'ty know whether its still the case but he used to insure throught the other club!

 You could try Adrian Flux they are good and insure all sorts of vehicles and uses

young thomas replied on 28/10/2016 09:48

Posted on 28/10/2016 09:48

you could do as Malcolm does, ie 'tour' from just one site to another, stay 28 days, then 'tour' back again.....Happy

 he usually 'tours' from Worthing to Littlehampton then back again....also throws in a little Brighton for varietyWink

near Malvern Hills Club Campsite Member photo by Andrew Cole

Book a late escape

There's still availability at many popular UK Club campsites - find your perfect pitch today for a last minute trip!

Book now
Woman sitting in camping chair by Wastwater in the Lake District with her two dogs and picnic blanket

Follow us on Facebook

Follow the Caravan and Motorhome Club via our official Facebook page for latest news, holiday ideas, events, activities and special offers.

Photo of Wast Water, Lake District by Sue Peace
Visit Facebook