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Leisure insurance

Compass Caravan Insurance

cover for a Compass tourer, insured separately from whatever is pulling it

Cover for a Compass touring caravan in its own right. It answers for sudden damage, theft, storm and the contents carried, and it is rated on the value, the storage arrangement and the security devices fitted.

  • Built in County Durham
  • Practical mid-range values
  • Storage leads the rating
  • FCA authorised and regulated

Quick answerA Compass is a touring caravan and needs a policy in its own name. Compass is built alongside Elddis in County Durham and sits in the practical middle of the market, which means sensible values and a rating driven by where the van is kept rather than by the badge on the front. Tell us the van and the storage, and specialist UK brokers can come back with quotes.

Comparing with the sister marque? Our Elddis caravan insurance page covers those vans.

At a glance

Compass Caravans: Six Things Worth Knowing

Six things that shape what a Compass costs to insure.

It needs a policy of its own
The car covers towing liability only
Where it stands does the most
Graded site, yard or driveway
Locks are conditions once declared
And they are checked after a theft
Replacement cost, not purchase price
Values move both ways
Damp is never covered
Service history is the protection
Say if you tour abroad
There is usually a day limit

The basics

What Owning a Compass Means for the Premium

Compass sits in the sensible middle of the market, which keeps the sums manageable and puts the weight of the quote on the practical things: value, storage, security and who tows it.

The van itself

Make, model, year and berth.

What it is worth

Replacement cost today.

Where it is kept

A drive, a yard or a graded site.

Security fitted

Hitchlock, clamp, alarm, tracker.

Where you take it

UK sites, rallies or Europe.

Who tows it

Owners and anybody else permitted.

How it works

From the Details to a Compass Price

Getting a Compass caravan quoted takes a few minutes. The questions are about the van, the storage and the use, and honest answers to all three produce a price that holds.

  1. Tell us the make and model

    Year, berth and layout.

  2. Give a value

    What it would cost to replace.

  3. Describe how it is used

    Weekends away, long tours, rallies, a seasonal pitch or European trips.

  4. Compare what comes back

    Cover basis, limits and excesses.

What it covers

The Sections a Compass Policy Is Built From

The sections that answer for sudden damage to the van, what is inside it, and the awning if you add it.

The sections a Compass caravan policy carries
SectionWhere it sitsWhat to know
Accidental damageThe core sectionImpact, upset and mishandling of a Compass caravan
Fire, theft and vandalismIncludedSubject to the security you declared
Storm and floodIncludedThe commonest claim of all
Contents and personal effectsUsually a sub-limitSeparate from the van itself
Awning and annexeOften an add-onWind damage is the usual cause
European useAdd or confirmDays abroad are commonly capped
Liability to othersIncludedWhile pitched, not while towing

Check the contents limit. Awning gear, cycles, a motor mover and the electronics add up faster than owners expect, and the standard contents figure is often lower than the value actually carried.

What it leaves out

What a Compass Policy Leaves to You

A caravan policy is written around sudden, unexpected damage. These are the points where a Compass caravan falls outside it, and they are worth reading before a claim rather than during one.

Damp and water ingress

Gradual ingress is a maintenance matter, not an insured event.

Wear, tear and deterioration

Age, sun and use are not perils.

Theft without the security you declared

The hitchlock and clamp conditions are tested.

Anything left in an unattended awning

Awnings are not a locked space.

Use for letting or hire

Commercial use needs its own arrangement.

Gradual water ingress

The commonest reason a caravan claim is refused.

The Compass range

The Compass Vans People Insure

The Compass range covers the usual touring layouts, and the size and berth count matter more at the quote than the range name does.

Two berth tourers

Light and straightforward to store.

Four and six berth layouts

The heart of the range.

Twin-axle models

More value and more to protect.

Higher specification ranges

More to replace after a loss.

Used Compass vans

Where the value question bites.

Vans taken to Europe

Declared in advance.

Another marque from the same factory? See Elddis caravan insurance.

Who it suits

Who Tows a Compass

Compass tends to attract owners who want a straightforward touring van without paying for the top of the range, and the quotes reflect that.

Touring families

Holidays and long weekends.

First and second van owners

Often buying used.

Retired couples

Longer trips in season.

Twin-axle owners

Higher values and more security.

Continental tourers

Trips abroad, declared.

Seasonal pitch holders

One site through the year.

Looking at a sited unit? See static caravan insurance.

New or used

Insuring a Compass New vs Buying One Used

Whether the van is bought new or second-hand decides how a total loss would be settled, and that is worth deciding before the policy rather than after the claim.

Insuring a new Compass and a used one compared
NewUsed
Usual settlement basisNew for oldAgreed or market value
What the sum insured isThe purchase figureThe replacement figure
Where the risk sitsDepreciationUnder-insurance
What to check firstThe age cut-offThe valuation evidence

Want the bases set out? See caravan insurance.

Cost

Why One Compass Costs More Than the Next

The van, its value, where it is kept, the security fitted and the claims record. We do not print average premiums.

Why storage outweighs the badge

A touring caravan is stationary for most of the year. Where it stands, what stands around it and who can reach it decide the theft and weather exposure, and that is the biggest single factor once the value is known.

Why the towing arrangement is asked about

Who tows the van, how long they have been doing it and what they tow it with all feed in. Most caravan damage happens while manoeuvring rather than while parked.

What the quote is rated on

The main factors

  • The vanMake, model, year and berthBase
  • ValueReplacement cost, not purchase priceRate
  • StorageHome, farm yard or graded siteRate
  • SecurityHitchlock, clamp, alarm, trackerRate
  • Claims and useRecent years, and where you tourAdjust
Where it stands between trips does more to the price than anything else

Store it behind a barrier

The strongest single lever.

Fit the devices asked for

And use them every time.

Value it for replacement

Not for what you paid.

The conditions

Four Conditions Behind a Compass Policy

Every caravan policy carries conditions, and on a Compass caravan these are the ones that actually get tested. None is onerous; all are checked after a claim.

  1. Fit and use the security you declared

    A hitchlock and wheelclamp are conditions, not suggestions.

  2. Keep the CRiS registration current

    It is how a recovered van is identified as yours.

  3. Store it where you said you would

    A change of site is a change of risk.

  4. Keep the van serviced and damp-checked

    It will not create cover, but it protects one.

Quote checklist

Have This Ready Before Quoting a Compass

Have these ready and quoting a Compass caravan takes minutes rather than a morning.

Make, model and year

Make, model, year, berth and the CRiS number.

Value or replacement cost

What it would cost to replace today.

Where it is kept

A drive, a garage, a farm yard or a graded storage site.

Security fitted

Hitchlock, wheelclamp, alarm, tracker.

Who uses it

Owners, family and anybody towing.

Where you take it

UK only, or Europe as well.

Comparing

Two Compass Quotes, Compared Properly

Two quotes for a Compass caravan can look alike and behave very differently. These are the points that separate them.

How it would be settled

  • New for old, agreed value or market value
  • Where the age cut-off for new for old falls
  • The excess on the main sections

What else is included

  • The contents and personal effects limit
  • Whether an awning is covered
  • European use and any day limit

On this van specifically

  • Settlement basis on this van
  • Contents and awning limits
  • Storage and security conditions

Ask how a total loss would be settled. It is the question owners forget to ask. Unfamiliar terms are explained in our plain English jargon guide.

Cutting costs

Spending Less on Compass Cover

The levers are storage, security, an accurate value and a clean record. We publish no savings figures.

Move it to a graded site

Storage drives the price.

Fit a tracker

Recovery odds change the rating.

Keep the value current

Under-insuring costs more later.

Build clean years

A caravan bonus is worth protecting.

Service it and check for damp

History supports a claim.

Compare every renewal

This market moves a great deal.

Glossary

Compass Caravan Cover in Plain Words

The words that come up once a Compass caravan is insured in its own right.

New for old
Replacement with an equivalent new van, usually only while yours is young enough.
Agreed value
A figure fixed with the insurer in advance, common on older or restored vans.
Market value
What the van was worth the moment before the loss, which can disappoint.
CRiS number
The unique identifier that ties a touring caravan to its registered keeper.
Hitchlock
The lock over the coupling head that stops the van being towed away.
Wheelclamp
A device over the wheel, frequently a condition of theft cover.
Damp ingress
Water entering through seams or seals over time. Excluded or limited.
Awning cover
A separate section for the fabric structure attached to the van.
Storage site grade
How secure a commercial storage site is rated to be.
Excess
The part of a claim you pay. Compulsory and voluntary amounts add together.

Why MyMoneyComparison.com

Why Compass Owners Compare Through MyMoneyComparison.com

MyMoneyComparison.com is an FCA-authorised UK comparison service that introduces caravan owners to specialist brokers. We do not sell insurance and we do not give advice: the broker you choose arranges the policy. Using us is free.

1

One form, one caravan

Describe the caravan once, instead of repeating yourself to each broker.

0

Advice given

We are an introducer, not a broker. We do not sell policies and we do not recommend one insurer or product over another. Read our editorial policy.

FCA

Authorised and regulated

MyMoneyComparison.com Ltd appears on the FCA register under FRN 916241.

2013

Incorporated

A UK company since 2013. FCA authorisation is separate and later; the register carries its date.

Read our customer reviewsSee what people say about us on Trustpilot

FAQs

Compass Caravan Insurance FAQs

Answers on the towing car, new for old, storage, security devices and damp.

Is Compass the same as Elddis?

They come from the same factory in County Durham and share a good deal of engineering, but they are separate ranges with their own layouts and specifications. For insurance purposes each van is quoted on its own details.

Will my car insurance cover it?

Only third-party liability while the van is hitched and moving. Damage to the Compass, theft of it and anything that happens when it is unhitched all need cover of their own.

What does a caravan policy actually pay for?

Sudden damage to the van, theft, storm and flood, a limit for contents and usually liability while it is pitched. What it does not pay for is gradual deterioration, which includes damp.

What security is expected?

A hitchlock and a wheelclamp as the minimum, used every time the van is left, with more asked for on higher-value models. What you declare becomes a condition of the theft cover.

How should I value a used Compass?

On what an equivalent would cost to buy today rather than on what you paid. Values drift, and a figure that was right when you bought the policy is often short three years on.

Is the awning included?

Frequently not as standard. Awnings take the worst of the wind and are among the more common claims, so check whether yours is covered and at what limit.

Can I keep the van at home?

Plenty of owners do and insurers accept it. A graded storage site usually prices better, so if both are practical it is worth getting the two quoted side by side.

Does a caravan build its own no claims bonus?

Many insurers run one separately from the car. It is worth asking how it is earned and whether it can be protected, because one claim can undo several years of it.

Does my car insurance cover a Compass caravan?

Only for third-party liability while the caravan is hitched up and moving. Damage to the caravan itself, theft of it and anything that happens while it stands on a pitch or in storage all need a caravan policy of their own.

Is new for old worth having?

While the van is young enough to qualify, yes. It replaces a written-off caravan with an equivalent new one rather than paying what a used example was worth, and the gap between those two figures is usually considerable.

Why does storage matter so much?

Because a caravan spends most of the year standing still. Where it stands, and what stands around it, is the single biggest factor in the price after the value of the van itself.

Is damp covered?

Almost never. Water arriving gradually through seams and seals is treated as maintenance rather than a sudden event, and it is the commonest reason a caravan claim fails.

What security do insurers expect?

A hitchlock and a wheelclamp at the very least, used every time the van is left. On higher-value vans an alarm or a tracker is often asked for too, and whatever you declare becomes a condition of the theft cover.

Can I keep it on the drive?

Many owners do, and it is accepted, though a graded storage site usually prices better. What matters is describing the actual arrangement rather than the one you intend to move to.

Does the age of the van matter?

It does. Age decides whether new for old is available, it affects the parts position, and on older vans an agreed value is often the sensible route. It does not make a van uninsurable.

Who is covered to tow it?

Usually anybody you permit, subject to the terms, but check the age and licence conditions. Towing entitlement on the driving licence depends on when the driver passed, so it is worth confirming.

Ready when you are

Put the Compass to Brokers

Tell us about the Compass caravan and where it is kept. Specialist UK brokers can then come back with quotes. Free to use, with no obligation to buy.

  • Single and twin axle tourers, UK and European use
  • Free to use, no obligation
  • FCA authorised and regulated

Free to use · No obligation · UK brokers

About this page

This page explains UK Compass caravan insurance: cover for a Compass tourer, the practical questions an insurer asks about it, and why the towing car does not answer for the van. It is general information rather than advice. Policies differ between insurers, so read your own documents and put the questions raised here to your insurer or broker.

How we approached this page

  • Published UK caravan and holiday home policy summaries
  • Storage, security devices, settlement bases and European use
  • Financial Ombudsman material on motor insurance complaints