Freedom Caravan Insurance

Sometimes, because the value tends to be lower and manoeuvring damage is less common. It works the other way for theft, though, since a light van is easier to move, so the security you fit matters more.

A hitchlock and a wheelclamp as the minimum, used every time, and a tracker is worth thinking about. On a van that can be shifted by hand, the clamp is the device doing the most work.

That is usually the point of buying one, but check the car’s towing limit against the loaded weight rather than the unladen figure. A well-matched outfit is easier to control and produces fewer claims.

Less than a twin axle, but more than the size suggests. Modern light tourers carry real equipment, so insure for what an equivalent would cost today rather than for the footprint.

Yes, if you want it covered. Awnings take the worst of the wind whatever the van is attached to them, and they are frequently outside the standard contents figure.

It is a problem on every caravan, and it is excluded everywhere as a gradual loss. An annual damp check as part of the service is the practical protection regardless of the weight.

Yes, once declared. Light vans tour well and many owners do take them across, but the European section usually carries a limit on days, so check it before you travel.

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.

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.

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.

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.

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.

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.

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.

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.