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    Does My Caravan Need Insurance?

    When it comes to car insurance, that is a requirement by law. But what if you’re towing a caravan, or have one in a fixed location? It can be difficult to know whether or not a caravan needs to be insured, especially if you’re new to the caravanning game. We’ll be answering all of your caravan insurance questions in this article; here’s everything you need to know:

    Do I need insurance for my caravan?

    Technically, no, it’s not a legal requirement for your caravan to have insurance. But it’s actually highly-recommended should you buy, or already have, a caravan. Whether it be for peace of mind or to protect you financially, taking out caravan insurance is one of the best things you can do. From fire, theft and water damage to scraping it along a gate post, you can rest assured that your caravan will be covered, so you don’t have to skip any of those fun-filled caravanning holidays you enjoy so much every summer.

    What type of insurance cover do I need for my caravan?

    Much like car insurance, you can tailor the policy to suit your budget. You should choose a caravan insurance policy that suits your lifestyle. It’s recommended that you opt for a caravan insurance policy that will cover:

    • Loss or damage in the case of theft, fire, flood, storms etc
    • The contents of your caravan, making sure you amend the policy if you plan on taking higher-value items with you on holiday/when the caravan is in use)
    • Accidental damage that occurs when towing is in progress
    • A choice of ‘new for old’ or ‘market value’
    • European travel, most caravan insurance policies will cover this, but make sure yours definitely does before taking it abroad

    Should I insure my caravan if it’s parked at home?

    It’s a good idea to insure your caravan even if it’s parked at your home address. This is to help cover the costs should theft or damage occur while it’s parked there. Some insurance companies might require you to store your caravan at an CaSSOA-approved (Caravan Storage Site Owners) site, with some providers offering a discount if you choose to store it there instead of at your home address. This is because the site will be protected to a much higher degree than if it was parked on your driveway.

    Will my car insurance cover my caravan?

    No, your car insurance does not cover your caravan. The car insurance you have will only cover the vehicle that is towing the caravan and not the caravan itself. You might be able to take out a separate insurance for your caravan from the same provider, however.

    What are the different types of caravan insurance?

    Typically, there are three different types of insurance that someone can take out for their caravan:

    • Tourer or touring caravan insurance – covers caravans that can only be transported when towed behind another vehicle
    • Static caravan insurance – this covers your caravan if it sits in a fixed location, like a seaside resort or holiday park site. If, at any point, you wish to move your static caravan to another location, then make sure the insurance policy covers something called ‘goods in transit’
    • Trailer tent and folding caravan insurance – contents that are stored within a folding caravan or trailer tent are far less secure, so if you wish to insure those, you might find it more difficult than insuring a standard

    Will the contents of my caravan be insured?

    Depending on the type of cover you have, the contents of your caravan may well be insured should the worst happen. Make sure you check the policy before agreeing to take out the insurance, just to ensure it’s offering you need. It would also be worth checking your home insurance policy to see if your items are covered if they’re taken outside of the house. There’s no need to insure the same products twice if they’re already covered under another policy.

    With over twenty five years of industry knowledge and expertise to draw upon, you can always count on our professional team to transform the interior of your caravan, motorhome, boat, campervan, horsebox or static caravan. We pride ourselves on delivering first class service and quality upholstery that’ll stand the test of time. For more information about how we can help you today, get in touch with a member of our dedicated team today – we’re always happy to hear from you.

    Videos of our work

    • We called in to get the sofa back/bed base infill on our Pulsar made thicker. I just wanted to let you know that we slept in the camper last night and the bed is now really comfortable.
      I can't believe we've spent over 300 nights over two and a half years building the middle of the bed up with blankets and even an inflatable camping mat!
      I don't know why we didn't think of coming to you sooner.....well worth the trip. As previously, the service from all your staff was excellent and Brett did a perfect job for us.
      We can leave the camping mat and blankets at home now, and Vince can make the bed up in half the time with none of the palaver! - Moira Stroud

      Ms Stroud

    • Hi, Just wanted to say how pleased we are with our motorhome carpets 😊 nice to deal with a “ can do” company for once!
      Reasonable cost and a very good job, so thanks again - Mrs D Stainsby

      Mrs Stainsby

    • Rose and myself, would like to thank everyone at Regal Furnishing for doing such a professional job on our Auto Trail Tracker.
      Thanks again.
      Always keep smiling God bless all - Rose and Ken Taylor

      Mr & Mrs Taylor

    • Hi Just to thank you and let you know that we have now had a couple of weeks away in our caravan (Abbey Dorset 2000) and found the new cushions to be extremely comfortable seats and as a bed sleeping was sound.
      Still can't believe it was done in less than a day.
      The service was excellent. Would not hesitate to recommend you.
      Thanks to all once again.
      James Thomson

      Mr Thomson

    • What a marvellous job you have done reupholstering our Caravan cushions. We are extremely pleased with the result.
      Best wishes
      John & Joyce Welsh

      Mr & Mrs Welsh

    • Thank you so much for the brilliant job you have done, we are so pleased. It has been a pleasure to have done business with such lovely people, thankyou once again.
      Merry Christmas & Best Wishes

    • Hi,
      I had my camper (Mercedes Sprinter) upholstery done by you guys ! I found the whole experience fantastic, Mick help us choosing material and gave us much needed advise, all the workers were friendly and polite, office staff were also helpful, friendly and very efficient.
      I would highly recommend Regal Furnishing Ltd !!!

      Thank you very much, keep up the good work. (not many companys left like yours!)
      John Morrison

      Mr Morrison

    • Top quality service, top quality staff who are very helpful, even supplied and covered a cushion we never knew was part of the furnishings, the whole experience was brilliant from start to finish, 5 stars, well done Mick and his team - Mr Brazier

      Mr Brazier

    • REGAL FURNISHING. WOW!!, WOW!! Great service, we came to look at the vast range of fabrics for our Eura Mobil 810 for a full re-upholstery, very hard to choose as there are so many, we took our time and we were left to choose. We finally decided on a fabric refit. After making our choice we booked in for the refit, being very popular there is a short wait, we did not mind, because getting a great job was the most important.
      However when we got home, and after looking at some of the refits in leather, we turned up to see Mick again, saying "we had changed our minds" and then decided to go for the full leather refit.
      Nothing was a problem for Mick and his excellent team, he went through every stage of the work to be carried out, making special notes of things we wanted, and the things we did not.
      Our van is quite large and we left it at Regal Furnishings in the very secure compound.
      The work was carried out in a very timely manner, and ready for us to collect on the given time and date.
      The surprising thing for us apart from the excellent job of work, was Mick's attention to detail, and actually getting the job done to a very tight budget .
      There are plenty of upholsterers out there, but one that specialises in motor homes, that has secure parking for overnight stops if needed, are few and far between!
      The reviews for regal are exemplary and we had no doubt who would be doing our refit.
      Mick had even matched the curtains and the overhead cab bed.
      We would have absolutely no hesitation recommending Regal Upholstery to our family and friends - David Bosworth

      Mr Bosworth

    • Not long returned having had my Motorhome interior updated. Curtains, Trims, Foam the lot. On the day I arrived there had been a scare for one of the teams family, they had been called away as you would understand. The result was they were short handed! The difference......nothing. The team across the operation simply pulled together and provided a fantastic service. Albeit they probably felt the pressure!
      The complete process was perfect, nice people, nice job, and the weather was nice too. I’ll go back as and when required. Many thanks - W D

      W D

    • Had our upholstery and curtains replaced yesterday. Our 11 year old Apache Autotrail now looks as good as new. Mick and the team at Regal are amazing. Their attention to detail is phenomenal and they are a really friendly group of people. We shall be recommending them to everyone - Beverley Porrett

      Ms Porrett

    • Excellent friendly service. We only had a small job done, a padded end panel for our motorhome. Not only was the cost so reasonable they did a fabulous job and although it was a low cost job we received impeccable service by Mick. Thank you so much for the lovely job you did for us 😊 - Bridget Bales

      Ms Bales

    • Excellent lovely job many thanks to the team - Kim Gough

      Ms Gough

    • Excellent happy management and employees - Sylvia Williams

      Ms Williams

    • The best in the country. Service is fantastic and quick. Good selection of materials to choose from professional advice and always happy smiling staff - Katarzyna Thorp

      Ms Thorp

    • I'm absolutely blown away by the service and quality of the work that mick and his team carried out on my Hamish, I'm delighted from start to finish his team are friendly and do a great job. Thank you - Mark Kingston

      Mr Kingston

    • Second time we have had work done here and can't fault them. Looked after by good staff and the best workmanship. Thank you - Jane Buxton

      Ms Buxton

    • Had our caravan refurbished including a double bed and curtains with tie backs and what a fantastic job Mick and the whole team have made.
      It has made our 14 year old caravan better than when it was brand new!
      Great choice of fabric and foam - Could have leather in choice of colours too.
      Got a few quotes from other companies but Regal furnishings are by far the best - Jane Hutch

      Ms Hutch

    • Workmanship first rate. So pleased with the results. Would recommend them - Sheila Mclean

      Ms Mclean

    • Brilliant service. Quality work really good to deal with - Mr Todd

      Mr Todd