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Coast Caravan InsuranceReview

Coast Caravan Insurance Review

coast caravan insurance

This Coast Caravan Insurance review is to help explain just what this family operated insurance broker has to offer the public. They have 20 years of experience in helping to protect touring and static caravans in the UK. Coast insurance is a trading name of Park Home Insurance Services Limited

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What types of caravans does Coast Caravan Insurance protect?

Coast Caravan Insurance offers tailored made protection for both static and touring caravans.

What is covered with Coast Caravan Insurance?

There are some similarities in coverage that both static and touring caravans have. These similarities include the following;

  • Storm, fire and flooding coverage
  • Theft and malicious damage protection
  • Accidental damage protection
  • Personal content protection
  • £5 million Public Liability Insurance

Touring caravan insurance has additional coverage that will include the following;

  • Up to 300 days of protection in Europe when on the road
  • New for Old policy for caravans 10 years old or newer
  • Recovery and delivery expenses
  • Alternative accommodation provided after a breakdown or accident
  • Loss of use protection of £50 Per Day with a limit of £1,500
  • Personal accident coverage up to £20,000

Static caravan insurance has additional coverage that includes the following;

  • New for Old policy for caravans 20 years old or newer
  • Legal expenses that includes coverage for disputes between site owners and residents
  • Lost frozen food reimbursement
  • Loss of rent reimbursed
  • Site clearance
  • Lock replacement
  • Alternative accommodations if the caravan is damaged to the point it is not inhabitable

Both types of policies offer New for Old which includes the clause ‘Fair Market Value”. The caravans itself might be replaced with  new model, the lost content will be subjected to fair market value when the policyholder is reimbursed.

Is caravan insurance mandatory?

In the UK caravan insurance is not required by law. On most tow vehicle insurance policies, touring caravans are covered with the minimal coverage of third party. That provides no protection for your caravan.

With static caravans many caravan parks do require caravan insurance just in case there is an accident or damage due to storms, flooding or other cause.

Are there any discount available for Coast Caravan Insurance?

Yes there are several discounts available for the caravan owner. Members of a caravan club receive a 15% discount off the premium, No Claims Discount can be as high as 30% and if an alarm system is installed there is a 5% discount.

In Conclusion

This information is being provided free to the public by an independent writer. We do not endorse or dissuade the use of this insurance broker and have not been compensated by Coast Insurance in any manner.

While Caravan insurance is not mandated by the government, it is a wise choice to protect your investment. Coast Caravan Insurance has many options and levels of coverage to meet the needs and budget of the owner.


make Use of  Comparative Web Sites

If you are after a quote for caravan insurance you can go direct to the brokers websites such as caravan club insurance. Alternatively you can check out comparative website such as go compare caravan insurance. Before you go we can also provide you with a comparative service that will provide you with multiple quote an options for caravan insurance. Get started now by selecting the quote button below.

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Simple Caravan Insurance Review

Simple Caravan Insurance Review

The Simple Caravan insurance company is known for their low prices of comprehensive coverage. They operate only in the UK and you can open a policy either online of over the phone. They are also a member of the National Caravan Council and have been actively protecting caravan owners with insurance for more than 70 years.

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What type of caravans can be covered with Simple Caravan Insurance?

Simple Caravan insurance offers both static caravan insuarnce and touring van insurance. Commonalities between the two types of policies include all drivers are covered, old for new coverage and discounts for Caravan Club members.

Touring caravan coverage

  • Lose or accidental damage to the caravan is covered up to £25,000.
  • Lose or damage to content is covered up to £5,000.
  • Old for new on caravans 5 years old or newer.
  • European Union travel is covered for up to 220 days per year.
  • Emergency accommodation and replacement hire covered for up to £1,000.
  • Keys and locks protected up to £250.
  • Personal accident coverage up to £20,000.
  • Public liability coverage up to £2 mil

Static caravan coverage

  • Lose or accidental damage to the caravan is covered up to £40,000.
  • Lose or damage to content is covered up to £10,000.
  • Old for new on caravans 5 years old or newer.
  • Emergency accommodation and replacement hire covered for up to £1,000.
  • Keys and locks protected up to £250.
  • Personal accident coverage up to £10,000.
  • Public liability coverage up to £2 mil
  • Freezer food lost is covered up to £200.

Extras Simple caravan insurance offers

There are many discounts for customers. For touring caravan insurance the discounts include up to 10% off when a CaSSOA site is used to take out policy, 25% discount if a GPS tracker is installed on the caravan and 5% discount for Caravan Club Members.

For static caravan insurance there are discounts when an alarm system is installed on the caravan and for Caravan Club Members.

In Conclusion

One thing that is consistent is that Simple Caravan insurance has one of the lowest premiums available on the market. They are continuously checking the prices of the competition to make sure they are competitive on pricing. To help keep the pricing low the upper limits of coverage are lower than some other insurance companies.

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Saga Motorhome insurance Review

Saga motorhome insurance 

Saga motorhome insurance was created to cover those adventurers over the age of 50 that love to travel. Saga has been serving the older portion of the public with financial coverage for 65 years. The policies issued by Saga are underwritten by Acromas Insurance Company Limited.

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What type of insurance policies does Saga issue?

Saga only issues policies for static caravans that are towed to multiple places over the course of the year. Touring caravans that are set up to stay in just one location are not covered by Saga caravan insurance.

What is covered with Saga touring caravan insurance policy?

  • New for Old using current market value of the caravan for those units 15 years or newer. There must also be a record kept for the annual servicing of the caravan which is required.
  • Protection against vandalism. If a claim is made your No Claim Discount will still be valid.
  • Damage from storms, flooding and any other natural cause is covered.
  • Loss or damage to contents and personal items in the caravan is covered up to £1,500.
  • Legal costs are covered but no upper limit is mentioned.
  • Loss of use is protected with up to £2625 protection that can be used to cover the cost of emergency accommodation, travel expenses and the renting of an alternative caravan when yours is damaged in an accident and cannot be used. The daily limit is £175 for a period of time up to 15 consecutive days.
  • Personal accident coverage is up to £20,000.
  • There is recovery and delivery protection of up to £3,500 if your caravan is broken down or involved in an accident.

What are the extras that Saga Caravan insurance offers that many others do not?

  • You can lend out your caravan to friends and family and the caravan will be covered. The only part that will be excluded in the policy is the personal items coverage.
  • The touring caravan is covered for your travels in the European Union. This coverage has no time or mileage limit. This item is extra coverage that can be taken out.

In Conclusion

Saga motorhome  insurance is designed to take care of the needs and address concerns of owners over the age of 50. Because of the age of policy holders, agents are used to dealing with health issues by clients and know how to properly handle them to make sure coverage is maintained.

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Safeguard Motorhome Insurance Review

safeguard motorhome insurance

safe guard caravan insurance

Safeguard UK insurance company has been financially protecting caravans and motorhomes for more than 30 years. They are also part of the Swinton Group which has been an insurer in the UK for more than 60 years.

What types of policies  that Safeguard motorhome Insurance offer

There are four types of policies Safeguard offers the public. This includes Touring Caravans, Static Caravans insurance, Motorhomes and Park Homes. The policies provide their customers with protection in both the UK and mainland Europe.

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Touring Caravan coverage

• For caravans 5 years old or newer there is New for Old replacement of the vehicle.
• Travel in EU is covered.
• Legal protection up to £50,000.
• Public Liability coverage up to £2m.
• For caravans and trailers with a gross weight of 3.5 tonnes or less there is an   optional breakdown protection plan.

Static Caravan coverage

•For caravans 10 years old or newer there is New for Old replacement coverage.
•Public Liability coverage up to £5m when it is stationary. No coverage when the caravan is being transported.
•Loss of use coverage for up to £50 per day or the renting of a similar caravan up to £1,500 total limit.

Motorhome coverage

•New for Old replacement for motorhomes less than 2 years old and with less than 15,000 miles on the odometer.
•Travel in EU is covered.
•Breakdown assistance for motorhomes less than 20 years old covering both the UK and EU.
•Unlimited coverage for permanently fitted audio and communication equipment that came with the vehicle. Other permanently fitted standard equipment is covered up to £1,000.
•Portable generator coverage up to £500.
•Unlimited windshield and glass replacement and repair. Excess only applies to replacement

Park Home coverage

•New for Old content replacement.
•Public Liability coverage up to £5m.

Extras Safeguard insurance covers

As part of every touring and motorhome coverage is protection while traveling in Europe. This is standard on the policies at no additional costs.

To help their customers get the most out of their caravan experience Safeguard has a blog on their site with helpful tips and places to go. Postings go back 5 years which include best fishing spots, 7 ways to prepare your caravan for the winter and keeping insects out of your caravan.

In Conclusion

UK law requires that motorhomes and motorized caravans be covered by a minimum of third party insurance. The policies offered by Safeguard do not include that. They offer financial coverage on items above the minimum just in case of an event or accident so owners can have peace of mind.

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Average cost of caravan insurance 2019

The average cost of static caravan insurance in 2019 is at £150 for a touring caravan that is worth approximately £9,000 and will have an excess of £162. The average cost of a static caravan insurance in 2019 is at £300 that has a value close to £45,000 with an excess of £167. What should be noted is that the more the caravan is worth, the higher the premiums will be for both touring and static caravans.

What are the variables in caravan insurance?

The above quotes are for basic coverage and do not include contents in the caravans. The more coverage you desire, the higher the premiums will be. Items that directly affect the cost of covering your caravan will include the following;

  • The safety features you have in and on your caravan.
  • The location your caravan will be parked so the higher the crime is in that area, the higher to cost of coverage will be.
  • The age, model and manufacturer of your caravan
  • For touring caravan owners, the number of years of experience piloting one is a factor.
  • Any claims you have filed in the past in reference to your caravan insurance.
  •  The main purpose you own a caravan and how you use it.
  • Your age.
  • The value of the contents in your caravan and if they are covered.

Which type of caravan is considered lower in risk?

Due to the static caravan being stationary, they are considered lower risk by an insurance company. That is the reason for the average cost of covering a static caravan is only double that of a touring caravan but the value of the static caravan is 5 times higher.

What can caravan insurance cover?

There are basic insurance with numerous add-ons that will provide you with a larger security blanket, but also raise your premiums. What can be added includes is financial protection if your caravan is damaged in an accident. There is also protection that can be added if damage is cause by a fire, storm, flood and vandalism.

The most common add-on for touring caravans is breakdown assistance, the cost of towing and storing the caravan if it is broken down or involved in an accident.

What type of caravan insurance is required by UK law?

At this time since tow touring caravans are not required to have a separate insurance policy since they are generally covered by the tow vehicles insurance. If the touring caravan is motorized, the third party insurance is required by UK law.

Static caravans are not required to have insurance, but most caravan parks do require some type of protection for you to park your caravan on their property.

The reason for caravan insurance to protect your investment is just in case an accident or damage occurs to it. For most the purchase of a caravan is a major investment. By having the right coverage, your investment is protected. With the average cost of caravan insurance in 2019 being reasonable, you will be protected once the policy is issued at a price you can afford.

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Towergate caravan insurance reviewed

Towergate Caravan Insurance - Reviewed

The Towergate caravan insurance is one of many types of coverage this company offers which is based out of London. They have been processing policies since 1997 and have acquired more than 300 specialty insurance companies. While they do have an insurance broker department, for static and touring caravans along with trailer tents and park homes the policies will be underwritten by the Towergate Underwriting Group Ltd. This is in contrast to the Caravan Club who specialise in caravan insurance. 

Why Towergate is considered specialty insurance?

This is an insurance company that handles the high risk situations many people face that other insurance brokers will not handle. This type of situation or condition can include the caravan being parked on a flood plain, located in a high risk location or the construction of the caravan is considered high risk to name a few. If you are having trouble finding coverage for your caravan, Towergate should be able to issue you a policy. They offer both static caravan insuranec and touring caravan insurance and the policies whilst similar do have difference as we have highlighted below.

What does the Towergate Static Caravan policy cover?

  • Public liability protection
  • Protection in case of fire damage
  • Protection if personal items stolen
  • Protection if damage is cause by a flood, storm or by accidental event
  • Old for new for caravans up to 20 years old

What does the Towergate Touring Carav​​​​an policy cover?

  • Damage to caravan while being transported is covered
  • Public liability protection
  • Protection in case of fire damage
  • Protection if the caravan is stolen
  • Protection if damage is cause by a flood or storm
  • All family members are covered with this policy
  • Old for new for caravans up to 20 years old

Extras that towergate touring caravan insurance policies covers

  • There is financial protection when touring in Europe.
  • Legal costs are covered in case a law suit is filed against you for some reason
  • There is also protection in case your keys get lost or stolen and your no claims bonus is also protected.
  • The caravan is also financially protected when parked in case of an accident

What should be noted is that no type of caravan insurance is required by UK law. Towed caravans include touring and tents are generally covered by the tow vehicles policy and are generally only third part insurance coverage. What is required by most caravan parks is public liability coverage which is included in Towergate insurance policies. What is not covered is damage inflicted upon the caravan by the owner or anyone they rent the caravan too.

Each Towergate policy cost is determined by the risk factors. They suggest that to lower your premiums you should have adequate security measures in place against theft.

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Tesco Caravan Insurance Review

Tesco Static Caravan Insurance - Reviewed

In this Tesco caravan insurance review is just what you can expect when you are looking for financial protection for your static, tow or mobile caravan. What should be noted is that under UK law caravan insurance is only required if the caravan is motorised. Insurance for static and tow models provide peace of mind for the owner if an accident occurs so they will be financially covered. Insurance will protect you against damage, but you also need to keep your caravan maintained.

What are the different categories of Tesco caravan insurance?

  • Touring caravan insurance is for any motorized caravan that can travel on the road of the UK. UK law requires insurance on the vehicle even if it is being stored.
  • Motorhome insurance is for a large motorized vehicle that people take holiday in which has berths. UK law requires insurance on the vehicle even if it is being stored.
  • Static caravan insurance is for a caravan that only has wheels and not a motor and is used as a holiday or 2nd home. This type is generally pulled by a car or truck when in transit. For some towing vehicle insurance policies, the vehicles in tow might be covered with Third Party only insurance. Static caravan insurance will provide cover specific to your individual requirements.
  • Trailer tent and camper tow vehicle insurance financially protects the smaller non-motorized campers that are hitched to the back of a truck or car. For some towing vehicle insurance policies, the vehicles in tow might be covered with Third Party only insurance.

What are the different types of Tesco Caravan Insurance?

  • Third Party Only Insurance covers the repairs to the other vehicle and medical bills for its occupants when you are at fault in an accident. This type is the minimal coverage required by UK law.
  • Third Party Fire and Theft Insurance is the same as above but with the additional protection for you vehicle if it is damaged by a fire or is stolen.
  • Comprehensive Insurance is all the above plus financial protection for repairs on your vehicle and medical bills you might incur in an accident. Additional coverage can be added to protect the caravan interior contents, interior equipment, public liability, windshield replacement, mainland European coverage and public liability.

What needs to be noted is that Tesco is an insurance company that has many types of policies. With their caravan insurance they are just the broker and offer the comparison of static caravan insurance and other types of insurance. Like any comparative site it is for you to choose the policy that fits your needs and budget. Tesco provides comparative quotes for a range of caravans and campervans including classic campervans and imported American motorhome insurance

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