It’s really not too complicated to get a caravan insurance quote, just make sure you’ve got the following to hand:
• The caravan make, model and berths, e.g. Bailey Phoenix 420, two berth.
• The new or used value of your caravan and its equipment. Equipment values soon add up so make a list of all your equipment and calculate it to make sure you set the insured value sufficiently. You don’t want to underinsure. Our Advisers will help you check the value of your caravan if needed.
• Storage location address and the details of security features in place there.
• Caravan security devices. What do you plan to fit and find out what your caravan has as standard. Does it have the AL-KO Secure receiver and lock? Does it have a tracking device you could subscribe to?
• Caravan safety devices. Does it have the AL-KO ATC electronic anti-snaking (you’ll see the ATC logo and LED indicator on your caravan A Frame cover) or perhaps a reversing camera or tyre pressure monitoring system?
• When you plan your caravan cover to start (usually your pick-up date)?
If going on cover you’ll need to supply the caravan’s CRiS number or VIN number. This is usually on a window sticker or etched onto your caravan window and has 17 digits.
If the policyholder dies, arrangements will need to be made to cancel the policy or to make a temporary change to the policy for cover to remain in place.
We will ask for a copy of the death certificate and updated contact details for the spouse or Executor. If an Executor or Administrator is handling the estate of the deceased we will also need their contact details and a copy of the grant of probate or letter of administration.
The spouse or partner handling the estate of the deceased policyholder can cancel the policy or it can be reissued in their name.
If the policy is to be reissued we will need to update the risk details and provide a new quotation for the new owner. This will be subject to our usual underwriting criteria.
We cannot cancel the policy until we have a copy of the death certificate and, where necessary, other supporting documents. This would usually be discussed and arranged over the phone.
If you’re planning a holiday to Europe in your caravan, fifth wheeler or trailer tent you no longer need to carry a Green Card to show proof of insurance.
If you’re towing a caravan or trailer in the EU, Andorra, Bosnia and Herzegovina, Iceland, Liechtenstein, Norway, Serbia and Switzerland, your motor insurance documents will be sufficient and will give you the same level of cover that you have in the UK.
You’ll need a copy of your tow vehicle insurance documents to prove you’re insured for driving in the EU.
Please also check your passport is valid for travel.
In general, you will not need an International Driving Permit (IDP) when driving in most EU countries for up to 90 days, but you must carry your driving licence photo card with you. There are some exceptions where an IDP might be needed:
- If you only have a paper licence (no photo card)
- If your licence was issued in Gibraltar, Guernsey, Jersey or the Isle of Man
You can keep up-to-date and request alerts from the Government’s visiting the EU website.
We’re aware of significant delays with garage and repair centres to carry out estimates for repairs and the availability of bookings. There are also significant delays with the availability of parts from UK and European manufacturers, which is beyond our control and will unfortunately lead to delays in the settlement of some insurance claims. The Happy Place Claims Liaison team will be on hand to help where possible to keep your claim moving and offer any help.
Unless you’ve sold your caravan, we don’t recommend you cancel your policy – even if you’ve had to change your plans and won’t be using it for a while. Accidental damage when caravans are being used only makes up a small proportion of claims costs. Happy Place insurance protects you against other risks, such as storm damage, flood, fire, theft and vandalism – you still need cover in place in case the worst happens. Unfortunately some of these risks can be even higher when you’re not using your caravan.
If you have sold your caravan or still wish to cancel for any other reason, please call us on 01422 395 895.
We offer a range of ways to pay for your touring caravan insurance policy.
Credit / Debit Card
Paying by Credit or Debit card couldn’t be easier. Simply call us for a quote, and when you choose to take out the policy we’ll take your details over the phone and process the payment for you.
Monthly Direct Debit
Many of our clients use Premium Credit’s financing to spread their premium using monthly direct debit. Premium Credit’s financing solution is easy to manage online at www.mypremiumcredit.com
My Premium Credit gives secure 24/7 access to your account. You’ll be able to keep tabs on your direct debit payments, view correspondence, sign your credit agreement, settle missing payments by card and make changes to your personal or banking details online.
If you would like to set up a direct debit call us on 01422 397735, weekdays 8am – 8pm and weekends 9am – 4pm.
Please note a charge for credit applies, written quotations available. Credit availability is subject to status.
Renew online
If you don’t need to make any changes to your policy and are happy to pay for your annual premium, you can renew your policy online here.
Please check your schedule to make sure all other details are correct. If you don’t need to make any changes and are happy to pay for your annual premium, please renew your policy online here.
However, if there are any other changes in your circumstances, or if you wish to add, remove or discuss any policy options, please call us.
From 1992 most caravans in the UK were sold with a 17 digit CRiS number etched onto windows as well as a VIN or chassis number on the A frame or by the door.
From 2016 window etchings were replaced by tamper proof VIN Chip stickers placed on the inside of caravan windows and inside gas lockers.
For most UK caravans CRiS numbers begin with the letters ‘SG’.
Touring caravans manufactured before 1992 should have a plate on the A Frame or by the door – this should give the VIN or chassis number.
Folding campers and trailer tents should have a chassis number on the A frame also.
If you don’t know the market or new for old value of your caravan please contact us as we may be able to help get you a figure.
As a minimum we require a wheel clamp and hitchlock to be fitted when the caravan is left unattended and detached from the tow vehicle. Of course you wouldn’t need to fit this security when you were just stopping at a motorway services.
An axle wheel lock is accepted in lieu of a wheel clamp.
For some higher risk caravans we may require additional security such as axle wheel locks, alarms or Happy Place approved tracking devices.
