Caravan Insurance

We understand that your Caravan is your home. That's why we've teamed up with Towergate Bakers, a specialist in touring and static caravan insurance to offer a bespoke policy that's right just for you.

Touring Caravans
Get a Touring Caravan Insurance Quote online 

Static Caravans
Get a Static Caravan Insurance Quote online   

or call 01242 528844.

Touring Caravan Insurance

• Your caravan and its contents are covered against accidental damage, fires, flooding, storms and theft,
• £2 million third party liability indemnity insurance,
• 'New-for-old' replacement for life - the touring caravan must be less than five years old when the policy is first issued but thereafter will be replaced as new in the event of a total loss,
• Annual European cover, without restriction on the length of trip or number of trips made,
• Up to 25% discount for using recognised security equipment and storage solutions, such as Pro-active Tracker and CaSSOA storage,
• RAC recovery of the caravan whilst touring abroad in Europe,
• Up to 15% discounts for claim free caravanning.

Get a Touring Caravan Insurance Quote online 

Touring caravan insurance is arranged and underwritten by Towergate Bakers.

Static Caravan Insurance

• Your caravan and its contents are covered against accidental damage, fires, flooding, storms and theft,
• Discounts for caravans less than five years old, insured on a 'new-for-old' basis for at least £18k,
• Frost damage cover all year round to fixed water and heating installations,
• Cost of site clearance, re-siting and delivery fees in the event of accidental damage to your caravan,
• Frost damage cover all year round to fixed water and heating installations,
• Accidental damage to sanitary fittings, glass panels, TV's, video, audio and computer equipment,
• Unlimited cover for replacement of external locks following loss or theft of keys,
• Includes £2m third party liability indemnity insurance.

Get a Static Caravan Insurance Quote online   

Static caravan insurance is arranged and underwritten by Towergate Bakers.

This insurance offers generous discounts for using recognised security equipment and up to 15% discount for not making a claim.

Standard Cover

• Your caravan and its contents are covered against accidental damage, fires, flooding, storms and theft,
• Annual European cover, without restriction on the length of trip or number of trips made,
• Up to 25% discount for using recognised security equipment and storage solutions, such as Pro-active Tracker and CaSSOA storage,
• RAC recovery of the caravan whilst touring abroad in Europe,
• Up to 15% discounts for claim free caravanning,
• New-for-old replacement for life - the touring caravan must be less than five years old when the policy is first issued but thereafter it will be replaced as new in the event of a total loss,
• 3% of the insured sum of your policy in the event of losing the use or benefit of your caravan for a planned holiday (up to a maximum of three weeks),
• Includes £2m third party liability indemnity insurance.

Additional cover

• Upgrade to ‘Select’ cover,
• The ‘Select’ policy gives all the benefits of the standard cover but in addition your caravan and its contents will be covered on a new for old basis. You will also receive 5% loss of use benefits.

Get a Touring Caravan Insurance Quote online 
or call 01242 528844.

Touring caravan insurance is arranged and underwritten by Towergate Bakers.

Static Holiday Caravan insurance policy offers a choice of either 'new-for-old' or market value protection which is excess free.

Standard Cover

• Loss or damage caused by fire, storm, flood, theft, vandalism, falling trees and impact by road vehicles,
• Cost of site clearance, re-siting and delivery fees,
• Frost damage cover all year round to fixed water and heating installations,
• Accidental damage to sanitary fittings, glass, panels, TVs, video, audio and computer equipment,
• Unlimited cover for replacement of external locks following loss or theft of keys,
• Freezer food up to £100,
• Discounts for 24-hour electronic security systems e.g. Ramtech,
• Discounts for caravans less than five years old, insured on a 'new-for-old' basis for at least £18k,
• £2m third party liability indemnity insurance,

Additional Cover

• Increase your indemnity cover,
• Standard Cover includes a £2m third party liability indemnity with an option if required to increase this limit to £5m.

Get a Static Caravan Insurance Quote online 
or call 01242 528844.

Static caravan insurance is arranged and underwritten by Towergate Bakers.

Q. How much should I insure my Touring caravan for?
A. If your caravan is less than 5 years old it can be insured on a new for old basis – once insured the new for old protection continues for as long as you require it. The caravan MUST be insured at all times for the cost of a brand new equivalent. If your caravan, irrespective of its age, has been purchased from a bona-fide caravan dealer it can be insured on an ‘agreed value’ basis for up to 12 months from date of purchase. It should therefore be insured for the purchase price. Alternatively it can be insured for its current market value, which normally will reduce year on year.

Q. How much should I insure my Static caravan for?
A. The policy offers a choice of either new for old or market value cover.  Should you require new for old cover the caravan must be insured for the cost of its brand new equivalent to include an allowance for site clearance, re-siting and delivery fees together with the value of any additions such as verandas, sheds and storage containers.  You should also include an allowance for contents and equipment.
If insuring on a market value basis then the caravan and its contents should be insured for their current market value together with an allowance for site clearance.

Q. In the unlikely event of a total loss, how would my Static caravan claim be settled?
A. If your caravan is insured on a market value basis Towergate Bakers would pay the market value of the caravan and its contents at the time of the loss plus an allowance for site clearance.  This would be by way of a cash settlement.
If the caravan is insured on a new for old basis they would look to arrange replacement of the caravan with its brand new equivalent via the site to include the cost of site clearance, re-siting and delivery fees.  In addition they would also need to replace as new the contents.  Clearly it is essential that the sums insured are adequate because in the event of a total loss the repair settlement cannot exceed the sum insured.  Please note that claims in respect of household linen and clothing will be settled on a market value basis and not new for old.
If you decide not to replace the caravan our settlement will be by cash payment on a market value basis.

Q. Can I insure a static caravan sited abroad?
A. This policy is only available for static holiday caravans sited in the UK. Towergate Bakers can insure static holiday caravans overseas through Towergate Holiday Homes insurance on 01708 777601.

Q. Is there any age limit in respect of the Static caravan to be insured?
A. The caravan must be less than 15 years of age if it is to be insured on a new for old basis.  Caravans up to 20 years of age can however be insured on a market value basis.

Q. Is there policy excess on my Touring caravan policy?
A. The excess (the amount you pay in the event of a claim) is £100.00. It can be deleted altogether (at a cost of £30.00) or increased to £250.00 (a 10% discount will apply).

Q. If I have to make a claim on my Static caravan insurance what amount will normally be deducted from my claim (the excess)?
A. One of the benefits of this particular policy is that there are absolutely no excesses.  Therefore no amount is deducted in the event of a claim.

Q. Is there a no claim discount on my Touring caravan policy?
A. Yes, if you have 1, 2 or 3 or more years of claim free caravanning you can claim a discount of 5%, 10% or 15%. In the event of a claim this discount will be lost at subsequent renewal, unless it was not your fault and Towergatge Bakers recover the claim cost from the third party insurer.

Q. Can I insure my Touring caravan contents?
A. You can insure all your caravan related equipment and belongings such as awnings, generators, aqua roles, crockery, cutlery, TV etc. However, high value items (such as jewellery, cameras etc), cycles, sports equipment, clothing, spectacles and cash cannot be insured and should be covered by your home contents policy.

Q. What should I do in the event of a claim?
A. Contact Towergate Bakers as soon as possible. They will send a claim form and request estimate(s) for repair/replacement. If the damage is extensive they will instruct loss adjusters. They deal with all claims in-house and pride themselves on prompt, fair and sympathetic claims service.

Call 01242 528844 and they can help resolve your claim as quickly as possible.

Getting a quote is simple

Fill in your personal details with the straight-forward questionnaire and receive your quote instantly.

The quote and application process will pop-up in a new window.

What will I need?

• The make and type of your caravan,
• The estimated value of your caravan,
• The estimated value of your awning (if applicable),
• The year the caravan was manufactured,
• The postcode of the caravan site (if applicable),
• The date you wish the cover to start from.

Touring Caravans
Get a Touring Caravan Insurance Quote online 

Static Caravans
Get a Static Caravan Insurance Quote online   

Apply by phone

To apply for a quote or to ask a question about our policies call 01242 528844.

For Quotes & Sales, or to Make a Claim for your Touring or Static caravan, please contact:

Towergate Bakers
The Quadrangle
Imperial Square
Cheltenham
Gloucestershire
GL50 1PZ

Telephone: 01242 528844
Fax: 01242 253990