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.

Caravan insurance is arranged by Towergate Bakers and underwritten by a consortium of leading insurers.

Touring Caravans
Get a Touring Caravan Insurance quote through Towergate Bakers online 

Static Caravans
Get a Static Caravan Insurance quote through Towergate Bakers online   
or call 0844 892 1517.

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.
• Discounts available 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.
• If you have 1, 2, 3 or more years of claim free caravanning you can claim a discount of 5%, 10% or 15%. Minimum premiums apply.
• If you qualify for more than one discount these will be applied consecutively to the reduced premium. Minimum premiums apply.

Caravan insurance is arranged by Towergate Bakers and underwritten by a consortium of leading insurers.
Get a Touring Caravan Insurance quote through Towergate Bakers online 

Static Caravan Insurance

• Insurance cover for an extensive list of perils such as fire, storm, theft and flood.
• New for old or market value cover options.
• Accidental damage cover as standard.
• Unlimited cover for replacing locks if your keys are lost or stolen.
• £5m public liability insurance.
• Additional alternative accommodation cover if uninhabitable following an insured loss.
• Contents in the open within the boundaries of the property insured up to £350.
• Unlimited cover for freezer contents.

Caravan insurance is arranged by Towergate Bakers and underwritten by a consortium of leading insurers.
Get a Static Caravan Insurance quote through Towergate Bakers online   

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.
• Discounts available 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.
• If you have 1, 2, 3 or more years of claim free caravanning you can claim a discount of 5%, 10% or 15%. Minimum premiums apply.
• 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.
• If you qualify for more than one discount these will be applied consecutively to the reduced premium. Minimum premiums apply.

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.

Caravan insurance is arranged by Towergate Bakers and underwritten by a consortium of leading insurers.

Get a Touring Caravan Insurance quote through Towergate Bakers online 
or call 0844 892 1517.

Cover is provided for an extensive list of perils such as accidental damage, fire, storm, flood, theft, etc.

Standard Cover

• Accidental breakage of glass, sanitary ware, mirrors and fixed glass in furniture.
• Accidental damage to televisions, audio, video and home computer equipment.
• Contents temporarily removed from the home (up to 15% of contents sum insured).
• Replacement locks if keys are lost or stolen.
• Spoilage of food in freezers.
• The cost of temporary alternative accommodation, payment of ground rent, kennelling fees and loss of rent payable to you.
• Following an insured loss (up to 20% of the home and contents sum insured) if the home is made uninhabitable.
• Compensation for death in the home – up to £10,000 paid in the event of fatal injury as a direct result of fire, assault or accident in the home.
• Your liability as occupier, tenant and in a personal capacity (up to £5m limit), and to domestic employees (up to £10m limit).

Caravan insurance is arranged by Towergate Bakers and underwritten by a consortium of leading insurers.

Get a Static Caravan Insurance quote through Towergate Bakers online 
or call 0844 892 1517.

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. Will my Static Caravan or Leisure home be insured for storm damage?
A. Yes, our policies provide cover against a wide range of perils including storm.

Q. What am I likely to receive if my Static Caravan or Leisure home is damaged beyond repair?
A. The claims settlement will depend on the type of cover you have chosen which will shown on your schedule. If you have chosen new for old cover we will replace your property with its brand new equivalent and pay any associated costs for site clearance, delivery and re-siting, provided your sum insured is sufficient. We will also pay the cost of replacing your contents as new, again provided you have insured for a sufficient amount. If you have chosen market value cover you will receive a pay out for the current market value with a deduction for depreciation and wear and tear.

Q. How will I know how much to insure my Static Caravan for?
A. If you have chosen New for Old cover you will need to insure for the cost of a brand new equivalent and site clearance and re-siting Speak to your site owner or manager. He or she will be able to tell you how much an equivalent unit would cost new and how much the additional costs would be for site clearance, delivery and re-siting. These can vary from one park to the next and may even be influenced by the position of your leisure home – for example if your unit is in a site where specialist lifting equipment would be needed. You should also allow for any decking, verandas or conservatories should you wish to insure them.

Q. Will my Static Caravan or Leisure home still be covered when I am not there?
A. If the home is unoccupied for more than 72 consecutive hours there are specific exclusions that will apply. These include the exclusion of cover for loss of metered water or heating oil and theft unless involving forcible and violent entry to or exit from the home. Full details of exclusions applicable can be found in the policy wording.

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. It can be reduced to £0 (at a cost of £30) or increased to £250 (a 10% discount will be applied to the policy premium - minimum premiums apply).

Q. How much will I have to pay as an excess if I have to claim on my static caravan insurance policy?
A. Nothing at all for the majority of claims. There is, however, a £500 excess for subsidence damage.

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 0844 892 1517 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.

Caravan insurance is arranged by Towergate Bakers and underwritten by a consortium of leading insurers.

Touring Caravans
Get a Touring Caravan Insurance quote through Towergate Bakers online 

Static Caravans
Get a Static Caravan Insurance quote through Towergate Bakers online     

Apply by phone

To apply for a quote or to ask a question about our policies call 0844 892 1517.

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: 0844 892 1517
Fax: 01242 253990