Touring Caravan Cover

Both insurers offer new for old cover until the caravan is 10 years of age, with loss of use and European cover included, cover is also available for the caravanning equipment and accessories (including Motor movers, awnings, generators , gas bottles, batteries, hitch locks, wheel clamps, sundries etc), the caravan contents and your personal effects can also be included. Please see table below for differences in cover.

Commercial Express
KGM Underwriting Services
Accessories and Equipment
Optional with cover amount to be decided by the policyholder
15% of caravan value included (Excludes Awning which has to be insured separately see below)
Contents cover
You Specify the amount of cover required, this is subject to maximum of 25% of caravan and equipment amount insured
10% of caravan value included
Exact amount is included under the equipment and accessories section. Cover available for any age of awning although New for old cover applies on awnings up until to 10 years of age, market value cover applies thereafter. Please take this into account when calculating your accessories and equipment cover required
Optional - Up to 1000 = 11.20 or Up to 2500 = 28.00, both including IPT. (New for old cover until awning is 7 years old, thereafter no cover available)
European Cover
Unlimited use subject to a 90 day trip limit
Up to 180 days per year
Loss of Use
Up to 15% of the caravan sum insured for pre-booked holidays
Up to 1500 for pre-booked holidays
Public Liability
1 million included with option to increase to 2 or 5 million
2 million included
Legal Expenses
25000 legal expenses cover included free of charge
Optional - Cover up to 50000 legal expenses = 11.20 including IPT
Personal Accident
Not available
Benefits up to 20000
Hitch lock and wheel clamp are compulsory although discounts are given for approved devices. Thiefbeaters/Datatag Marking System, Phantom, Cobra Track, Hal-Locate, SmarTrack, The Defender, Tracker (Monitor/Horizon) or Tracker (Response)
Compulsory Hitch lock or wheel clamp although both are preferred. No discounts given
Residential Use
Optional subject to additional premium
Not Available
Premium Discount given for storage at CASSOA gold sites
Home or approved locations only
Special Terms
Flood cover is not available for some areas, this will be indicated in the quotation
First 7 day flood exclusion

Easy payment terms over 10 months by direct debit - no deposit required (10% credit charge made subject to minimum charge of 25), or pay in full by credit/debit card over the phone.

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