The answer to this question lies in how much you have paid for your caravan. If you have paid out thousands of pounds for a top of the range caravan then it makes sense to pay a little more for caravan insurance to cover the possibility of total loss. Even when buying a cheaper used caravan, insurance is still worth taking out as it brings the owner peace of mind against a wide range of events.

Imagine for a second that while you are out a fire starts in your caravan. When you return there is nothing left of the caravan but a pile of smouldering ashes and the bare shell? If you do not have insurance or inadequate insurance then many thousands of pounds have literally gone up in smoke. With insurance you may be able to claim back the full value of the caravan, if you have taken out insurance with agreed values, the total worth of the caravan. Suddenly paying a small premium each month for insurance does not sound so bad, does it?

Your caravan is at risk of many events. Storms can severely damage your caravan, as can flooding. Then there is the risk of theft of the caravan or your belongings from inside. Awnings cost a great deal of money these may generally be included in the caravan insurance policy, up to a certain amount.