Motorhome and Caravan Insurance

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Whether you have a motorhome, touring or static caravan, Milestone Motorhome and Caravan cover offers you all the peace of mind you need.

 

Our caravan and motorhome policy features

Check beforehand that what you believe you’re covered for is actually part of your policy – read through the terms and conditions of your policy document and be careful not to assume that something comes as standard*. Here at Milestone we cover:

 

Motorhomes:

  • Drivers aged 21-85
  • High value vehicles up to £250,000
  • Professionally built, homebuilt, customised and business use
  • Up to £5,000 personal effects cover*
  • Vehicles up to 40 years’ old
  • European use up to 240 days
  • Unlimited windscreen cover (NCD not affected)
  • Introductory bonus for second vehicles
  • Camping equipment and awnings up to £2,500

 

Caravans:

  • New for old up to ten years
  • Flexible security options
  • Cover for European caravans
  • European use up to 180 days
  • Discounts for club membership and caravan towing courses
  • Camping equipment and awnings up to £2,500
  • Discount for additional security devices
  • 25% discount for permanently sited tourers

motorhome

Contents cover for caravans and motorhomes

Caravan and motorhome cover should provide some level of cover for the personal possessions kept in the accommodation. This should include clothes and gadgets including laptops, tablets and smartphones*.

If you’re planning on taking expensive tech with you, make sure the amount covered is sufficient to protect your belongings, and that the excess on the policy doesn’t exceed the value of your valuables.

Remember that you may already have contents cover on your travel insurance, your home insurance, or from another product liked a paid-for bank account or credit card.

 

Security

Some insurers offer discounts on your premium if you improve the security on your caravan. Keeping your caravan secure is important, and if your vehicle isn’t looked after properly any claim you make could be invalidated.

 

To help keep your home-from-home safe:

  • Consider installing a mechanical device such as a wheel clamp or hitch lock, which covers your tow bar to stop thieves hitching your caravan to their vehicle
  • Install a corner steady lock – this will lock down the rear corner of touring caravans so the front can’t be raised and hitched to a thief’s vehicle
  • Get a professional to install a Thatcham-approved alarm and immobiliser
  • Fit a tracking device to your caravan and tag it with Caravan Registration and Identification Scheme-approved tags
  • Take pictures of the inside and outside of your caravan which you can show to the police in the event of theft
  • Consider investing in a locking drive or hitch post or locked gates when storing your caravan at home
  • Keep all valuables out of view

 

What else should I consider?

 

Check the list of countries covered against those you’re planning to visit. If you’re unsure – or if there are any grey areas – contact your insurer.

Caravan insurance will protect your touring vehicle when you’re away from home, but what about protecting yourself?

Remember travel insurance when off on any jaunts, and also your European Health Insurance Card (EHIC) if you’re heading to the continent.

Also think about your home insurance – if you’re planning on travelling for longer than 31 days, your home cover may be invalid. Visit our landlord and household insurance page for more information about unoccupied home insurance.

When siting your static caravan or transferring it to a new site you should check that the movers you use have goods in transit insurance, which would mean your van is covered in the event of damage, accident or theft.

If your business is associated with the motorhome and caravan market, we have the cover for you. From motorhome and caravan dealers to secure storage site owners, we can offer cover with many options to suit your individual needs. visit our commercial motorhome and caravan page for more information.

 

*please be aware some policies will exclude high theft items such as laptops in their policy wordings

 

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