Caravan Insurance

Subject: Caravan Insurance
From: quantock
Date: 17 May 12 - 06:16 AM

I tried to get insurance for our new caravan today. When asked if the caravan use was leisure only, I told them (Saveguard UK) that there was a possibility that we would be paid as performers at some festivals, so there would be occasional business use. They told me that they could only insure caravans that were used for leisure purposes only. Does anyone know of companies that will insure caravans and include occasional business use? Any other suggestions?

Rob Williams

Subject: RE: Caravan Insurance
From: Leadfingers
Date: 17 May 12 - 06:31 AM

Roib - Is your Car Insurance for Business ? Try your Car Ins Co and check if that covers caravan usage .

Subject: RE: Caravan Insurance
From: Green Man
Date: 17 May 12 - 07:00 AM

Sleeping in your caravan isnt a business use. If you rent a bedspace that might be.

If I drive to a gig does that mean I am using my car for business if I get paid?

Better to apologise than ask permission. ;)

Subject: RE: Caravan Insurance
From: GUEST,Frug
Date: 17 May 12 - 08:20 AM

Try SAGA.

Subject: RE: Caravan Insurance
From: BrendanB
Date: 17 May 12 - 08:29 AM

Have you tried theCaravan Club or the Camping and Caravanning Club, they both do insurance.

Subject: RE: Caravan Insurance
From: Bonzo3legs
Date: 17 May 12 - 10:24 AM

I'm sure that the Caravan Club insure for business use.

Subject: RE: Caravan Insurance
From: gnomad
Date: 17 May 12 - 10:42 AM

Greenman: If you drive to a paid gig you have a pretty safe bet that your insurers will call it business use. If you do many such gigs they may claim you have mislead them as to your occupation as well, enabling them to avoid payment even if the claim is unrelated to the supposed business use.

They do not need to tell you this when you apply for insurance, as (in the UK at least) insurance is a contract uberrimae fidei. This means you are under an obligation to tell them all things material to the contract, even if they don't ask.

Subject: RE: Caravan Insurance
From: Richard Bridge
Date: 18 May 12 - 05:56 AM

Keep old caravan - not worth insuring! Tatty old caravan is also much less likely to get burgled. Lock instruments in boot of car (or under load cover in estate) with bugger alarm on so long as you can get car next to caravan, and keep machete (for cooking, honestly) on the hook by the caravan door.

Subject: RE: Caravan Insurance
From: Richard Bridge
Date: 18 May 12 - 05:59 AM

PS - while a contract of insurance is indeed one uberrimae fidei, I have never, ever, seen any "utmost good faith" on the part of the insurers (actually, with one exception, Sun Alliance, who have played straight with me over flooding at my house although they screwed me over my late mother's bungalow).

Subject: RE: Caravan Insurance
From: theleveller
Date: 18 May 12 - 06:24 AM

I agree with Richard about old caravans. I gave up insuring The Green Slime Caravan ages ago - although I'm now trying to have it registered as a Site of Special Scientific Interest due to the rare mosses and algae that cover it (inside as well as out, now).