With caravans growing ever-popular, Sureterm's friendly and knowledgeable team understands exactly what the ideal caravan insurance package should include. We have an enviable track record in providing outstanding caravan insurance to thousands of owners.  If you use a 4x4, Landrover, Discovery or Freelander to tow your caravan, then check out our 4x4 insurance, Landrover insurance, Discovery insurance and our Freelander insurance.  You'll be pleasantly surprised at how much money we can save you.

Sureterm tips on how to get cheaper caravan insurance

• Being or becoming a member of a caravan club will often get you a 15% discount through Sureterm Direct.
• Garage your caravan if you can.
• Opt for a voluntary excess or increase the excess above the required minimum.
• Fitting an Immobiliser, Alarm or Tracker will benefit from even further discounts.
• Insure your caravan through Sureterm Direct Insurance!

• Caravan Owners Club Discount
• New for Old Cover
• £5,000 personal effects cover
• £2,000 cover for Awnings and Gas Bottles
• Public Liability cover £2,000,000
• Imported caravans including Hobby and Fendt
• Cassoa Site Discounts
• Monthly Instalments
• Security Discounts
• No Claims Bonus Discounts
• Annual European Cover included for FREE

Some common caravan insurance policy items and glossary of terms:

Agreed value: If you have added lots of accessories or worked hard on major modifications to your caravan, you may wish to have the insured value of your vehicle reflect it's true worth. Sureterm Direct Insurance can include an Agreed Value upon request at no additional cost on most caravans.
Approved repairer: A repairer we have approved and authorised to repair your caravan following a claim.
Awnings Cover; Sureterm Direct insurance offer a no quibble cover up to £2000, regardless of the type of caravan awning.
Betterment: Where the results of repairs or replacement due to the loss of your caravan results in the insured receiving something
better than he had before the loss. The difference is known as "betterment." In most instances, this difference is discussed before the repairs or replacement is made and the insured has agreed to an appropriate figure as to his contribution for this "betterment." This is also referred to as "new for old."
Compulsory Excess: If you make an insurance claim, this is the amount you agree to pay yourself to repair your caravan.
Contents Cover: There is no individual limit with Sureterm Insurance.  The total cover is for a fantastic £5000.
European Use / Green Card: If you tow your caravan abroad, this is insurance designed to make it unnecessary to apply for insurance at the border of each country. It confirms that you have at least the minimum legal insurance cover.
Insurance is the transfer of risk by an individual, such as yourself, for your caravan, or an organisation, such as your business, to the insurance company. You or your organisation will thus be known as the policy holder for the caravan. The insurance company receives payment in the form of a premium and will compensate you in the event of losses or damages sustained by you or your caravan.
Legal Expenses Insurance: Legal Expenses Insurance is an optional extra to your caravan insurance to meet legal and recovery costs for your “uninsured losses” resulting from an accident. For example, you may need to sue the Third Party for recovery of your out of pocket excess after an accident involving your caravan. You may also have had to hire a caravan or may need to obtain compensation for an injury arising from an accident, which was not your fault. Such things are not always covered under your caravan insurance policy itself. A legal expenses policy to meet those legal costs is a must. 
No-Claims Bonus: You get a discount on your insurance premium if you tow your caravan without making a claim on its insurance. It is sometimes possible to pay extra to protect your bonus in the event of a claim.
Proposal Form: The proposal form is the basis of the contract for insurance on your caravan. It is probably the most important aspect of the cover process. This form may be a written hard copy form or may be taken from the entered details on the system. As insurance is an intangible product whose price is based on the information provided by you then any errors or non-disclosure of material facts can result in the policy being voided. Check with your insurance advisor if you have any difficulties or need advice. Also, if you know of something, which the Insurance Advisor ought to know, but the proposal form doesn’t ask that question, do not think that you do not have to tell them. You have a legal duty to disclose all facts.
Salvage retention: Your caravan may be declared a write-off. Sureterm Direct Insurance allows as standard a buy back option to buy back the wreckage in the event of a major accident. In some cases however, the caravan is so badly damaged that the insurance company is required by law to have the vehicle destroyed.
Voluntary excess: You can sometimes get a cheaper insurance premium on your caravan by arranging to pay an agreed sum in the event of a claim
Windscreen Cover: Windscreens are only covered under Comprehensive Private Car policies through Sureterm Direct Insurance and are subject to different excesses than the main policy. A damaged windscreen on your caravan (i.e. scratched) may not have any excess if repaired by the approved Insurers Windscreen Company. Windscreen claims rarely affect the no claims bonus.

Types of caravan insurance policies that Sureterm insurance offer:

• Comprehensive Motorhome Insurance
This is the highest level of caravan insurance available. It will cover Thirty Party, Fire and Theft but will also cover damage or loss of your own caravan up to the insured value of the vehicle. Comprehensive caravan insurance will also cover you against death or injury to yourself and your spouse (if they are travelling with you). With Sureterm caravan insurance, our cover includes Glass Cover, another caravan in the event of an accident, an approved repairer network, salvage retention option and agreed value even upon request.

• Third Party Fire and Theft Caravan Insurance
In addition to the cover offered at Third Party level you also have caravan insurance incase your caravan is stolen or damaged by a fire. 

• Third Party Insurance
The law requires that you have this minimum level of insurance. If you are even partly to blame for an accident then your insurance company will pay for the other person’s caravan, car or property and also for any injury to them. This level of caravan insurance is very cheap but will not cover any damage to your own vehicle.

Call now on 0800 999 2030 for a FREE caravan insurance quote and learn about the savings and the increased policy benefits we offer.

SURETERM DIRECT...1st FOR CARAVAN INSURANCE