Buying and Insuring a Caravan – The Ultimate Checklist

Buying and Insuring a Caravan – The Ultimate Checklist

If you are considering buying a caravan, you should always check it is free from issues that could be dangerous or make it impossible or expensive to insure.

Being part vehicle and part domicile, there are numerous things that can go wrong with a caravan, so checking for flaws before you hand over your money can save you time and expense later on, as well as helping to prevent accidents and injury.

Essential information to obtain before inspection

Before going to see a caravan, it’s vitally important to check that the appropriate credentials are in order. These include the service and ownership history, as well as more specialised documentation, such as gas and electrical certifications.

You should also find out the age of the caravan and where it has been kept previously, i.e. under cover or exposed to the elements, or how it has been used for travelling, as these will help identify specific issues that may need attention.

Inspecting a caravan – what you will need:

•  If you are going to be inspecting a caravan, make sure to take the following items with you:

•  Notepad and pen – to keep records of anything you uncover

•  Tape measure – to check the specifications are accurate

•  Camera (smartphone cameras are OK) – to take photos for referral

•  Torch – to check underneath the caravan and other less accessible areas

•  Damp meter – to check moisture levels in the caravan

Common issues with second hand caravans

Obviously, a second hand caravan is unlikely to be in mint condition. However, there is a huge difference between general wear and tear (scratches, fading etc.) and issues that compromise the safety of the caravan (rust, damp or electrical issues etc). There are many common issues to look out for when inspecting a caravan. On the exterior, be sure to check the following:

• Is there any rust visible on the exterior of the caravan (including underneath)?

• Are there any dents, scratches or other marks (including on the roof)?

• Are the tyres in good condition (i.e. with legal wear and tear)?

• Do all of the windows and doors open correctly?

• Does it look like any issues have been painted over?

• Are there any cracks in the chassis of the vehicle?

• Is the axle of the vehicle in good condition?

• Does the wiring and piping under the vehicle appear in good repair?

• Is the handbrake working properly?

• Does the jockey wheel wind up and down easily?

• Do awnings open and close as they should?

Inside the caravan, always check the following:

• Are all gas and electrical components or appliances in good working order?

• Are there any signs of damp? (Check with a damp meter)

• Is the floor of the caravan in a good state of repair?

• Does the caravan have a working smoke alarm and fire extinguisher?

• Are all doors, drawers and cupboards in good condition?

• Do the water sources work properly (e.g. shower, sink etc.)?

• Can the caravan be locked securely?

Insurance for caravans – important considerations:

Unlike car insurance, caravan insurance in Ireland isn’t a legal requirement. However, car insurance often doesn’t cover caravans, meaning you would need to take out a separate caravan insurance policy, to be protected. Even car insurance policies that do include caravans often have restrictions on weight or size, so it’s important to check you have the right cover.

There are two main categories of caravan insurance in Ireland, not including trailer tents or folding campers; these are ‘touring’, i.e. caravans being used to travel, and ‘static’, i.e. caravans being used as a holiday home in a fixed location, like a holiday park. Each of these types of insurance will have its own exclusions, but you should make sure:

• There are no restrictions on the age of your caravan

• The contents are covered

• Your awning is covered

• Damage to your caravan whilst being towed is covered

Increasing the security of your caravan will not only give you peace of mind, it could also reduce your insurance premiums. Methods to improve caravan security include the following:

• Clamp the wheels of your caravan, when not in use

• Use a hitch lock on your tow bar, when not in use

• Install an alarm

• Add a tracking device to your caravan

• Lock down the rear corner of touring caravans – security tags and corner steady locks

You should also check the usage cover, when insuring a caravan. This means making sure you have accurately disclosed the intended use of the caravan, i.e. ‘touring’ or ‘static’ (see above). You will also need to disclose whether anyone, other than yourself, will be using it.

Other considerations should include whether the caravan will be visible or hidden, and sheltered or exposed to the elements, as you may need to include additional cover for storm damage or the theft of valuables.Click here for a useful 100-point checklist to follow, when inspecting a caravan, prior to purchase.

Always review your policy regularly

It is generally considered good practice to review all your insurance policies regularly, to make absolutely certain you are covered in the event of you needing to make a claim.

However, if your ‘touring’ caravan is becoming ‘static’ or vice-versa, if you are thinking of upgrading your caravan, or if you simply haven’t reviewed caravan insurance policy prices for a while, you should definitely review your policy, to see if your cover will be affected or whether you could get a better deal.

Help with caravan insurance quotes

If you’re looking for an Irish caravan insurance company, talk to the friendly team at OBF, who can advise on the best caravan insurance policy for your needs.

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