Does Caravan Insurance Cover Storm Damage?

Here, we’ll take a closer look at what storm damage means, what’s usually included in a caravan insurance policy to protect against inclement weather, and what you need to know to make sure you’re protected on a rainy day.

What is storm damage?

Storm damage essentially means harm caused by severe weather that affects your caravan. Naturally, caravans are often exposed to the elements, so they can be particularly vulnerable during bad weather. Here are just a few ways that stormy weather can cause damage to your static or touring caravan:

• High winds: These can rip off awnings, break windows, and even damage the roof.
• Heavy rain: Persistent rain can lead to leaks and water getting into your caravan.
• Hail: Large hailstones can crack windows or dent the caravan’s body.
• Flooding: If your caravan is situated in an area that’s prone to flooding, rising water can cause serious damage to the structure and interior, such as mould and ruined carpets.

Is storm damage covered by caravan insurance?

Yes, storm damage is usually covered by most caravan insurance policies. With Towergate’s insurance policies, whether you’ve got a touring or static caravan, we can provide protection against damage caused by things like high winds and flooding.

What’s typically covered?

In general, a static or touring caravan insurance policy will cover you for damage from storms, including things like debris being blown into your caravan or water damage from flooding after a lengthy spell of rain.
However, as with any type of insurance, it’s always good to check your policy details. Some policies might offer more extensive coverage than others. Towergate policies protect touring and static caravans from storm and flood damage as standard, but just be aware of some exclusions to storm damage which can include:

• Loss or damage caused by frost
• Loss of or damage to hedges, gates and fences
• Loss or damage caused by underground water or ground water rising
• Loss or damage caused by subsidence, heave or landslip

Additionally, belongings left outside the caravan may not be included or subject to additional requirements or limits.

What to watch out for

As with any insurance policy, there are a few conditions to keep in mind. To make sure your claim goes smoothly, it’s important that you try your best to keep your caravan well-maintained and secured. If it isn’t properly looked after, your claim may not be covered. Always read your policy documents to see exactly what’s covered and to understand any additional requirements or limitations.

Ready to protect your caravan?

Making sure your caravan is protected from storm damage starts with having the right insurance policy in place. The type of caravan you have, how much it’s worth, as well as any extra security you have in place can all play a part in how much your policy will cost. It’s always worth shopping around for quotes and taking a good look at what’s included.

At Towergate, we make it simple to tailor your insurance to fit your caravan, whether it’s a touring or static model, so you can hit the road knowing you’re prepared for whatever the weather throws your way.

Caravan insurance from Towergate

Get a quote today, either online or by phoning us on 0330 808 9130.

About the author

Adam Summersby is a respected leader with 11 years’ varied experience in niche personal and commercial lines insurance, including caravan, site operators and excess reimbursement, with proficiency in leadership, sales and account management.