Lunar Caravan Insurance

How much does it cost to insure a Lunar caravan?

The total cost of insuring any caravan depends on several factors, just like insuring a car. However, depending on the LMC model and other factors listed below, expect to pay €100 – €400 for annual cover.

Generally, static caravans have relatively cheap insurance compared to touring caravans. This is because static caravans are less likely to get into an accident, unlike touring caravans, which are always on the road.

Several factors can influence the cost of insuring a caravan, and these include:

• The Lunar caravan model: The insurance will be based on the actual costs, so more expensive models will attract a higher premium, as they will cost more to replace if destroyed or stolen.
• New for Old Cover: Some caravan insurers will offer new for old caravan cover but is often restricted to caravans that are under 3-5 years old. This type of cover is more expensive than standard market value insurance, but if you have invested heavily it may be an attractive option.
• Storage & Location: If you can store your caravan safely when not in use, this will significantly reduce the cost of insurance compared to having it stored in a less secure location (e.g., driveway or street).
• Caravan Club Membership: Most insurance providers offer discounts to caravan owners who are members of a caravanning club.Modifications: Any changes made since the caravan left the factory can impact the cost, it is important to make your insurance provider of any such mods, for example, make your caravan wheelchair friendly. It is also wise to speak with your insurance provider before making changes and make sure any changes are professionally carried out.
• Modifications : Any changes made since the caravan left the factory can impact the cost, it is important to make your insurance provider of any such mods, for example make your caravan wheelchair friendly. It is also wise to speak with your insurance provider before making change and make sure any changes are professionally carried out.
• Age of Policyholder and Claims History: Owners under 25 are often considered higher risk than older caravan owners. It is best to build up a good history of no claims that will keep a lid on costs.
• Projected mileage: The number of miles covered over a year influences the cost of cover for your lunar touring caravan, the higher the miles covered, the increased risk to the insurance company. Conversely, limited road use can help reduce the cost of cover.