Although caravan or mobile home insurance is not a legal requirement in Ireland, taking out a good insurance policy with adequate cover will help protect your caravan, belongings and mobile home in case something goes wrong.

For those that are unfamiliar with mobile home and caravan insurance, getting the correct insurance cover can be a minefield. It is important that you take the time to research your options to ensure you find a cover that’s right for you. Alternatively use an insurance broker like Britton Insurance to find the best cover available for your specific requirements.

Keep the following things in mind when insuring your caravan or mobile home.

Choose the Correct Type of Insurance

Just like the market is flooded with different types of caravans, there are many different types of caravan insurance policies.

In Ireland, there are mainly two types of mobile home / caravan insurance cover. The difference between insurance for a ‘mobile homes’ verses ‘caravan insurance’ is that some caravan policies need to cover ‘the caravan’ for travel purposes. Which means that you are covered for “touring”. This means that ‘touring cover’ is itemised within your caravan insurance policy. Mobile Home insurance does not necessarily need ‘touring cover’, as your mobile home is going to be situated on a permanent site and does not then need ‘touring cover’. Mobile Homes are generally categorised like a ‘holiday home’ because they stay put in one location and subsequently require ‘static’ insurance cover and not ‘touring cover’.

Cover Inclusions

Make sure you pick your cover based on your particular requirements. We highly recommend your mobile home or caravan insurance covers the following:

• A choice of market value or new for old.
• Damage or loss cover for theft, fire, storm and flood.
• Cover for European touring (if a touring caravan).
• Contents cover.