Lifesure caravan insurance

Lifesure caravan insurance review

We've analysed the caravan insurance available through Lifesure. The broker offers several levels of touring caravan cover. Its static caravan policy includes accidental damage as standard.

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Liz Edwards

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Lifesure offers four levels of cover for touring caravans. Its static caravan insurance can provide protection for up to £150,000. It also says that owners can choose new for old policies for caravans up to 20 years old. Here’s what else we think you should know.

Who is Lifesure?

Lifesure is a specialist insurance broker arranging caravan, motorhome, park home and property, car and home insurance. The Lifesure Group was established in 1971.

Its touring caravan insurance comes in four different cover levels to suit a range of needs and budgets. Its static caravan insurance has also been adapted specifically for owners that live in their static caravan permanently, or owners of two or more caravans.

What types of caravan insurance are available?

  • Static caravan insurance. For UK-based caravans valued up to £150,000.
  • Touring caravan insurance. Four tailormade policies, including:
    • LifesureCaravan Venture. For caravan and contents cover up to £9,000 and for people with little or no no-claims discount.
    • LifesureCaravan Freedom. For caravan and contents cover up to £30,000).
    • LifesureCaravan Elite. For caravans valued up to £40,000 that don’t have a tracking device fitted or are not stored at a Caravan Storage Site Owners Association (CaSSOA) site.
    • LifesureCaravan Exceed. For caravans valued up to £42,500 that either have a working tracking device fitted or are stored at a CaSSOA site.
  • Residential static caravan insurance. For anyone living in a static caravan, this provides protection for personal possessions.
  • Static fleet insurance. Cover available for two or more static caravans.

What is covered under my Lifesure caravan policy?

Cover benefitsVenture (caravans valued up to £9,000)Freedom (caravans valued up to £30,000) and Elite (caravans valued up to £40,000)Exceed (caravans valued up to £42,500)
Public liability cover up to £2 million✓✓✓
Fixtures and fittings cover✓✓✓
Awning cover✓✓✓
Accidental damage cover✓✓✓
Fire, theft, vandalism cover✓✓✓
Storm and flood cover✓✓✓
European cover30 days180 days180 days
Caravan repatriation from EU countries✓✓
Alternative accommodationup to £2,000up to £3,000

Check your policy details carefully to ensure you have the right cover for your needs.

Optional extras for touring caravan insurance

  • Key cover
  • Caravan breakdown cover (UK only)
  • Enhanced uninsured loss recovery service up to £100,000
  • Liability to the public up to £5 million
  • New for old cover for caravans 20 years of age or under
  • Accidental damage cover
  • Fire, theft and attempted theft cover
  • Vandalism cover
  • Storm and flood cover
  • Friends and family use cover
  • Loss of use and hiring charges cover up to £10,000
  • Contents of sheds, outbuildings or locked storage containers cover up to £300
  • Key and lock cover up to £350
  • Debris removal, delivery and re-siting cover
  • Cover for decking, skirting, steps and balconies
  • Contents and personal effects cover
  • Theft or accidental damage to outside furniture while the caravan is in use

Optional extras for static caravan insurance

  • Key cover up to £1,500

General exclusions

Lifesure has some general exclusions that apply:

  • When your caravan is being used for a purpose not included under your policy
  • General wear and tear
  • Rust, corrosion or any gradual deterioration
  • Mechanical faults
  • Faulty workmanship
  • Deliberate or criminal acts
  • Any loss or damage that occurred before the policy start date
  • Damage caused by vermin, rot or fungus

Check your policy for further details to confirm your cover is valid.

How to save on your caravan insurance policy with Lifesure

  • Increase security. Fitting security alarms, immobilisers, tracking devices or cameras could be a good way to deter thieves.
  • Increase the excess. Agreeing to pay a bigger voluntary excess could make your overall premium cheaper. But remember that your insurer won’t pay out for a claim that costs less than your excess. So be careful about making it too high, as it could leave you out of pocket if damage occurs.
  • Increase safety. Installing devices such as electronic anti-snaking devices, axle wheel locks to the caravan chassis or tyre pressure monitoring systems to caravan tyres, could result in additional discounts.
  • Join a club. Savings could be made by becoming a member of a camping, touring or caravanning club or association.
  • Check the discounts. Lifesure can offer customers savings of up to 45% on a policy so it’s worth checking to see which might apply.

What is my excess?

Your insurance excess is the amount of money you have to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount.

A voluntary excess is normally an amount set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess, which could in turn reduce your premium.

Meanwhile, a compulsory excess amount might vary depending on the age and standard of your caravan or your driving experience.

With Lifesure, the excess for its touring caravan insurance varies depending on the level of cover you have. Its venture policy has an excess of £125 (£250 in Europe) while all other touring caravan policies have an excess between £100 and £250.

You’ll find details about any compulsory or voluntary excesses in your policy document.

What is the claims process for Lifesure?

You can call the Lifesure claims line on 01480 402476 to make a claim relating to a static caravan insurance policy. This 24-hour claims line is open seven days a week.

If you would like to make a claim relating to a touring caravan insurance policy, the claims line numbers vary depending on which level of cover you have:

Freedom and Venture policyholders can call 01732 848077 during office hours or 01480 402476 at all other times.

Elite policyholders can call 0845 2075834 during office hours or 01480 402476 at all other times.

Exceed policyholders can call 0191258 8123.

You’ll need to have your insurance policy details as well as all facts about any incident to hand.

It’s important that you let your insurer know about an incident as soon as possible, even if it’s not your fault. A delay in reporting an incident or failure to report it could result in a rejected claim later on.

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