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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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.
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.
Cover benefits | Venture (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 cover | 30 days | 180 days | 180 days |
Caravan repatriation from EU countries | ✓ | ✓ | |
Alternative accommodation | up to £2,000 | up to £3,000 |
Check your policy details carefully to ensure you have the right cover for your needs.
Optional extras for touring caravan insurance
Optional extras for static caravan insurance
Lifesure has some general exclusions that apply:
Check your policy for further details to confirm your cover is valid.
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.
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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