Paul Baker caravan insurance review

We’ve analysed Paul Baker’s leisure homes insurance, which can also protect static caravans under 15 years old. There are two cover options to choose from – we’ve covered the key features.

If you own a static caravan, you’ll want to know you’ve got the right protection for your investment. Paul Baker can protect static caravans under its leisure homes insurance, which comes in two cover levels. This company says it deals with quotes, issues and renews policies, and handles claims directly. Here’s what else we think you should know.

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Who is Paul Baker?

Paul Baker is a specialist insurance company providing park home and leisure home insurance.

Its leisure home insurance caters for leisure homes, holiday lodges and static caravans, and comes in two cover levels.

In addition, it also offers park home, travel and home insurance through its sister company RK Shipman, specialists in home insurance.

What types of caravan insurance are available?

  • Leisure home insurance. Providing cover for the structure and contents of leisure homes, caravans and holiday lodges sited on licensed holiday parks. It comes in two cover options: Economy and Select.

What is covered under my Paul Baker caravan policy?

Some of the features and benefits to the Paul Baker caravan policy include:

Cover benefitsEconomySelect
Sum insuredUp to £150,000Up to £300,000
New for old
Liabilityup to £5 millionup to £5 million
Accidental damage✓ (limited to specified perils only)
Site clearance, re-siting and delivery
Replacement locksup to £100up to £1,000
Alternative accommodationup to £30,000up to £60,000
Public liability coverup to £5 millionup to £5 million
Personal belongingsup to £2,500up to £5,000
Personal accident cover
Home emergency assistance

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

Optional extras

Paul Baker doesn’t offer any extras to bolt onto caravan cover.

Compare caravan insurance

Updated September 23rd, 2019
Name Product Available Cover Offer Details
Accidental damage, new for old, emergency accommodation, European cover
Up to 20% off no claims, Caravan Club & security discounts
Underwritten by UK insurer Royal & Sun Alliance PLC (RSA)
Accidental damage, new for old, emergency accommodation costs, special occasions
Up to 20% off no claims, Caravan Club & security discounts
Underwritten by UK insurer Royal & Sun Alliance PLC (RSA)
Accidental damage, internal & external contents, new for old
-
Underwritten by Royal & Sun Alliance insurance PLC (RSA)
Accidental damage while towing, new for old, theft or attempted theft, public liability
-
Underwritten by Towergate Underwriting Group Ltd and AIG Europe Ltd
Accidental damage, new for old, theft public liability
-
Underwritten by Towergate Underwriting Group Ltd and AIG Europe Ltd

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General exclusions

Paul Baker 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 rot or any gradual deterioration
  • Mechanical faults
  • Deliberate or criminal acts
  • Any loss or damage that occurred before the policy start date

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

How to save on your caravan insurance policy with Paul Baker

  • Increase security. Fitting security alarms 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.
  • Join a club. Some insurers offer savings if you become a member of a camping, touring or caravanning club or association.

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 Paul Baker’s Economy policy, there is a compulsory excess of £100. There is no excess to pay on its Select policy.

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

What is the claims process for Paul Baker?

To make a claim, you can first call the Paul Baker claims line on 01242 508960. You will then be advised what to do next but you may also need to contact AXA as the insurance provider of your policy.

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.

Frequently asked questions

Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don't answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid. The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
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