We've checked out the touring and static caravan insurance from The Insurance Emporium. There are several levels of cover - we've shown what you get in each.
Whether you have a static or a touring caravan, you’ll want to make sure it is properly protected. The Insurance Emporium offers a range of levels to suit different requirements and budgets. And what’s more, the company claims to offer big discounts on new policies. Here’s what else we think you should know about this insurance provider.
Who is The Insurance Emporium?
The Insurance Emporium provides a wide range of specialist financial products such as caravan, bicycle, pet, horse and wedding insurance, amongst others.
Its caravan insurance can cater to owners of both touring and static caravans and comes in a range of cover levels.
The Insurance Emporium is a trading name of The Equine and Livestock Insurance Company Limited or E & L, which has been in operation for more than 70 years.
Insurance Emporium caravan policies are underwritten by The Equine and Livestock Insurance Company Ltd.
The Equine and Livestock Insurance Company Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
What types of caravan insurance are available?
Touring caravan insurance. This is relevant for anyone towing a caravan on the roads for leisure. This is not a legal requirement but worth considering to keep a caravan protected whilst being towed. The Insurance Emporium offers three different comprehensive cover levels to suit varying budgets including Trip, its most basic policy, Voyage, a mid-level policy and Quest, its highest and most comprehensive policy.
Static caravan insurance. This type of insurance is best suited to a caravan that is permanently fixed in one place. Although this is not a legal requirement, most holiday parks will require a basic level of protection in the form of caravan liability insurance. The Insurance Emporium offers three different comprehensive cover levels including Classic, its most basic policy, Prime, a mid-level cover option and Elite, its most comprehensive policy.
What levels of cover does The Insurance Emporium offer?
Trip. This is a basic cover option that includes protection against fire and theft, storm and flood and accidental damage, as well as 200 days European cover and public liability cover up to £1.25 million.
Voyage. This is the mid-level policy that includes enhanced public liability cover up to £1.75 million and 240 days of European use.
Quest. This is the highest level of cover with 280 days of European cover, public liability up to £2.25 million as well as a host of other benefits.
Classic. This is a basic level option that includes fire and theft, storm and flood and accidental damage. It also has public liability cover up to £1.25 million and personal accident cover up to £15,000.
Prime. This is a mid-level policy that includes enhanced public liability cover up to £1.75, personal accident cover up to £30,000 as well as a number of other benefits.
Elite. This is highest cover option available and comes with public liability cover up to £2.25 million, personal accident cover up to £50,000 and a range of other features.
What is covered under my Insurance Emporium caravan policy?
These cover benefits are based on paying for the touring and static caravan policies annually or spread out monthly (calendar month). The Insurance Emporium also offers policyholders the opportunity to pay for their premium every 28 days (lunar month).
Those choosing to pay every four weeks via The Insurance Emporium’s Lunar Monthly policy are likely to see increased premiums compared to making one, full payment or paying each calendar month. However, there are increased cover limits to certain benefits, including personal accident cover and public liability cover.
Check your policy details carefully to ensure you have the right cover for your needs.
Optional extras
The Insurance Emporium offers a range of optional extras to bolt onto a caravan policy:
The Insurance Emporium has some general exclusions that apply:
When your caravan is being used for a purpose not included under your policy
Mechanical or electrical breakdown
Depreciation of your caravan
General wear and tear
Manufacturing defects
Rust, corrosion or any gradual deterioration
Check your policy for further details to confirm your cover is valid.
How to save on your caravan insurance policy with The Insurance Emporium?
Increase security. Fit security alarms and immobilisers to deter thieves. Fitting a security camera or tracking device may also be a good idea.
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 the Caravan Club.
Check the discounts. The Insurance Emporium has a range of discounts that can be applied to your premium so check which discounts apply to you so that you get the savings you deserve.
Multi-policy discount. If you already have two or more other policies with The Insurance Emporium, you could be entitled to a multi-policy discount.
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.
You’ll find details about any compulsory or voluntary excesses in your policy document.
What is the claims process for The Insurance Emporium?
You can make a claim by visiting the Existing Customers section of The Insurance Emporium website. Once there, you will need to complete and submit an initial short form, which will then generate a link to the actual claims form.
You will then need to print this out, complete it and either fax it to 03300 241 971 or post it back to The Insurance Emporium at the following address:
The Insurance Emporium Thorpe Underwood Hall Great Ouseburn York YO26 9SS
If you have difficulties finding the suitable claim form relating to your claim online, you may call 03300 244 006 for further assistance. This line is open Mondays – Fridays 8am-7pm and Saturdays 9am – 12pm.
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
Yes. If you wish, The Insurance Emporium policies can start instantly.
A quote from The Insurance Emporium is valid for 21 days.
Yes, The Insurance Emporium offers policies that can be paid in full, by monthly direct debit payments every calendar month or by payments every four weeks.
No. The Insurance Emporium only offers annual caravan insurance policies.
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Liz Edwards has been a consumer writer and editor for more than 20 years. She led award-winning teams at the campaigning publisher Which?, and has covered a range of consumer rights and personal finance topics including pensions, credit, banking and insurance. Liz has appeared frequently in national media such as The Sun, Metro, HuffPost and The Independent. She loves to cut through waffle to give consumers the real lowdown. And she loves puns. See full bio
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