Caravan awnings are an integral part of the caravanning experience, providing additional living space and comfort. As such, it's important for caravan owners to understand whether their insurance policies extend to include awnings. In this detailed article, we will look at the various aspects of insurance cover for caravan awnings, helping you understand what is typically covered, what is not, and how to ensure your awning is protected.
Many caravan insurance policies do offer cover for awnings as part of the package, but it's not always standard. The extent to which awnings are covered can vary significantly from one policy to another. It's important to check the specifics of your policy or to look for this feature when shopping for insurance.
The types of damage to awnings that are typically covered by caravan insurance policies include:
However, it's important to note that wear and tear, or damage due to neglect, is usually not covered.
Insurance policies usually set a claim limit for awning damage, which may be different from the general cover for the caravan. There are also likely to be certain exclusions; common ones include:
Some insurers may include awning cover as standard, whilst others offer it as an optional add-on. In cases where it's not included, you can usually add it to your policy for an additional cost.
Adding awning cover to your policy can affect your premium. The extent of this impact can depend on the value of the awning, the level of cover chosen, and the perceived risk associated with it (such as if you frequently camp in areas with extreme weather conditions).
If you need to make a claim for your awning, you will generally be required to:
Insurers may also request additional evidence or an excess payment as part of the claim process.
To ensure your awning is adequately covered, you should:
If you find that your current policy does not include awning cover or if the cover is inadequate, you have a couple of options:
Minimizing the risk of damage to your awning can help maintain your no-claims bonus and prevent insurance premiums from increasing. Here are some tips:
Before finalizing your insurance policy, you should ask your insurer several key questions to fully understand the awning cover provided:
Understanding these details upfront can save you from unexpected surprises in the event of a claim.
Whilst many caravan insurance policies do provide some form of awning cover, it is by no means uniform across the board. The level of cover, limits on claims, and policy exclusions vary significantly, so it's essential to understand the specifics of your policy. Ensure that you take steps to protect your awning and reduce the likelihood of damage, as this will benefit you in the long run by keeping insurance costs down and your awning in good condition.
If you're in the market for a new policy or considering an update to your current one, remember to review your awning cover needs. When you feel ready to find a policy that suits both your caravan and awning needs, don't hesitate to click the quote button for quotes from a panel of specialist insurance providers who understand the unique requirements of caravan owners and their accessories.
Home Is there a 2026 insurance guide? What does it cost? Are there ways of reducing it's cost? Are there common exclusions? Can I lend my van to a friend? Can I use it for foreign holidays? Can I insure one built abroad? Are there different types of policies? How does it differ from car insurance? Are third party risks covered? Can I buy insurance for a stored caravan? How do I choose the best policy? Is insurance mandatory? Shold I get new for old or market value cover? Are public liability risks included? Can I rent my caravan out? Can I insure a self built one? Can I transfer cover between caravans? Is it covered whilst being transported? Can young drivers get insured? Is accidental damage covered? Do I have to use approved security devices? Is theft protection included? Can I travel in Europe? How are valuations calculated? Will a criminal record stop me from buying cover? Will a bad driving record affect my premium? What effect will modifications have? Are the security measures that can lower premiums? Are there age limits for buying a policy? How do I get discounts on the premium? Are awnings covered? How does it's age affect premiums? Do motor movers affect premiums? Can I insure an old one? Is there special insurance for tourers? Should I install a tracking device? Can brokers help me to buy the right policy? Can I insure one for business use? Can multiple ones be insured on a single policy? What are the factors affecting premiums? Are breakdowns covered? What if I go to festivals? Can I pay the premium monthly? Are pets covered? Is storm or flood damage covered? What information must I provide to get a policy? Can I insure one to live in full time? Are there policy excesses I must pay? What should I look for in a policy? Are personal belongings covered? Is water leakage covered? Are there special policies for static vans?
