The situation with regard to Hobby caravan insurance is an interesting tale of evolution.
Hobby caravans and insurance
Hobby caravans are made in Germany and they managed to establish and maintain an enviable track record for quality built and precision engineered models.
Unfortunately, an entirely unwanted by-product of that reputation was the model typically also attracted thieves who were keen to own one but without going through the sordid business of actually needing to pay for it.
It was also the case that if damaged in an accident, Hobby parts may have been expensive to obtain as they were made in and imported from Germany.
The two things, taken together, meant that some insurers were reluctant to offer Hobby caravan insurance and it remained a specialist marketplace.
Inevitably, as in any situation where choice is limited, there may have been a knock-on effect on insurance prices.
Today
The good news is that today, such insurance cover is becoming more widespread and readily available.
It is now possible to obtain Hobby caravan cover from a wider variety of sources including online.
There may be some conditions of Hobby insurance that are less commonly found elsewhere though.
It may be necessary to carefully read the policy to see what these are in any given case but they may include things such as:
- cover limited to the UK (possibly even the UK mainland);
- a requirement to fit a tracker if one is not fitted as standard;
- the obligatory use of additional security devices including things such as hitchlocks and wheel clamps;
- possible restrictions on the nature of what caravanning sites may be used;
- the need to securely store your caravan off-road when not in use over the winter (some policies may require that it is stored in a secure storage site).
So, the good news for owners is that Hobby caravan insurance is becoming a little more widely available!
