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.
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.
Who is Lifesure?
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.
Lifesure works with a small panel of insurers that underwrite its caravan insurance policies, including MS Amlin (static caravan insurance only), UK General insurance, Argenta (touring and static caravan insurance).
Lifesure Group Ltd is authorised and regulated by the Financial Conduct Authority.
What types of caravan insurance are available?
Static caravan insurance. For UK-based caravans valued up to £150,000.
Touring caravan insurance. Four tailormade policies, including:
LifesureCaravan Venture. For caravan and contents cover up to £9,000 and for people with little or no no-claims discount.
LifesureCaravan Freedom. For caravan and contents cover up to £30,000).
LifesureCaravan Elite. For caravans valued up to £40,000 that don’t have a tracking device fitted or are not stored at a Caravan Storage Site Owners Association (CaSSOA) site.
LifesureCaravan Exceed. For caravans valued up to £42,500 that either have a working tracking device fitted or are stored at a CaSSOA site.
Residential static caravan insurance. For anyone living in a static caravan, this provides protection for personal possessions.
Static fleet insurance. Cover available for two or more static caravans.
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
Key cover
Caravan breakdown cover (UK only)
Enhanced uninsured loss recovery service up to £100,000
Liability to the public up to £5 million
New for old cover for caravans 20 years of age or under
Accidental damage cover
Fire, theft and attempted theft cover
Vandalism cover
Storm and flood cover
Friends and family use cover
Loss of use and hiring charges cover up to £10,000
Contents of sheds, outbuildings or locked storage containers cover up to £300
Key and lock cover up to £350
Debris removal, delivery and re-siting cover
Cover for decking, skirting, steps and balconies
Contents and personal effects cover
Theft or accidental damage to outside furniture while the caravan is in use
Optional extras for static caravan insurance
Key cover up to £1,500
General exclusions
Lifesure 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 or any gradual deterioration
Mechanical faults
Faulty workmanship
Deliberate or criminal acts
Any loss or damage that occurred before the policy start date
Damage caused by vermin, rot or fungus
Check your policy for further details to confirm your cover is valid.
How to save on your caravan insurance policy with Lifesure
Increase security. Fitting security alarms, immobilisers, tracking devices 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.
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 a camping, touring or caravanning club or association.
Check the discounts. Lifesure can offer customers savings of up to 45% on a policy so it’s worth checking to see which might apply.
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 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.
What is the claims process for Lifesure?
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.
Frequently asked questions
Yes. If you wish, Lifesure policies can start instantly.
All Lifesure caravan quotes are valid for 30 days.
Yes, Lifesure offers policies that can be paid in full or by monthly direct debit payments.
No. Lifesure 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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