Ripe insurance offers cover for both touring and static caravans, as well as more niche vehicles. Find out what's included in the policy and how to get the best deal for your needs.
Ripe offers a broad range of niche insurance products. Since launching in 1998 with The Golfers Club, the company has expanded to offer a number of insurance products, including for caravans, lodges, cabins, chalets and trailers.
Who underwrites the caravan insurance from Ripe?
The caravan insurance from Ripe is underwritten by RSA (Royal & Sun Alliance Insurance plc).
Ripe is authorised and regulated by the Financial Conduct Authority.
What types of caravan insurance are available?
Touring caravan insurance. This is relevant for anyone towing a caravan on the roads for leisure. While not a legal requirement, this type of cover is worth considering to keep a caravan protected whilst being towed.
Static caravan insurance. This type of insurance is best suited to a caravan that is permanently fixed in one place. Most holiday parks will require a basic level of protection in the form of caravan liability insurance to host a caravan on their property.
Ripe also has more tailored insurance policies on offer:
5th wheel caravan insurance. This has been adapted from the touring caravan insurance to provide specialist protection for “5th wheelers” or “5vers” caravans, which are gaining a steady following in the UK.
Trailer tent insurance. Specialist cover for towing and storage all year round, as well as storm and flood cover.
Folding camper insurance. This specialist insurance provides year-round protection against “all risks” for touring and storage.
Folding caravan insurance. This adapted touring caravan insurance provides cover while a folding caravan is in storage, being towed or pitched on site.
Hiring out and loss of earnings cover for static caravans
Emergency accommodation or caravan hire cover up to £100 a day for 30 days
General exclusions
Ripe 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 Ripe
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 a national or regional caravan owners’ club.
Check the discounts. Caravan Guard 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.
What is the claims process for Ripe?
If you need to make a claim, you can contact Ripe’s claims department in any of the following ways.
Calling 0344 274 0272
Sending an email to newclaim.caravans@davies-group.com
Writing a letter to Ripe Insurance for Caravans Claims, Davies Group, PO Box 2801, Hanley Stoke on Trent, ST4 5DN
You’re encouraged to report any lost or stolen items as soon as possible. It’s also important that you take reasonable steps to minimise any further damage or loss from happening.
Verdict
Ripe offers a decent comprehensive policy for both touring and static caravans. The company’s specialised policies will appeal to owners of more niche caravans as well.
Yes, if you buy the European cover add-on, you’ll be covered for 180 days per year in the following countries: Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Italy including the Vatican City, Latvia, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland
For general queries or to make amendments to your policy, you can:
Call 0344 274 0271
Email caravans@ripeinsurance.co.uk
Write a letter to Customer Services Department, Ripe Insurance for Caravans, The Royals, Altrincham Road, Manchester , M22 4BJ
As well as caravan insurance, Ripe offers the following types of insurance.
Golf Insurance
Cycling Insurance
Shooting Insurance
Extreme Sports Insurance
Sports Player and Teams Insurance
Sports Team Coaching Insurance
Leisure Insurance
Boat Insurance
Music Insurance
Photography Insurance
Personal Insurance
Valuables Insurance
Business Insurance
Drone Insurance
Personal Trainer and Fitness Instructor insurance
Small Business Insurance
DJ Insurance
You can cancel by sending an email to caravans@ripeinsurance.co.uk.
If you cancel within 14 days of the policy starting, you’ll receive a full refund (provided you haven’t made a claim).
If you cancel after the 14-day cooling-off period, you may receive a pro-rata refund, minus a £30 administration fee (provided you haven’t made a claim).
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Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio
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