Dial Direct Caravan and Trailer Insurance

Caravans and trailers can be covered for loss or damage either separately or in combination with other risks. Cover of  the caravan or trailer also includes loose items such as crockery and cutlery being transported by the caravan or trailer.

A caravan is covered only if it is used for domestic or pleasure purposes. The caravan is covered if it is stolen or damaged and will be paid out at a reasonable market value. Should the caravan need towing or storage this will also be covered provided that the Dial Direct Towline is called. Third party cover is also applicable up to a limited amount should you be responsible for the accident or damage to a third party. Cover does not apply if you are driving without a valid licence or an endorsed licence, the vehicle is not roadworthy or driving recklessly or while under the influence. Loose contents inside the caravan must be mentioned separately and will be covered under loose contents cover.

Loose contents cover covers loss or damage to all loose contents belonging to you or your family members living with you that are kept inside the caravan. These items must be mentioned in the schedule. Cover does not include items insured elsewhere in your policy or items used for business or trade purposes.

Trailers can also be covered through Dial Direct provided that they are used for recreational, social and pleasure purposes. The trailer will be covered for reasonable market value for loss or damage incurred. Towing and storage are also covered if the Dial Direct Towline is used. As for caravans third party cover is given up to a certain limit. Cover does not apply to un-licenced vehicles or un-roadworthy vehicles, driving recklessly or under the influence.

The above insurance provides comprehensive cover for all your caravan and trailer needs, including items which may transported in these vehicles. It is important to remember that an excess is payable on claims made in connection with the above items.