What is car, boat and caravan insurance?
Car, boat and caravan insurance protects you against theft or accidental loss or damage against your asset.
Cover is typically written on one of three levels, and the right choice depends on the age and value of your vehicle, how often you use it, and the risks you face on and off the road.
Common Levels of Cover
- Comprehensive – protects your vehicle, boat or caravan against accidental damage,
theft, fire, storm, vandalism and third-party claims. - Third Party Fire and Theft – covers damage you cause to others, plus loss of your own asset from fire or theft.
- Third Party Property Damage – the minimum level of cover for damage you cause to someone else’s property.
Why Use a Car Insurance Broker?
A broker works for you, not the insurer, Adroit’s advisers can give you access to broader policy wordings and claims advocacy you won’t typically find going direct.
That means we can compare covers side by side, explain where policies differ, and help you avoid the common traps in cheap online quotes – such as restricted drivers, limited choice of repairer, or low agreed-value limits on caravans and boats.
Frequently Asked Questions
Anyone who has an asset that falls under one of these categories should have this insurance, both for their own peace of mind and because in most cases, it’s a legal requirement.
A policy can cover you against theft, accidental loss, or damage to your assets. Cover includes options like Third Party Fire and Theft and Third Party Property Damage. If loss or damage does occur, you’ll have cover in place to help repair or replace your asset.
Our talented insurance brokers can make sure you have the right insurance cover for you and your assets. They’ll work alongside you to find the best plan that works for your circumstances.
Most comprehensive boat insurance policies extend to accidental damage, theft, fire, sinking and liability while in the water or on the trailer. Caravan insurance cover generally includes annexes, awnings and limited contents, with optional add-ons for lay-up periods when the van isn’t in use.
How do I make sure I’m not underinsured? Review your sum insured each year. Replacement costs for late-model 4WDs, tow vehicles and caravans have risen sharply, and an agreed-value policy reviewed annually with your adviser is the safest way to keep cover aligned with what your asset is actually worth today.