Leisure insurance
Elddis Caravan Insurance
cover for an Elddis tourer, built in County Durham and insured in its own right
Cover for an Elddis touring caravan in its own right. It answers for sudden damage, theft, storm and the contents carried, and it is rated on the value of the van, the storage arrangement and the security fitted.
- Built in County Durham
- Bonded body construction
- Storage drives the price
- FCA authorised and regulated
Quick answerAn Elddis is a touring caravan, so it needs its own policy. The car towing it extends third-party liability while the van is moving and nothing else: damage to the van, theft of it and anything that happens once it is unhitched all sit outside. Elddis builds in County Durham using bonded construction, which makes the repair route worth understanding. Tell us the van and where it is kept, and specialist UK brokers can come back with quotes.
New to caravan cover? Our caravan insurance page explains how it works.
At a glance
Start Here: a Elddis in Six Lines
Six things that decide what an Elddis costs to insure.
- The car policy stops at the coupling
- It covers towing liability only
- Storage moves the price furthest
- A graded site beats a driveway
- Declared locks become conditions
- Hitchlock and clamp, used every time
- Insure for replacement cost
- Not for what you paid for it
- Bonded bodies change repairs
- Which makes the settlement basis matter
- Continental trips are declared
- Counted in days, not journeys
The basics
How a Elddis Is Judged at the Quote
Elddis sits in the middle of the market and its vans are used hard by touring families, so an underwriter is looking at the value today, the storage arrangement and how many weeks a year the van is actually away.
The van itself
Make, model, year and berth.
What it is worth
Replacement cost today.
Where it is kept
A drive, a yard or a graded site.
Security fitted
Hitchlock, clamp, alarm, tracker.
Where you take it
UK sites, rallies or Europe.
Who tows it
Owners and anybody else permitted.
How it works
A Elddis Quoted in Four Steps
Four questions cover most of it: the van, the value, the security and where it sleeps. The last of those carries more weight than owners expect.
Describe the van
Make, model, age and value.
Describe how it is used
Weekends away, long tours, rallies, a seasonal pitch or European trips.
List the security fitted
Hitchlock, clamp, alarm, tracker.
Read the terms
Not just the premium at the bottom.
What it covers
The Parts of the Policy a Elddis Relies On
The sections that answer for sudden damage to the van, what is inside it, and the awning if you add it.
| Section | Where it sits | What to know |
|---|---|---|
| Impact and accidental damage | The main section | Including damage while manoeuvring |
| Fire and theft | Included | Storage and security are rated |
| Weather and flood | Included | A sited or stored van is exposed |
| Contents | Sub-limited | Declare anything of real value |
| Awning and porch | Usually added | High wind is the usual cause |
| Use in Europe | Confirm the limit | Counted in days, not trips |
| Public liability | Included | Injury or damage at the pitch |
Decide the settlement basis before the premium. New for old while the van is young enough, agreed value once it is older, market value only if neither is available. It matters more than a few pounds either way on the price.
What it leaves out
The Losses a Elddis Policy Turns Down
None of this is small print for its own sake. These are the gaps that catch caravan owners out, and several of them close by declaring something at the quote.
Water getting in over time
Damp is excluded or heavily limited on most contracts.
Frost and freezing damage
Unless the van was drained down as required.
Theft from an unapproved storage site
Where the policy names a site or a grade.
Items outside the van
Awning contents, cycles and gas bottles may need adding.
Hiring it out for payment
A different use, and a different policy.
Gradual water ingress
The commonest reason a caravan claim is refused.
The Elddis range
The Elddis Layouts Being Towed Today
Elddis builds across the touring range and also shares its factory with sister marques, so the specific van rather than the badge decides the sum insured.
Two and three berth tourers
Lighter and easier to store.
Four and six berth family layouts
The bulk of the range.
Twin-axle models
Higher value and easier to tow away.
Higher specification ranges
More to replace after a loss.
Older Elddis vans
Where agreed value earns its place.
Vans taken abroad
Declared, with a day limit.
A sister marque? See Compass caravan insurance.
Who it suits
The People Who Choose a Elddis
Elddis owners are mostly touring families and couples working through the season, and the way the van is used says more at the quote than the model does.
Touring families
School holidays and long weekends.
Retired couples
Extended trips through the season.
Buyers of used Elddis vans
Value and damp history questions.
Twin-axle owners
Higher values and more security.
Continental tourers
Longer trips abroad.
Seasonal pitch holders
One site for the year.
Buying a static instead? See static caravan insurance.
On site or on the road
A Elddis on Site vs One on the Road
A van on a seasonal pitch and a van touring the country are two different risks, and the policy should say which one yours is.
| Seasonal pitch | Touring | |
|---|---|---|
| Where it spends the year | One pitch | Sites, rallies and the road |
| Main exposure | Storm and flood | Impact and theft |
| Security expected | Site dependent | Hitchlock and clamp throughout |
| What must be declared | The pitch and site | Storage between trips |
Left on one site all year? See static caravan insurance.
Cost
The Factors Behind a Elddis Premium
The van, its value, where it is kept, the security fitted and the claims record. We do not print average premiums.
Why the value is asked for twice
An underwriter wants what the van is worth now and what replacing it would cost, and on a mid-market tourer those two figures can drift apart quickly. Setting them accurately is what stops a settlement falling short.
Why bonded construction is worth a mention
Elddis vans are bonded rather than screwed together, which changes how a damaged side or roof is put right. A clear settlement basis matters more here than on a van that can be unscrewed and rebuilt section by section.
What the quote is rated on
The main factors
- The vanMake, model, year and berthBase
- ValueReplacement cost, not purchase priceRate
- StorageHome, farm yard or graded siteRate
- SecurityHitchlock, clamp, alarm, trackerRate
- Claims and useRecent years, and where you tourAdjust
Store it behind a barrier
The strongest single lever.
Fit the devices asked for
And use them every time.
Value it for replacement
Not for what you paid.
The conditions
Four Things a Elddis Owner Must Settle
Conditions are where caravan claims are won and lost. The four below come up repeatedly.
Meet the declared security standard
Clamps, hitchlocks, alarms and trackers.
Register the van properly
A CRiS number links it to you.
Keep to the storage arrangement
Moving it changes the terms.
Keep the van serviced and damp-checked
It will not create cover, but it protects one.
Quote checklist
Pull This Together for a Elddis Quote
None of it is hard to find. Having it to hand is the difference between a quick quote and a drawn-out one.
Make, model and berth
Make, model, year, berth and the CRiS number.
Where it sleeps
A drive, a garage, a farm yard or a graded storage site.
Value and contents value
Two separate figures.
Security specification
What is fitted and what could be.
Everybody who tows it
Ages and licence history.
Previous claims
Including on the towing car.
Comparing
Setting Two Elddis Quotes Against Each Other
Set two quotes side by side and work through this. The differences will be here rather than in the premium.
The settlement basis
- New for old while the van is young enough
- Agreed value on older or rarer vans
- Market value, and what that means in practice
Where you can use it
- Days permitted in Europe
- Rallies and unlisted sites
- Seasonal pitches and long stays
On this van specifically
- Settlement basis on this van
- Contents and awning limits
- Storage and security conditions
Ask how a total loss would be settled. It is the question owners forget to ask. Unfamiliar terms are explained in our plain English jargon guide.
Cutting costs
Keeping Elddis Cover Affordable
The levers are storage, security, an accurate value and a clean record. We publish no savings figures.
Move it to a graded site
Storage drives the price.
Fit a tracker
Recovery odds change the rating.
Keep the value current
Under-insuring costs more later.
Build clean years
A caravan bonus is worth protecting.
Service it and check for damp
History supports a claim.
Compare every renewal
This market moves a great deal.
Glossary
The Words Behind a Elddis Policy
The words that come up once a Elddis caravan is insured in its own right.
- Replacement basis
- How a total loss is settled: new for old, agreed or market value.
- Agreed value
- A fixed sum, useful where a van is unusual or no longer built.
- Total loss
- Where repair is not economic and the policy settles instead.
- CRiS
- The register that records touring caravan ownership.
- Security devices
- Hitchlocks, clamps, alarms and trackers, often conditions.
- Tracker
- A device that helps recover a stolen van, and can help the premium.
- Damp
- Long-term water ingress. The commonest reason a caravan claim is refused.
- Seasonal pitch
- A pitch kept for a season, which changes where the van stands.
- Contents limit
- The most the policy pays for belongings inside.
- Voluntary excess
- An amount you choose to carry to reduce the premium.
Why MyMoneyComparison.com
Why Elddis Owners Compare Through MyMoneyComparison.com
MyMoneyComparison.com is an FCA-authorised UK comparison service that introduces caravan owners to specialist brokers. We do not sell insurance and we do not give advice: the broker you choose arranges the policy. Using us is free.
One form, one caravan
Describe the caravan once, instead of repeating yourself to each broker.
Advice given
We are an introducer, not a broker. We do not sell policies and we do not recommend one insurer or product over another. Read our editorial policy.
Authorised and regulated
MyMoneyComparison.com Ltd appears on the FCA register under FRN 916241.
Incorporated
A UK company since 2013. FCA authorisation is separate and later; the register carries its date.
FAQs
Elddis Caravan Insurance FAQs
Answers on the towing car, new for old, storage, security devices and damp.
Does the towing car insure the Elddis?
Only for third-party liability while the van is hitched and moving. The caravan itself, its contents and everything that happens once it is unhitched need a caravan policy of their own.
What security is expected on an Elddis?
A hitchlock and a wheelclamp as the minimum, used whenever the van is left, with an alarm or tracker often asked for on higher-value models. Whatever you declare becomes a condition of the theft cover.
Is new for old worth taking?
While the van is inside the age limit, yes. It replaces a written-off caravan with an equivalent new one rather than settling on what a used example was worth, and the gap is usually substantial.
How are bonded bodies repaired?
Differently from screwed and battened construction, and by fewer workshops. That is one reason to settle the basis of claim in advance rather than discovering the repair route after an incident.
Is damp covered?
No, on an Elddis as on any caravan. Water arriving gradually through seams and seals is treated as maintenance rather than a sudden event, and it is the commonest reason a caravan claim fails.
Does a service history matter?
It does. A van serviced with a damp check each year is easier to place and easier to claim on, and the record supports you when something sudden happens.
Can I leave it on a seasonal pitch?
Yes, but tell the insurer. A van left on one site all year is exposed to weather rather than to the road, and the rating reflects that quite differently from touring use.
Is a motor mover covered?
Usually only where declared. A mover is a valuable fitted accessory and can fall outside the standard contents figure, so mention it rather than assuming it is included.
What does a caravan policy actually cover?
Sudden damage to the van, theft, storm and flood, a limit for contents and usually liability while it is pitched. What it does not cover is gradual deterioration, which includes damp.
How should I value the caravan?
On what it would cost to replace with an equivalent, not on what you paid. Values move, and a figure that was right three years ago will usually be short today.
Are my belongings inside it insured?
Up to a limit, which is separate from the van itself and often lower than owners expect. Anything of real value is worth declaring individually rather than hoping the general limit stretches.
Can I tour in Europe on it?
Usually, once it is declared, and commonly with a cap on the number of days. Tell the insurer before you go rather than assuming the cover travels with you.
What happens if it is stolen from storage?
The policy responds, provided the security you declared was in place and the site is the one on the schedule. Those two conditions decide most caravan theft claims.
Should I fit a tracker?
On a higher-value van it is usually worth it. Recovery rates improve considerably and insurers recognise that, particularly on twin-axle vans, which are attractive to take and easy to move.
Does a service history help?
Yes, and especially the damp check. Damp is excluded as a gradual loss, so a documented history of it being looked for and dealt with protects you when something sudden happens nearby.
What if I change storage site?
Tell the insurer before you move it. Storage is a rated field and a quiet change is the kind of thing that surfaces awkwardly after a theft.
Ready when you are
Put Your Elddis in Front of Brokers
Tell us about the Elddis caravan and where it is kept. Specialist UK brokers can then come back with quotes. Free to use, with no obligation to buy.
- Single and twin axle tourers, UK and European use
- Free to use, no obligation
- FCA authorised and regulated
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About this page
This page explains UK Elddis caravan insurance: cover for an Elddis tourer, what its bonded construction means for a repair, and why the towing car’s policy stops at the coupling. It is general information rather than advice. Policies differ between insurers, so read your own documents and put the questions raised here to your insurer or broker.
How we approached this page
- Published UK caravan and holiday home policy summaries
- Storage, security devices, settlement bases and European use
- Financial Ombudsman material on motor insurance complaints
Legal & Regulatory Information:
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