Review by our travel insurance senior writer James Martin
Youi offers three tiers of caravan cover. Even its most basic cover will give you protection should you damage someone else’s property, and all policies include counselling services. Here is what you can choose from:
| Benefits | Comprehensive | Third party, fire and theft | Third party property only |
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| Accidental damage |
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| Intentional damage |
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| Storm or flood |
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| Fire or theft |
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| Earthquake |
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| Emergency accommodation, transport and repairs |
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| Legal liability |
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| Reasonable towing costs |
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| Locks and keys |
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| Contents inside the caravan |
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| Caravan park fees |
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| Animal death or injury |
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| Counselling services |
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| Annex |
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| Caravan contents upgrade |
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| Burnout of electric motor |
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| Business items |
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On top of its extensive list of inclusions, Youi offers a few additional options for extra cover, including:
As with all policies, there are exclusions you should be aware of, so be sure to read the fine print. General exclusions are:
Whenever you make a claim, you’ll need to pay a basic excess. You may be given the option of choosing your payable excess, but this will then affect the cost of your premiums. Certain situations will require you to pay an additional excess; these will be outlined in your policy. If your caravan or trailer was being driven or towed by someone not on your policy, you will have to pay an additional excess.
If you need to make a claim you simply call up, and the person to answer you is the person who’ll see your claim through to satisfaction. It’s important to remember that each claim can only relate to 1 incident and that you must take all reasonable steps to minimise and prevent any loss or damage.
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