Leisure insurance
Lunar Caravan Insurance
cover for a Lunar tourer, and the question of when a repair is still worth doing
Cover for a Lunar touring caravan, now a used-market van. It answers for sudden damage, theft and storm, and because the marque is no longer built the repair-or-settle question and the agreed value behind it carry unusual weight.
- A Preston-built marque
- Now bought used
- Repair thresholds matter
- FCA authorised and regulated
Quick answerLunar built in Preston and its vans are now bought second-hand rather than new. That puts a particular question at the centre of the cover: at what point does a repair stop being worth doing and become a settlement instead. On a marque no longer in production that line arrives sooner than owners expect, which is why the basis of claim matters. Tell us the van and what it is worth, and specialist UK brokers can come back with quotes.
Another marque no longer built? Our Abbey caravan insurance page covers those vans.
At a glance
Six Points About Insuring a Lunar
Six things that matter when insuring a Lunar today.
- Repairs reach the write-off line sooner
- On a van with a modest market value
- An agreed value changes that maths
- Fix the figure in advance
- Condition beats the year
- A cared-for Lunar is worth more
- The damp record is the key document
- Ask for it before buying
- Storage still leads the rating
- Whatever the age of the van
- Parts come from the trade
- Rather than from a factory
The basics
The Lunar Details an Underwriter Asks For
A Lunar is judged on condition and on what it would take to put right. Both of those point at the same thing: settle the value properly, because it decides whether a claim ends in a repair or a cheque.
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
Putting Lunar Cover Together
The process is short. What matters is describing the storage accurately, because it does more to a caravan premium than anything else on the form.
Identify the van
Make, model, year and CRiS number.
Say where it is kept
Home, a storage site or a pitch.
Describe how it is used
Weekends away, long tours, rallies, a seasonal pitch or European trips.
Weigh the quotes up
Price against the replacement basis.
What it covers
What Answers For a Damaged Lunar
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 |
|---|---|---|
| Damage to the van | Comprehensive cover | Repair or settlement for a Lunar caravan |
| Theft | Included | Hitchlock, clamp and tracker conditions apply |
| Weather damage | Included | Storm, flood, falling branches |
| Equipment and belongings | A limit of its own | Not the same pot as the van |
| Awning | Frequently optional | And frequently forgotten |
| Continental cover | By arrangement | With a limit on days away |
| Legal expenses | An add-on | Recovering an uninsured loss |
The write-off line is closer than it looks. Where a van has a modest market value, a repair bill can exceed it quickly. An agreed value lifts that line and is the main reason owners of older marques arrange one.
What it leaves out
Where the Cover Stops on a Lunar
Every policy has edges, and on a Lunar caravan they fall in fairly predictable places. Damp is the one that surprises people.
Ingress and consequent damp
Sealant and seams are yours to maintain.
Mechanical and structural deterioration
A policy is not a maintenance contract.
Losses where the locks were not fitted
Declared security becomes a condition.
Belongings in an awning overnight
Rarely covered, and worth knowing.
Renting the van out
Unless the policy says otherwise.
Gradual water ingress
The commonest reason a caravan claim is refused.
Lunar vans still touring
The Range of Lunar Models on UK Sites
Lunar built across the touring market over many years, and what survives spans a wide range of ages, sizes and conditions.
Two berth tourers
Light and easy to store.
Four and six berth family layouts
The bulk of what remains.
Well-maintained examples
Worth an agreed value.
Twin-axle Lunars
Higher value, more security.
Vans needing work
Where the repair question bites.
Vans on seasonal pitches
A weather rather than road exposure.
Another former marque? See Sterling caravan insurance.
Who it suits
The Owners Behind the Lunar Badge
Lunar owners are used-market buyers, and a fair number are people keeping a good van going rather than replacing it.
Long-term owners
Vans kept for many seasons.
Used-market buyers
Space without the new price.
Owners restoring a van
Where agreed value earns its keep.
Owners weighing a repair
Deciding whether to keep it.
Twin-axle owners
Higher value, older van.
Seasonal pitch holders
One site through the year.
Looking at a current marque? See Elddis caravan insurance.
Repair or settle
A Lunar in Storage vs One Kept at Home
This is the decision behind every claim on an older van, and the basis you chose at the quote is what decides which way it goes.
| Repair | Settle | |
|---|---|---|
| When it happens | Damage below the threshold | Damage above it |
| What you keep | The van | A settlement figure |
| What lifts the threshold | An agreed value | A low market value |
| What to do first | Get the figure agreed | Keep the evidence |
Want the settlement bases explained? See caravan insurance.
Cost
What Sets the Price of Lunar Cover
The van, its value, where it is kept, the security fitted and the claims record. We do not print average premiums.
Why the agreed value does the heavy lifting
On a van no longer in production there is no equivalent new caravan to replace it with, so the figure agreed in advance is the figure that matters. It also raises the point at which a repair is still economic, which is the practical benefit owners feel.
Why parts come through the trade
Common items are available through caravan specialists rather than a manufacturer, which is workable but slower for anything unusual. It is another argument for settling the value question before you need the answer.
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 Terms Every Lunar Owner Has to Meet
These are the practical terms behind a Lunar caravan. Easy to meet and easy to forget, which is exactly why they are worth listing.
Use the locks every time
Including on a driveway between trips.
Keep the registration details up to date
Ownership records matter after a theft.
Tell the insurer if storage changes
Site grade is a rated field.
Keep the van serviced and damp-checked
It will not create cover, but it protects one.
Quote checklist
Gather This Before Pricing a Lunar
A broker will ask for all of this. Gathering it first turns several calls into one.
The replacement figure
Not what you paid for it.
Van details
Make, model, year, berth and the CRiS number.
Storage arrangement
A drive, a garage, a farm yard or a graded storage site.
Locks and devices
And whether they are fitted already.
Where it travels
Sites, rallies or the Continent.
Claims history
Five years is usually asked for.
Comparing
Reading Two Lunar Quotes Line by Line
Price is the easy part to compare. What follows is the rest of it, and it matters more.
The limits
- Sum insured on the van itself
- Contents limit and any single-item cap
- Awning and annexe cover
The conditions
- Security devices required
- Storage site grade accepted
- Winter and drain-down requirements
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
Bringing Lunar Premiums Down Next Renewal
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
Lunar Caravan Terms, Made Clear
The words that come up once a Lunar caravan is insured in its own right.
- New for old replacement
- A new equivalent van, subject to an age limit.
- Agreed value cover
- A sum settled in writing before any claim.
- Market value settlement
- A payout based on what the van was worth at the time.
- CRiS registration
- The touring caravan register, used to trace and identify vans.
- Coupling lock
- The hitchlock, and usually a stated condition of cover.
- Wheel clamp
- Fitted when the van is left, and checked after a theft.
- Ingress
- Water finding its way in. A maintenance matter rather than an insured event.
- Annexe
- An awning or attached structure, covered only if arranged.
- Approved storage
- A site the insurer accepts, sometimes by security grade.
- Sum insured
- The ceiling on what a policy can pay for the van.
Why MyMoneyComparison.com
Why Lunar 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
Lunar Caravan Insurance FAQs
Answers on the towing car, new for old, storage, security devices and damp.
Can a Lunar still be insured?
Yes, routinely. A marque no longer in production narrows the number of insurers interested rather than closing the market, and specialist brokers place older tourers every day. The basis of settlement is the thing to agree up front.
Why does the repair threshold matter so much?
Because a repair is only carried out while it costs less than settling. On a van with a modest market value that line arrives quickly, and an agreed value is what moves it far enough to keep a good caravan on the road.
How do I get an agreed value?
With evidence: photographs inside and out, a recent service record and a damp check, and on a restored van a written valuation. Agreeing it at the quote is far easier than arguing it after a claim.
Are Lunar parts still available?
Common items are, through the caravan trade rather than a factory. Something unusual can take longer, which is worth knowing when you weigh up whether a repair is the right answer.
What should I check before buying one?
Damp first, then the chassis, the seals and the service history. A documented damp check behind a van is both a better purchase and a simpler one to insure.
Is an older van dearer to insure?
Not usually by much. The lower value pulls the premium down while the narrower market pushes it up, and the two largely meet. Storage and security still do more than the year.
Is damp covered at all?
No, on any caravan whatever its age. Gradual ingress is treated as maintenance rather than a sudden event, which is exactly why the service record carries so much weight on a van of this vintage.
Do the same security rules apply?
They do. A hitchlock and a wheelclamp are expected on an older van just as on a new one, and whatever you declare has to be used every time the caravan is left.
Will the towing car’s policy do for a Lunar caravan?
No. It extends third-party liability while towing and nothing more. The caravan itself, its contents and everything that happens when it is unhitched sit outside it entirely.
What settlement basis should I look for?
New for old while the van is within the age limit, then agreed value if it is older or unusual. Market value is the weakest of the three and worth identifying before you buy rather than after a total loss.
Do I need a tracker?
Not usually required, but frequently rewarded. Trackers improve the odds of recovering a stolen van, and insurers price that in, particularly on higher-value or twin-axle vans.
Does a caravan need its own no claims bonus?
Many insurers run one, built up separately from the car. It is worth asking how yours is earned and whether it can be protected, because a single claim can undo several years.
What locks will I be asked to fit?
A hitchlock and a wheelclamp are the usual minimum, and they have to be used rather than owned. Insurers check after a theft, and a van taken with the clamp in the locker is a difficult conversation.
Is a driveway acceptable to insurers?
Generally yes, and it is what a good many owners do. A gated or graded storage site usually rates better, so if you have the choice it is worth pricing both.
Does a caravan need an MOT?
Touring caravans are not tested, but servicing still matters. A serviced van with a damp check behind it is easier to insure and easier to claim on than one with no history.
Can anyone tow it?
Subject to the policy terms and their licence entitlement. What a driver may tow depends on when they passed their test and the combined weight, so check before handing over the keys.
Ready when you are
Send the Lunar Details to Brokers
Tell us about the Lunar 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
Free to use · No obligation · UK brokers
About this page
This page explains UK Lunar caravan insurance: cover for a Lunar tourer, a marque now bought used, and the point at which repairing one stops making sense. 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
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