Usually, the definition used is:
The caravan or trailer shown in the schedule which belongs to, or is the legal responsibility of the insured, and is used solely for social, domestic and pleasure purposes.
Under the policy there will be specific exclusions, for example some insurers may exclude loss or damage occurring or legal liability arising while:
- The caravan is on a permanent site, away from the home, for more than 30 consecutive days and the caravan is overturned due to storm or flood unless it is securely anchored to the ground at all four corners of the chassis;
- The caravan is being used in any motor sport.

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