Touring Caravan

Insurance

When you’ve made a significant investment in your touring caravan, the last thing you want is for it to be damaged or stolen, leaving you out of pocket. But did you know that there is no legal requirement to insure your touring caravan in the UK? However, if you intend to tow your caravan on the public road or in a public place, your car or other towing vehicle must be insured by law and that must include towing a trailer. Most car insurance policies do in fact include towing a trailer, and this definition of trailer also applies to touring caravans.

It’s important to note that some car insurance policies may exclude towing, such as fleet insurance. If you have a company car, for instance, you may not be insured to tow your caravan. To avoid any confusion, it’s best to ask your insurer or employer directly whether you are covered for towing. If they say “no,” ask them how much it would cost to add towing to your policy.

It’s also worth bearing in mind that you cannot buy separate caravan insurance policy that covers you for towing. Instead, towing cover must be, and can only be, provided by your towing vehicle insurance. In the eyes of the law, your caravan becomes part of your car when you are towing it.

When it comes to insuring your touring caravan, a good policy should cover you for a range of scenarios. For example, it should cover damage to the caravan when it is being towed, but not any damage that your caravan does while being towed. Once again that has to be picked up by your car insurance.

The best policies will cover you for a variety of risks, including damage to the caravan itself and any attached fixtures, fittings, and equipment. This could include gas bottles, batteries, generators, stabilisers, and security devices such as wheel clamps and hitchlocks. The policy should also cover you for touring and storage all year round and offer new for old replacement for caravans up to 10 years old.

Other features that a good touring caravan insurance policy should include are European cover for a period of around 180 days, £2,000,000 public liability cover for damage caused by your caravan when not attached to your tow car or being towed, and cover for alternative accommodation or the hire of a similar caravan if the caravan becomes uninhabitable as a result of loss or damage. The policy should also cover the cost of recovering your caravan to the nearest competent repairer and delivery back to your storage place, including the cost of repatriation from abroad. If the driver is unable to tow the caravan due to illness or injury, the policy should also cover the cost of getting your caravan home, up to £1,000.

Additionally, some policies may cover outside furniture in the awning while the caravan is in use, and there may be optional cover available for full awning cover, including weather damage, and cover for the value of a motor mover, if fitted.

✓ The caravan designed to be towed on the road, and its attached fixtures, fittings and equipment, bedding, furniture, furnishings, household linen, steps and utensils. Equipment includes gas bottles, batteries, generators, stabilisers, security devices including wheel clamps and hitchlock.
✓ For touring and in storage, all year round.
✓ New for old is usually available for touring caravans up to 10 years old.
✓ European cover is usually included for a period of say 180 days.
✓ £2,000,000 public liability cover for damage caused by your caravan when not attached to your tow car or being towed.
✓ Cover for alternative accommodation or the hire of a similar caravan if the caravan becomes uninhabitable as
a result of loss or damage.
✓ Cost of recovering your caravan to the nearest competent repairer and delivery back to your storage place, including the cost of repatriation from abroad.
✓ The cost of getting your caravan home if driver unable to tow due to illness or injury, up to £1,000.
✓ Cover for use by family and friends with your permission can usually be included.
✓ Outside furniture in the awning, while caravan is in use.
Optional Cover:
• Full awning cover including weather damage should be available as an option at the same rate as your caravan.
• Cover for the value of a Motor mover, if fitted, should be offered.

One specialist company that offers touring caravan insurance is Caravanwise established in 1998. You can get an instant online quote from them 24 hours a day by visiting their website. Ultimately, it’s up to you to decide which policy is right for you and your caravan, but by understanding the options available to you, you can make an informed decision and have peace of mind knowing that your investment is protected.

You can get an instant online touring caravan insurance quote << here.

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