If you are looking for tourer insurance for your caravan, it seems reasonable to ask just what it might cover.
You might be surprised, however, how many owners who are new to the joys of caravanning – as well as a few seasoned old hands – are more than a little hazy about quite what risks tourer insurance does and does not cover.
Insurance products change, along with the type of caravan you are using over the years, the nature of the outings you make in it, and the risks that need the protection of appropriate insurance.
Reassurance from your specialist broker
The costs of getting inappropriate or inadequate cover may be steep indeed. So, you might be reassured by the expertise and experience offered by an independent broker such as ourselves here at Cover4Caravans.
Citizens’ Advice recommends the use of a broker if you are looking for advice about insurance or want a specialist policy – such as tourer insurance.
As independent brokers, we put your interests first and foremost by offering a choice of tourer insurance – you can get a quote and buy tourer insurance online, or if you prefer, give us a call.
Just some of the principal risks we aim to cover
- at the heart of the cover, of course, is the caravan itself;
- the motor insurance you are legally required to have for the towing vehicle typically extends to third party risks, but you are likely to want comprehensive cover against all manner of accidental damage and theft;
- this extends to those times when your caravan is still hitched to the towing vehicle and when it is unhitched – but your insurer is likely to insist that you use a hitch-lock if the caravan is unattended and still connected to the towing vehicle and wheel-clamps when it is unhitched;
- your tourer insurance cover takes into account the make, model, age and value of the caravan – and some policies may offer replacement as new settlements in the event of a total loss of a ‘van that is less than two years old. At Cover4Caravans, we provide new for old cover for both statics and tourers up to 5 years old, regardless of the number of owners;
Public liability insurance
- easily overlooked is the risk of a member of the public suffering an injury or having their property damaged through some connection with your caravan and holding you liable for their losses;
- tourer insurance may therefore also include public liability insurance to grant indemnity against such claims;
Excesses and no claims bonuses
- just as with many other forms of insurance, your tourer insurance is likely to incorporate an excess which you need to pay in the event of a claim – but by agreeing to an increase in the amount of that excess, you may earn a reduction in the cost of your premiums;
- if you remain claims free from one year to the next, you also qualify for valuable no claims discounts.
To make sure that your tourer insurance provides appropriate safeguards against those risks which it needs to cover, it must be tailored to meet your particular needs, requirements and circumstances. So, should you require any further help or advice, please don’t hesitate to give us a call on 0800 9707 172.
This review is based on our visit to Wysdom Touring Park in July 2018 when we stayed for four nights, however some photos are from previous visits. The site is adults only and open all year around offering 25 touring pitches.
Firstly, as always, arrival and the approach is easy, the site being located directly off the A361 and only a minute from the A40. Our Site Arrival below shows the approach from the A40 heading west from Oxford. Itís an easy enough run from the M40 but do expect minor hold-ups as you bypass Oxford.
The site shares it’s entrance with Burford School and proximity to such may be a concern to some. However we heard next to no noise from the school but with exams completed the school wasn’t at capacity. Arrival time at the site is from 1pm and departures by 12pm. Early departures or late arrivals might want to consider the morning and afternoon school runs.
On arrival, pull up at the sign indicated, the warden will most likely have seen you arrive and come out and greet you before showing you what pitches are available and the location of the facilities, water, waste and rubbish. The site offers a mix of grass and hardstanding and some have their own water tap too. Some are more private with hedgerows and shrubs separating pitches, some are more open. Given the (at the time!) heatwave we opted for one that offered the most shade. There are a number of seasonals on site so it may appear busier than it is. Check out our site tour below for a look around.
The facilities block offers two ensuite units at the front each consisting of toilet, basin and a decent sized shower. At the side is the waste water emptying point and at the rear is a sink for washing up, a chemical toilet disposal point and a further toilet. It has to be said that the whole block is getting on a bit and those only used to shiny new Caravan & Motorhome Club facilities for example may be disappointed. However, everything works, the water is hot and plentiful and itís all kept clean and tidy. We had no problems with it and those on site seemed happy too but a new unit, complete with underfloor heating is planned and could be ready by July 2019.
Free WiFi is available and it was very good compared to club sites but those in the far corners may struggle to pick it up without some sort of booster. Mobile wise, Three was a bit slow for data inside the ëvan but Vodafone was fine. We didnít use O2 however their coverage checker suggests no problems, the same for EE.
Our TV struggled without a booster and we couldnít even pick up all the main channels – we really must get a new one. The presence of domestic style aerials on poles by the seasonals suggested reception could be a bit of problem. Radio reception was a little limited too but streaming using the WiFi was fine. For those that want to disconnect from the outside world a bit, the reception hut offers a book swap.
There’s plenty to do away from the site and all within reach by car. You’d do worse though than start in Burford which is just across the road. At the top you will find the Cotswold Gateway – your closest hostelry which offers a discount to those staying on site. We didn’t get to try it but we did eat at the Cotswold Arms , further down the hill and very nice it was too – good honest pub grub. Do be prepared however to pay a bit more in the Cotswolds generally than you might be used too, thanks to it’s popularity with tourists.
There are – apparently – eleven bars/pubs in Burford but we only managed a drink in nine of them. If you are cooking for yourself there is a Co-Op here and a number of independent traders too including butchers W.J. Castle . I can only recommend their burgers and sausages as that’s all we tried but the rest looked mouth watering too – to carnivores anyway. The nearest supermarket is in Carterton, around four miles away.
If you turn right out of the site and drive for a couple of miles you will come across the Cotswold Wildlife Park and we certainly enjoyed our visit. There’s ample parking and whilst there is a cafe/restaurant on site – which wasn’t overpriced – you could make a day of it and take a picnic. Be sure to check out the walled garden and the Madagascar Walkthrough with it’s Ring Tailed Lemurs running free. You can pay on arrival – sixteen pounds for an adult (July 2018) but there are discounts for buying online, including season tickets.
If Garden Centres are your thing then you will certainly like Burford Garden Company a short drive away from the site on Shilton Road. There is actually some plants and shrubs in amongst all the jams, tableware and craft gin.
Further afield but none of which are too far away you’ll find many of the Cotswold favourites. Bibury , described by William Morris as the most beautiful village in England is well worth a look, particularly the houses in Arlington Row, often thought to be the most photographed in the country. Stow-on-the-Wold is not far away and just a little further is Bourton-on-the-Water, both well worth some of your time.
If you want to leave the car, motorhome or campervan at home, you will find bus stops just to the right of the roundabout on the main A40. As of July 2018, the 233 Stagecoach runs from Burford to Woodstock calling at Carterton, Minster Lovell and Blenheim Palace on the way. The 853 by Swanbrook will take to you to Oxford in one direction and Cheltenham and Gloucester in the other.
The entrance to Burford Golf Club is adjacent to that of the school and welcomes visitors but haven’t giving up any attempt to hit a ball in vaguely the right direction years ago I couldn’t comment on the course!
Site Arrival Video
Site Tour Video
At the height of what looks to be a record-breaking summer of sunshine, you are probably thanking your lucky stars for your foresight in buying a static caravan as a holiday home.
Remember, though, that your second home also needs the protection of adequate insurance in both the sunshine and the rain – not to mention the storms and freezing cold of winter months. Static caravan insurance may provide an essential safeguard, but just like any other insurance, you want to avoid paying an arm and a leg for it.
So, now might be just the time to be asking yourself whether cheap static caravan insurance really does exist.
Knowing where to look for it
Perhaps the first point to bear in mind, though, is that the cheapest is not always going to offer the most appropriate protection. Cheap static caravan insurance may be your goal, but value for money – in terms of the cover you need, at a competitive rate, is more likely to secure the better deal.
When you sign the lease agreement for your pitch on the caravan site, you might get the impression that you have little choice – you are almost certain to be offered static caravan insurance by the park’s management and feel under some pressure to buy it from them.
In fact, very few lease agreements impose such an obligation, so you are free to shop around and buy your static caravan insurance from wherever you choose. All that the park management may be able to insist upon is sight of the insurance document as evidence that you have a minimum level of public liability insurance – for the protection of your neighbours and other park visitors who might be injured or have their property damaged and hold you responsible. They may charge a fee for this, but, overall, you should still be saving money.
Choose a specialist broker
You might use your freedom to shop around to decide for yourself what insurance cover might be appropriate and look for it using your own resources – online, for example.
The advantages of using an independent insurance broker are described by the British Insurance Brokers’ Association (BIBA), which lists ten good reasons for doing so. These include the free advice you may be given, the identification of those risks you might not have spotted yourself, the help you may need in making a claim, and the access to competitively priced policies which are often available exclusively through a broker, so satisfying your search for cheap static caravan insurance which represents excellent value for money.
By using a caravan insurance specialist, you are likely to get a choice of caravan cover, too, from a number of insurers, meaning you can choose the cover must cost-effective and appropriate for you.
Not only does cheap static caravan insurance exist, therefore, but it is just a click or two away when you visit us here at Cover4Caravans and ask for your online quote or make a telephone enquiry.
This is a regularly-asked question and one we at Cover4Caravans are happy to discuss at length.
In advance of discussing the implications though, it’s important to note one critical point – the only way of being sure to answer the above question specifically is by reading the proposed policy or speaking to your insurance provider if you are unsure.
Policies differ from each other by sometimes surprisingly significant amounts. What follows therefore is inevitably something of a generalisation.
On the road accidents
If your caravan is under tow on the public highway and the vehicle is somehow involved in an accident:
- any claims against you from third parties for damage they’d sustained because of your caravan, typically should be covered by your car insurance policy. However, it’s imperative to check that by looking at the car’s policy, and not that in some cases, exclusions may apply;
- any damage caused to your caravan might not be covered unless your car’s policy offers fully comprehensive cover to include towed caravans (which might be rare). In some cases, you may need to try and prove liability resided exclusively with another party (which may be very difficult) and seek redress from them and their insurance – if they have any.
The relationship between specific caravan insurance as a way of bridging cover gaps in the car’s cover can be complicated in the various combinations of the above eventualities. It’s worth contacting us so we may explain the advantages of caravan insurance in these situations.
Claims from third parties – off road
We live in a litigious society. That means that accidents that might once have been considered “one of those things” might now more often result in people looking for someone to blame and seeking damages through legal action. If you’re sued and lose such a case, the damages awarded against you might be very significant.
The insurance protection against the financial consequences of such successful claims is called “third party liability”.
Please remember that having third party liability cover for your car is not the same as having it in place for your caravan. As many incidents that might result in claims against you might be off-road, when your caravan is un-hitched, it is very unlikely that they would be covered by your car insurance. Standalone caravan insurance is therefore typically required.
Note that some caravan sites may require evidence that you have such insurance in place as part of their conditions of entry.
Protecting your caravan
Most people understandably think of caravan insurance in the context of protecting their asset.
Broadly speaking, this type of cover will deliver on that in terms of protecting your caravan against things such as its destruction or damage – in the context of stated “perils”. It is important to look carefully at those perils because they are not always identical between policies. For example, some policies might specifically exclude flooding as a peril, whereas others may not.
It’s also important to examine just what the policy proposes in terms of replacement (or replacement valuations) in situations where your caravan has been damaged beyond economic repair, destroyed or stolen.
That’s because some may offer “new for old” replacement based upon very open definitions whereas others may do so but only under very limited conditions such as caravans that are under 12 months old and which have only had a single owner from new.
The caravan insurance differences here might prove to be very important to you, should the worst happen with your vehicle.
Protecting your possessions
You’ll understandably want to cover your possessions too in most cases. Once again, caravan insurance can help with appropriate cover but look for differences between policies in areas such as:
- new for old versus market value;
- maximum cover levels both in total and for any individual item;
- possessions outside the caravan (e.g. awnings and furniture) and those stored inside;
- governing terms, conditions and exclusions.
Caravan insurance might one day prove to be essential. Why not contact us to find out more?
Things change – and nothing better illustrates that than holiday preferences over the past 10 years or so.
The UK rules
The Daily Express newspaper recently reported that for the first time in a long time, well over half (57%) of those surveyed said that they plan to take their holidays in the UK this year. True, the “staycation” isn’t a new phenomenon for 2018 but this is a significant increase on what’s been seen previously.
That matched our own previous research but we decided to go further and commission our own Cover4Caravans second annual survey looking at specifics and driving factors. Some of those results even surprised us a little, despite our extensive experience in the marketplace through our provision of touring caravan insurance.
Love of caravanning
In fact, our own survey showed a figure slightly higher than the 57% quoted above but interestingly, the third most popular accommodation choice of those planning a staycation was the caravan. Over a quarter of those who responded said it would be their preferred choice.
The most prominent factor mentioned was children.
The ratings for this as an ideal holiday for kids soared above all other factors. Many families are now valuing the freedom and “open air / open road” nature of a caravan holiday but also the environment that brings everyone back together in an intimate setting for things such as meals and evening pastimes.
Our survey also indicated that cost was a big factor in selecting both a UK holiday and a caravan one in particular.
In general terms, the UK has boomed as an economic destination for holidays due to the rapid decline of Sterling against the Euro over recent years. Not that long ago, Sterling was around £1 = €1.30. Now tourist rates are hovering around €1.10 and in some cases even close to parity.
That has led to a significant reduction in the buying power of UK holidaymakers in their traditional Eurozone destinations. It also means that the UK is looking correspondingly, very good value for money.
Surprisingly, even more people were choosing caravanning for hassle-free reasons rather than cost reasons (though the two factors were also related a little).
This seems to be largely attributable to the now notorious problems, delays, inconvenience and hidden costs associated with much air travel. These issues probably need no explanation and it’s clear that for many, the “glamour factor” once associated with travel by air has now largely gone.
It is absolutely no pleasure at all to report that our survey indicated that terrorism concerns are a reason why about a quarter of those surveyed said they were planning caravanning holidays.
That is about 7% up on what we’ve seen previously.
Once again, this needs no discussion other than to say that security, when travelling via public transport of almost any kind, is now seen by many as being risky in terms of violence. The independence of the caravan is, therefore, a major attraction in such times.
As we have commented previously, it’s also important to acknowledge the vast efforts made by the UK tourism industry over recent years.
The facilities offered in most locations are now unrecognizably better than they were say 20 years ago.
So, things are looking positive for UK caravanning holidays in 2018 – and beyond! No wonder we LOVE the UK!