How to find the best touring caravan insurance quotes

Who sells the best touring cover? If that sounds like a $64,000 question, it’s because it is – it’s a well-nigh impossible one to answer!

In the real world, of course, the best touring caravan insurance for one person might not be the ideal solution for another.

While your neighbour or colleague may say their caravan insurance is the best, it may not be the best cover for you – who might have quite different requirements and use your ‘van in an entirely different way.

The safest way to progress your selection is to decide what you need from your touring caravan insurance cover and look at the options available to you.

While we examine ways of finding those best touring caravan insurance quotes for you, try to remember not to become too focused on the price alone.  Having very low-cost caravan insurance cover won’t be a scrap of good to you if you find yourself in the position of needing to make a claim – it’s then that you may discover the best cover is the one that settles your claim and that’s not necessarily the cheapest.

The best caravan insurance options for you

No one could ever blame you for trying to find the best caravan insurance cover that you can, to help you protect the investment that you will have made in your ‘van.

Not only is it a question of finding the most appropriate touring caravan insurance for you, but you need to take into account how often you use your caravan, your views on caravan security and what you can do to help keep your caravan a bit safer – these are all factors likely to influence the type of caravan cover that may be most appropriate for you.

Keep your options open

One of the main considerations in arranging suitable caravan insurance is choice – which is why you may need to take some time to compare caravan insurance companies as well as policies to get the best touring caravan insurance quotes.

When looking for cover, do remember that different policies may offer different levels of cover – reflecting the providers’ own view of the importance of the typical risks a touring caravan may face.

Where and how do you plan to use your touring caravan?

As the owner of a touring caravan, you may fall into one of two broad categories.

You may:

  • do all your touring in the UK; or
  • occasionally (or frequently) cross the channel and tour the continent.

If you are in the first group, a caravan insurance policy that does not include continental cover may be perfectly acceptable to you.

On the other hand, if you do prefer to venture further afield, then continental cover as standard may be one of the features of tourer insurance that you need to actively seek out.

Bear in mind, too, the need to pay attention to any restrictions on the number of days that foreign cover is provided, or any mileage allowance written into a policy, as this may limit your freedom to travel where and when you choose.

Will I need to pay more for continental cover?

The Caravan and Motorhome Club reminds its members that while touring caravan insurance is not a legal requirement in Europe, you will continue to need proof of at least a minimum level of third-party cover for the vehicle towing your caravan. The Club also advises that – with effect from the 2nd of August 2021 – you do not need to carry a “Green Card” as evidence of your motor insurance.

Some touring caravan insurance policies might offer up to 240 days of continental cover as part of their standard policy. Others might offer absolutely no such cover at all and require you to pay extra for cover every time you leave the UK.

If you plan to make relatively frequent flits across the channel, it is likely to be more cost effective to find a policy that includes cover automatically.

The most suitable touring caravan insurance quotes

The most appropriate caravan insurance quotes, therefore, are likely to be those that deliver precisely what you need – tailored to your, individual requirements.

Further considerations when comparing those quotes might include:

Replacing your caravan following its total write-off

  • the product offerings of insurance providers on this subject vary hugely;
  • some might offer you a new for old replacement if your caravan is up to a certain age limit, providing that you have been the sole owner since new;
  • other policies might be more generous and not take into consideration how many previous owners there may have been, though there may still be an upper age limit after which market value will be used;
  • this underscores the importance of reading your policy very carefully;

The contents of your touring caravan

  • touring caravan insurance typically extends to cover for the contents of your home away from home – though you may find there are restrictions in terms of certain types of items being left in your tourer when unattended;

Security – playing your part in mitigating losses

  • if you have asked us to help you find a solution to your touring caravan needs, then we can also provide you with details of policies where the providers may ask that you take some common-sense steps to improve tourer security;
  • for example, it is very common to find terms and conditions in a touring policy that might constrain, under certain situations, where you can take your caravan or where you can unhitch it and leave it unaccompanied;
  • many policies stipulate that you can only unhitch your caravan if you are in a formally designated and serviced touring park, at home, or at a secure storage site;
  • if you leave your caravan unsupervised whilst it is still attached to your towing vehicle, you may need to secure it with both a hitchlock and wheel clamps – if you unhitch the caravan, you may be required to fit wheel clamps only;
  • some policies might not allow you to park your touring caravan on the public road when not in use;
  • fitting a tracker device to your touring caravan may also help in its recovery in the event of its theft;
  • your touring caravan is probably at its most vulnerable when it is unused, unoccupied and laid up for the winter – recognising the greater security provided, some insurance providers (including us here at Cover4Caravans) offer a discount if you agree to store your tourer when it is not in use at a registered Caravan Storage Site Owners’ Association (CaSSOA) site;

Awnings

  • awnings are a widely popular additional feature of many touring caravans;
  • loss or damage to the awning may be covered by your insurance, but many insurers attach special conditions;
  • storm damage to your awning, for example, may be covered only if you are in or around your caravan at the time the loss or damage occurs;
  • leaving your awning open when you are away from your tourer may, therefore, be something best avoided.

Further reading: Guide to Awnings and Awning insurance: need to know.

Getting the most suitable touring caravan insurance

When you are in search of the best touring caravan insurance quotes, you are likely to discover that what is best for you may not be best for another touring caravan owner. There may be policies that strike just the right chord with you yet fail to make the same impression on other caravan owners.

Getting some help in understanding what you need to look out for when you compare the best touring caravan insurance quotes is something we can help you to do. As specialists in touring caravan insurance, we can connect you with providers of policies that may be particularly suitable for your own set of circumstances – not just in terms of the caravan cover offered, but the price too.

The best caravan insurance cover for you, in other words, is likely to be the policy that provides you with the cover you need and at a price that you are happy with.

For a comprehensive answer to that question, you might want to contact us here at Cover4Caravans, where we will be only too pleased to discuss the subject further with you, help you find what you are looking for, and carefully go through with you any policy in which you are interested – so, please feel free to get in touch!