For any owner of a touring caravan, insurance is likely to be a prudent precaution – you have invested a fair amount of your hard-earned cash in it, and adequate touring insurance cover ensures that your caravan is fully protected against all manner of theft, damage and financial loss.
So here are some FAQs to emerge from the touring caravan insurance reviews we have recently conducted here at Cover4Caravans.
Do I have to have touring caravan insurance?
When you are towing a caravan, the law does not require that you have separate touring caravan insurance.
The vehicle you are driving of course has a legal requirement for a minimum of third party insurance – and that cover typically extends to the caravan you are towing too.
But even if your motor insurance is upgraded to fully comprehensive cover, you are likely to find that it provides protection against third party risks only for your caravan – leaving the trailer completely vulnerable to fire, theft or accidental damage.
That is why separate, specialist touring caravan insurance is necessary.
What does it cover?
Touring caravan insurance ensures that your caravan is protected – whether it is parked on your driveway at home, stored elsewhere, being towed or pitched anywhere along the route of your current holiday.
It offers cover for both your caravan and its contents against theft and loss or damage from such potentially disastrous events as fire, storm damage, flooding, impacts (from other vehicles or falling objects), vandalism and theft.
The insurance may also incorporate public liability insurance indemnity against claims raised by someone who is injured or suffers property damage through some contact with your caravan.
How do policies differ?
Our touring caravan insurance reviews have also illustrated some important differences in the levels of protection offered by different insurers.
In the event of the worst coming to the worst and your caravan being totally written off in a major event – such as a fire, for example – a number of insurers offer to replace the caravan with an identical model as new, provided your insured ‘van was less than two years old, or less than five years old if you have been the sole owner since it was new.
Policies arranged through us here at Cover4Caravans, on the other hand, offer new for old replacement of any caravan that is less than five years old, regardless of the number of owners there may have been before you bought it.
Are any discounts offered on touring caravan insurance?
Responsible and careful caravan owners are more than likely to be members of a recognised caravan club – receiving regular tips and suggestions on enhancing security and maintaining your caravan in tiptop condition, for example.
Here at Cover4Caravans, therefore, our policies recognise the importance of club membership by granting a discount on the premiums members need to pay.
More specifically, our policies also recognise that caravans are at perhaps their most vulnerable when they are not in regular use and effectively put into storage for, say, the winter months.
A further discount on your premiums, therefore, is also available if you agree to store your caravan at one of the high-security sites recognised and registered with the Caravan Storage Site Owners’ Association (CaSSOA).