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.