Your holiday memories might last forever, but having the most appropriate and cost-effective caravan insurance means your adventures stay worry-free too. Let’s be honest—reviewing your caravan insurance probably isn’t the most exciting thing on your to-do list. Some owners just hit “renew” every year without giving it much thought. Sound familiar?
This guide is here to show you why a quick caravan insurance review can be a game-changer and how to make sure you’re getting the most suitable cover for your caravan.
Why bother with a review?
We get it, you’re busy, and thinking about touring caravan insurance isn’t exactly fun. But here’s the thing: the insurance world doesn’t stand still.
New policies, more attractive deals, and updated customer perks pop up all the time. By sticking with the same old policy year after year, you could be missing out.
Taking a little time to review your caravan insurance could:
- help you find a policy that suits you better;
- save you money;
- ensure your cover matches how you actually use your caravan these days.
It’s quick, it’s easy, and it could make a big difference.
The cost of caravan insurance
Let’s talk about the elephant in the room: cost. It’s tempting to just go for the cheapest caravan insurance option, but cheaper doesn’t always mean better. A bargain policy might leave you exposed when you really need it.
By reviewing your options, you can find that sweet spot between cost and cover. It’s worth it for the peace of mind knowing you’re protected if something goes wrong.
What to look out for in your tourer insurance review
Not all caravan insurance policies are created equal. Here’s what to dig into when comparing options …
· Who’s towing and how far?
Some policies have rules about who can tow the caravan—like minimum age or experience. Others might limit how far you can tow each year. Make sure the policy fits your plans, especially if you’re heading off on epic road trips or sharing driving duties.
· Where can you go?
Planning to explore Europe? Check your policy covers it. Some only include the UK or have tight restrictions on where you can park overnight. If your dream is to park up in a sunny French field, make sure your policy’s on board.
· New-for-old replacement
This one’s a biggie. If your caravan gets damaged beyond repair, will the insurer replace it with a brand-new one? Policies vary—some cover new-for-old for five years if you’ve owned the caravan from new, others for only three years, and some even cover second-hand caravans. Know what you’re getting.
Winter storage
Some insurers require you to store your caravan in a garage or secure site over winter, while others – such as ourselves – offer discounts if you store your ‘van at a CaSSOA-approved security site. Tailor your policy to your storage setup, and you could save some cash.
Don’t skip the small print
Nobody loves reading insurance documents but trust us—it’s worth it. The small print tells you exactly what’s covered (and what’s not), so you won’t get any surprises when it’s time to make a claim. Look out for things like:
- towing distance limits;
- valuables cover;
- rules around storm or flood damage.
Knowing the details helps you avoid problems later. And don’t forget, you can always call us here at Cover4Caravans for clarification on anything relating to your caravan insurance cover.
Specialist policies for unique needs
Got a static caravan or a top-of-the-line tourer? You might need a specialist policy. These can include extra features like extended contents cover, liability insurance, or protection for fixed structures like decking. Don’t be shy—ask us for a tailored policy that fits your setup.
Keep your caravan insurance cover up to date
Life changes, and so does how you use your caravan. Maybe you’re taking more trips, exploring new countries, or have upgraded your tourer. Whatever’s changed, it’s worth revisiting your insurance to make sure it still suits your lifestyle. Set a reminder to check in every six months or after any big changes.
Why it’s worth it
Let’s face it—a caravan insurance review isn’t the most glamorous task. But it’s a practical step to make sure you’re getting the best value for your money. Whether it’s more attractive cover, a lower premium, or both, the effort pays off. And who doesn’t love saving a bit of cash while staying protected?
Need a hand?
At Cover4Caravans, we get that insurance can be a bit confusing. That’s why we can assist you in navigating the options and finding what we consider is the most cost-effective and appropriate policy for you – we are here to help.
Safe travels!