Here, we share the latest version of our top ten touring caravan insurance tips. With many years’ experience and insight into the marketplace, we know that every touring caravan owner has different priorities. And your travel habits, storage arrangements and touring plans all play a part in finding the tourer insurance cover that’s most appropriate for you.
That said, here are ten points we think most caravan owners will find useful.
- Know the value of your caravan and its contents
It’s easy to underestimate the replacement value of your caravan or what’s inside it. Take the time to check the current market value of your make and model and keep receipts for any upgrades or accessories. For contents, make an inventory and note down up-to-date replacement costs – it makes claiming simpler and helps ensure you’re properly insured.
Find out more in our guide to caravan insurance.
- Pay attention to your policy’s security requirements
Every caravan insurance provider has conditions around security – for example, they may require the use of wheel clamps and hitchlocks in certain situations. Failing to meet these could invalidate a theft claim, so check your policy wording carefully and make sure your usual touring routine complies. Or please contact us for clarification.
- Think about where you’re going
If you plan to travel abroad, make sure your policy includes continental cover for the duration you need. Some touring caravan insurance policies may automatically include up to 240 days’ European cover, while others offer less or charge for this element of protection. Always check the territorial limits before setting off.
- Consider who’s towing
Age and driving history can make a difference to cost and eligibility. Younger, older, or convicted drivers can sometimes be excluded or may attract higher premiums. Confirm who is permitted to tow under your policy before you head out.
- Avoid carrying very expensive personal items
Most caravan contents cover excludes certain high-value items such as jewellery or premium electronic devices. These should usually remain covered under your home insurance or a specialist policy. If you need to include them under your caravan policy, it may cost more in premiums – or there may be specific item limits.
- Look out for discount opportunities
Some touring caravan insurance providers offer savings for fitting approved security devices, or storing your caravan on a CaSSOA-approved site. You may also save by opting for a higher voluntary excess (the excess is the first amount of any successful claim that you agree to pay) or by remaining claim-free (for example, where you have a smaller claim – please see point 9).
Please read our caravan insurance money-saving tips for more ideas.
- Be mindful of overnight parking rules
Your policy may specify where you can leave your caravan overnight while in use — for example, only on recognised sites or at your home address, with security devices fitted.
Parking somewhere not covered by your policy could affect your tourer insurance, so it’s worth checking the small print before you travel.
- Consider additional security measures
Even if not required by your insurer, extra protection such as a tracker, alarm or upgraded locks can deter thieves. These devices can also make recovery more likely if your caravan is stolen.
Our guide to caravan gadgets includes practical ideas to help boost security and comfort on tour.
- Pause before making small claims
If you’ve built up a no-claims discount, think carefully before claiming for minor damage. The short-term benefit of a payout could be outweighed by the loss of your discount and potentially a higher renewal premium. Do the mathematics before deciding whether to claim.
- Take an active interest in your policy
Finally, don’t just skim the summary – read the policy wording in full. Pay attention to the sections on security, storage, exclusions, and territorial limits. If something’s unclear, ask your insurer or broker to explain. A little extra time now could save stress later.
You can view our policy documents online for an idea of what to expect.
At Cover4Caravans, we’re always happy to help you compare caravan insurance options and make sure your policy provides the protection you need – wherever your adventures take you. If you ever need clarification or have any questions about your cover, our friendly team is just a phone call or message away.