In today’s economic reality, we’re all interested in finding the suitable and cost-effective deals – and that applies to touring caravan insurance as much as anything else.
Touring caravans and caravan insurance
You have a touring caravan presumably because you like the open road and exploring new sites in different locations.
That, by definition, means that your caravan is exposed to a different set of risks to, say, a static caravan – notably those associated with being on the public road and using numerous sites.
Selecting appropriate touring caravans insurance is therefore about looking at the specifics of how you use your caravan (or plan to use it) and how a given policy will match your requirements.
Variations in use
For example, perhaps you:
- are planning to use it extensively outside of the UK (thereby requiring European cover);
- would like to include a younger driver as a towing driver;
- want to know that, should the worst happen and you have to make a claim, that you’ll get a new-for-old replacement of your caravan (subject to conditions).
Not all such conditions may be accommodated within all polices and some may be rather more suitable than others.
It is also important to read the fine detail because sometimes such definitions may prove to be extremely important.
For example, some policies may offer you new-for-old replacement of your touring caravan should it be destroyed by an insured risk, however, that may only apply if you have been the sole owner from new. Yet there may be some caravan insurance policies that will offer new-for-old cover for caravans that have had previous owners – providing your caravan is less than three years old.
As your caravan is mobile then you are likely to want to move it around!
Some policies may, understandably, wish to ensure that you take care of your caravan when it is unhitched. They may require that you use hitchlocks and wheel clamps to help keep it safe.
Some may have conditions relating to the features and facilities that must be available on any parking site you use and may not cover your caravan if it is left unhitched anywhere other than on a recognised site.
The touring caravans insurance you eventually select will need to be a close match to the nature of your caravan use.