If something happens to your tourer, your holiday plans may go astray if you don’t have adequate insurance cover in place to help you sort things out. Here we discuss why touring caravan cover is so important and what you need to know when choosing this protection.
Do I need insurance for a touring caravan?
How much did you pay for your touring caravan? The chances are, it represents a tidy sum – in terms of the money paid and the attachment you and your family now have towards it.
In short, you are likely to be seriously out of pocket and upset if your caravan was damaged and you were unable to repair it or lacked the funds to replace it.
Touring caravan insurance provides just that protection – giving you the peace of mind, and financial wherewithal to repair or replace your caravan if disaster strikes (less any policy excess of course).
What does caravan insurance cover?
It is important to note that product features and their terms and conditions may vary depending on the policy provider. Typically, however, insurance for caravans may include all or some of the following elements:
- theft (from your agreed storage address or whilst you are using your caravan);
- external damage (whether stationary or moving):
- public liability cover;
- accidental damage:
- loss or damage abroad (under your European cover);
- contents insurance cover if required.
Optional extras may also be available such as GAP insurance (for where you have bought a caravan on finance) and cover for your awning.
What to look for
If you agree that touring caravan insurance is the way of safeguarding an important investment and looking after such a source of pleasure for all those family holidays, what do you need to look for in the cover for your particular needs?
- just as there are many different types of touring caravan, so there are many different types of insurance, and you want to be able to tailor the cover to meet your specific requirements;
- the make and model of the caravan is important, of course, and specialist caravan insurance providers are likely to tell at a glance the kind of policies most likely to begin to meet your needs;
- the age and value of the caravan also needs to be known – regarding the overall sum insured and the maximum settlement you may reach with the insurer in the event of a claim;
- if you are buying new or nearly new, this may be an important consideration because many insurers offer a replacement as new settlement if your caravan becomes a total write-off after an accident;
- if it is older than the qualifying age, the settlement is likely to be based on your caravan’s estimated market value at the time;
- at Cover4Caravans, in the event of a successful claim, we typically offer new for old replacement for tourers up to 5 years of age, no matter how many previous owners it has had; and
- just as with your motor insurance, caravan insurers are also likely to take into account your postcode as a factor.
Does caravan insurance cover accidental damage?
We recently had contact from a customer asking whether his tourer is covered for accidental damage whilst towing it. Apparently he had heard that some tourer insurance policies do not provide this element of cover while on the road.
With all Cover4caravans tourer insurance policies, we are pleased to confirm that all our insurers cover accidental damage whilst the caravan is being towed as standard.
Please note that if your policy is with another provider, then accidental damage cover may typically not be included as standard.
That is why it is important that you fully understand what your cover entails.
Are all policies the same?
Not all policies may provide the same level of cover or the same policy features and benefits. Some may offer all-singing-all-dancing policies that have additional cover included as standard. Others may not. So what might you be looking for to help you find protection that is appropriate for your needs?
- in the first instance, it may be important to recognise that, when getting a touring caravan insurance quote, taking some time to compare policies may make sense – opting for a particular policy based on its price alone may not tell you anything about the cover it provides. We would be only too happy to help you in your search;
- if your tourer breaks down while you are touring, then the caravans cover available for its recovery and repair are obviously important. Equally important though may be any provision for assistance with the costs of alternative accommodation to allow you to continue with your holiday;
- if you are intending to take your tourer abroad then you may need to bear in mind that not all policies may cover continental touring as standard. Check that there is adequate provision for the duration and the anticipated mileage of your trip;
- remember also to check that the recovery, breakdown and accommodation cover, applies outside of the UK;
- remember when estimating the insurance value for your tourer that while your caravan may naturally be depreciating over time, the replacement cost for a new model, may not be;
- bear in mind that as a responsible caravan owner, you have certain responsibilities when it comes to keeping your caravan as safe as possible. Some touring caravan policies may require you to take some basic commonsense security measures to help reduce the risks of theft etc.
- so you may find, for example, that policies may ask that you fit a wheel clamp if you go off somewhere leaving your car and caravan still hitched up and add a hitchlock if you drive off for a trip leaving your caravan on-site;
- you may also find that policies which provide cover for your awning do not include any of your belongings kept under it in their cover and may only cover storm damage to the awning if you were in the caravan at the time it happened.
Am I legally obliged to have the cover?
There is typically no legal requirement for caravan insurance – the motor insurance for the towing vehicle typically offers at least third-party cover for the trailer (but check the precise wording of your car insurance policy). Suitable touring caravan insurance is essential, though, to cover the risks of accidental damage to your caravan.
When you are towing the caravan, it is important that you remain street legal. This means that the caravan must be kept in a roadworthy condition and that you comply with the manufacturer’s maximum load weights.
The latter information is carried on a plate usually attached to the sidewall of your caravan (although its exact location may vary from one manufacturer to another) and effectively serves as the equivalent of the caravan’s unique “VIN” number.
An article published in Practical Caravan on the 22nd of September 2017 explains how this plate carries two critical weight values – the caravan’s Mass in Running Order (MiRO) and its Maximum Technically Permitted Laden Mass (MTPLM).
These indicate the unladen weight of your caravan (MiRO) and the maximum permissible, fully laden weight respectively. The article emphasises the importance of knowing, understanding and complying with these weight limits to keep your caravan street legal.
Why buy touring caravan insurance from Cover4Caravans?
We know it’s a cliché but core to everything we do is one guiding principle – we know you have choice.
That isn’t just something we say in our advertising.
We really do understand that you have a number of options open to you if you’re looking to buy caravan insurance online (or through other channels for that matter) and that you need hard objective justifications for entrusting us with your business. To put it another way, we don’t expect you to buy caravan insurance from us just because we’re nice people!
So, here are some very solid and we think powerful persuaders to purchase your caravan cover through Cover4Caravans.
We’ve talked about this extensively over the years but excuse us if we do so again.
We have been arranging insurance cover for our clients since 1946. In that time, we have learned a thing or two about this domain and also the needs of caravan owners for appropriate cover.
Also, we’re proud to say that caravans and holiday homes are all we deal in. In fact, we focus on:
- touring caravans insurance;
- static caravan insurance; and
- UK holiday home insurance.
We don’t provide car, household or life insurance services etc. Why not?
Some insurance providers may see that as having a limited portfolio. For us, to the contrary, it allows us to focus and specialise. We know caravans, their risks and the insurance options, inside-out.
You may perhaps be thinking, “does that matter?” Well, yes it does and it might prove to be exceptionally important to you in any one of a number of circumstances.
To take just one example, insurance cover for certain types of caravan can be difficult to find if you’re simply ‘ringing around’. If you do find it, you might also encounter an eye-watering quote and a very lengthy list of exclusions.
We, however, are experts in that field and we aim to obtain an attractive proposition for you in both premium and cover terms. That’s a huge benefit that comes from dealing with expert providers rather than generalists.
Knowing the market
The UK insurance marketplace is probably among the most diverse and competitive in the world.
It’s important for any insurance provider to understand exactly where to place risk, in underwriting terms, so that it’s most appropriately located in order to benefit from the widest possible cover and the most attractive premiums.
This is touched on under our expertise mentioned above but this is slightly different. Unlike some, we don’t always place our client’s policies with the same insurance underwriter time after time just because it’s administratively convenient for us to do so.
We maintain constant market awareness and make our arrangements based upon our assessment of the current state of the market and solutions that will be advantageous for you not just easy for us.
You can also be sure that we accept without reservation the Financial Conduct Authority’s (FCA’s) directive to ensure that we always put the interests of our customers first.
Excellence in business
We have invested heavily in training in best practice professional standards in order to ensure that all our clients receive an impeccable service.
We understand that you’re busy and can’t afford to spend longer on your caravan insurance than is absolutely necessary and you certainly haven’t got time to waste. Our efficiency is something we’re profoundly proud of.
We subscribe to the independent Feefo website review and service rating service. In 2016 we received the sought-after formal “Gold Trusted Merchant Accreditation” which shows that our services were consistently rated at above 95% customer satisfaction rating levels. Every year since we have also received above 95% customer satisfaction rating levels.
We hope you agree that these are all powerful reasons why you should consider us for your caravan insurance!