Most caravan owners renew their insurance without giving it much thought. It’s understandable – life gets busy, and if you’ve had no issues with your cover, it’s easy to let the policy roll over for another year.
But reviewing your touring caravan insurance regularly may make a noticeable difference to both your protection and your pocket. A small amount of time spent checking the detail can help avoid gaps in cover, unnecessary add-ons, and even potential claim problems further down the line.
Here’s why an annual touring caravan insurance review matters – and how to check your policy in a way that genuinely saves you money.
Your caravan’s value may have changed
Caravans don’t hold the same value forever. Prices can shift because of age, condition, demand, or upgrades you’ve carried out. This matters because insurers rely on the value you give them to calculate your premium and, crucially, to settle claims.
If the value you declared years ago is now too low, you could be underinsured. In practice, that means you may not receive enough to repair or replace your caravan after a major incident.
A quick check against current sales listings, dealer valuations, or manufacturer price guides will help you keep this accurate.
Have you added anything that affects cover?
Many caravan owners upgrade their tourer over time – new security devices, a motor mover, solar panels, or upgraded furnishings. These additions can affect both the value of your caravan and the policy conditions.
Similarly, if you’ve bought a new awning, added accessories or replaced damaged furnishings, these could affect your contents or equipment cover. Listing everything correctly ensures you’re covered if the worst happens.
Are your storage and usage details still right?
Changes to how you store or use your caravan can also affect your insurance. Perhaps you’ve moved house, switched to a different storage yard, or now use the caravan more (or less) frequently. Maybe you’re planning continental trips that your original policy didn’t include.
If you store your caravan at a CaSSOA-rated site, for example, some insurers apply premium discounts (at Cover4Caravans, we offer discounts up to 20% for tourers stored on a CaSSOA-approved site). Conversely, if your storage arrangements have changed in a way that increases risk, failing to update your insurer could complicate claims.
These two blogs may provide useful: Guide to Caravan Storage and Security and Important message to our customers regarding caravan storage.
Usage matters too. Occasional UK trips, regular European touring, seasonal pitches, rallies – each may have different implications in a policy. A quick review keeps everything aligned and reduces any risk of accidental non-disclosure.
Check what you’re paying for
Many people inherit add-ons over the years without realising it. Items like key cover, recovery cover, awning protection, or increased contents limits may no longer be needed. Equally, you might find that a previously optional extra is now more useful than ever.
Reviewing these add-ons is often where the easiest savings are found. Strip back what no longer suits your touring style, and add in what genuinely protects you.
At the same time, check your policy excess. This is the first part of any successful claim that you are financially liable for. Increasing it slightly can reduce your premium, and for some owners it’s a simple way to save money without affecting essential protection.
Small checks that can bring down your premium
There are several practical steps owners can take to keep costs sensible:
- check you have the correct security devices required under your policy;
- store the caravan at a secure site if possible;
- keep your caravan well maintained – insurers look more favourably on well-cared-for tourers;
- review your contents list and remove old or unused items to avoid unnecessary cover;
- make sure tyres, brakes and chassis are in good order – preventing avoidable claims keeps long-term premiums stable.
These small steps show insurers you are a lower-risk owner, which can help keep your premium competitive over time.
Why a regular review brings peace of mind, too
Touring caravans are a major investment, and using one comes with its own set of risks – storage, towing, weather, theft and accidental damage being the main ones.
By reviewing your touring caravan insurance once a year, you’re ensuring that your protection keeps pace with your current situation, not the one you were in several years ago.
It also means you can be confident that if something does go wrong, your policy will respond exactly as you expect.
Need help reviewing your cover?
If you’re unsure where to start or want to check that your policy still suits your needs, the Cover4Caravans team is here to help. Call us on 01702 606301 and we’ll be happy to talk through your existing cover and help you find the most cost-effective and appropriate protection for the year ahead.