Touring caravan insurance

Whilst the freedom and thrill of the open road is a major attraction for caravanners, travelling from place to place and leaving your holiday home parked and exposed to the elements can carry risks. There are the obvious weather, theft and accidental damage risks which could occur at any time and leave you with an expensive repair bill. But your caravan or caravan equipment could cause injury to another person or property damage, which could lead to expensive claims against you. Your car insurance may provide some liability cover for your touring caravan, but it's likely to be minimal so it’s advisable to check the exact cover and limitations before you start towing. Our caravan insurance would not provide any liability cover when the caravan is being towed.

Touring caravan insurance usually covers the caravan itself, the contents and any awnings from loss, damage and theft. As well as this, most touring caravan insurance includes Public Liability cover, to provide protection against any claims for injury to another person or property damage caused by your negligence.

There are certain factors which will be used to calculate your touring caravan insurance premium. The value and age of the caravan are taken into account, plus specific details about your touring caravan security and where it is stored.

Most touring caravan insurance requires that your caravan must be secured by a chassis-receiver, wheel clamp, hub/wheel locking device, hitch lock, security post or a selection of these when not in use. You will also need to confirm where the caravan is stored, for example at a Caravan Storage Site Owners’ Association (CaSSOA) approved site.