Looking for Touring Caravan Insurance?
Touring caravan insurance is there to protect your investment in your home away from home. Plus the freedom of the open road is so much more enjoyable when you know your touring caravan is insured.
Whether you love exploring the West Country, are addicted to the Scottish Highlands or can think of nothing better than delving through the English countryside, discovering little-known beaches and quintessential villages, touring caravan holidays are a great British tradition. In vogue long before the invention of the ‘staycation’, touring caravans have never lost their appeal, in fact they are gaining in popularity. This guide looks at everything you need to know about insuring your touring caravan.
Vehicle insurance and touring caravans
Although there is no legal requirement to insure towing caravans, some insurers extend 3rd party cover to touring caravans whilst being towed. If you’re thinking this will be enough for you it’s important to keep in mind:
Specialist touring caravan insurance
Touring caravans represent a sizeable investment, not to mention many happy memories. Because of this many people choose to insure them and touring caravan insurance is widely available. You are most likely to get the best deals through specialist caravan insurers.
Depending on the level of cover you choose, touring caravan insurance provides year-round cover whilst at home, onsite and on the road, regardless of whether it’s coupled to your vehicle or not and covers things like:
You’re unlikely to get cover for damaged caused by:
- Wear and tear
- Infestation e.g mice, insects
- Mould and mildew
Ways to save money on touring caravan insurance
Touring caravan insurance is a specialist provision, so insurers familiar with the market tend to offer the best premiums
Naturally a clean driving licence and ideally a no-claims discount will result in lower insurance costs
Some insurers offer discounts if specific makes or types of security device are fitted. This differs depending on the insurer, so it’s a good idea to check first if you are thinking of investing in additional security.
Insurers favour safe, experienced drivers and some will offer discounts on proof of advanced driving qualifications such as a towing course. Always check with your insurer first though as it may make no difference at all, whilst others only recognise certain certificating bodies.
Many enthusiasts clubs affiliate with specialist trailer tent insurers to get a great deal for members.
Questions to ask your touring caravan insurer
Always read the small print and if necessary talk to your touring caravan insure to check things like:
- Are you covered for European travel?
- What if you lend your touring caravan to friends or family?
- Is your caravan covered if you breakdown and what are the recovery options?
- Are your personal possessed covered and do you need to specify certain items?
- What type of policy is best for your caravan? eg. agreed value, new for old or market value
Touring Caravan Insurance – Useful FAQs
This depends when you passed your driving test and the size of your folding camper. If you passed your test before 1997 you should be fine.
UK national speed limits applicable when towing mobile caravans are as follows:
60mph for motorways and dual carriageways
50mph on single carriageway roads
30mph in built up areas
*Touring caravans are prohibited from the outside lane of a motorway.
Most specialist caravan insurers will insure all types of touring caravan, including American imported Airstreams and 5th Wheel RV’s and imported German Tab Teardrop Trailers .
See here for details