The basics of a touring caravan insurance policy

Caravan insurance tourer protection can bring enormous peace of mind when you are out on the roads with your caravan as well as when parked up. As a touring caravan owner, you may typically be faced with numerous hazards – and without the correct touring caravan insurance behind you, it may cost a great deal of money if the worst-case scenario were to occur.

Alternative accommodation protection

Imagine for a moment that you are taking a two-week break touring and your caravan is involved in an accident, which results in the van being taken for repairs. This leaves you and your family with the problem of having to find alternative accommodation while these repairs are taking place. If you have insurance to rely on the policy may typically pay up to so much per day, for a set period of time, towards the costs of a stay in alternative accommodation for you and your family.

Protection for touring around Europe

Many caravan owners like to travel outside of the UK and into Europe. If you intend on doing so you may wish to check how many days’ European cover is included in your touring insurance policy.

Often, within a typical static caravan policy, you may have a set amount of days’ worth of European caravan cover within it. However, you may get more coverage as standard with some providers than you do with others, so do look at this when choosing your cover.

If you were to travel into Europe and your policy did not include European protection, you typically need to stop and apply for insurance when you reach the country’s borders, so bear this in mind.

Improving the security

One of the events usually covered in a typical touring caravan insurance policy is theft. This generally covers theft of your personal belongings and the caravan itself.
Some caravans – such as some of the German models – are at particular risk of being stolen, however all touring models may become targets for thieves. There may be times, such as when stopping for lunch at a cafe, that your caravan is left unattended, hitched to your vehicle.

Many insurers will require that you install a hitchlock on your caravan for circumstances such as this. (For example, when your caravan is left attached to an unattended vehicle) as well as a wheel clamp when the caravan is left unhitched to your vehicle. These preventative measures may help stop your caravan from being unhitched and stolen.

So, when looking for touring caravan insurance do check what obligations you will need to fulfil (such as security measures) in order to get suitably covered.