Touring caravan insurance provides cover for, unsurprisingly, touring caravans!

Yet there are a few things that are worth grasping.

What is a touring caravan

Insurers typically regard these, as being towed accommodation caravans,

Caravans that are fixed in place (statics), places of permanent residence (park homes), have accommodation as a part of the chassis of the vehicle itself (motorhomes) and tents or folding accommodation (trailer tents or collapsible caravans) may all typically have their own forms of cover.

Constraints

Typical touring caravan insurance may have limitations in terms of a number of areas. It may be necessary to review your policy carefully to understand the specifics but it may include things such as:

• how much, if any, continental touring cover is provided;

• how many miles per annum are covered, as standard by the policy (limits may be specified both for UK and non-UK driving);

• who can tow the vehicle (limits may apply both by age and experience levels of insured drivers);

• where the caravan may be parked when in use – some policies may require that you only use formally designated caravan parking spaces or sites and some may go further and require that such sites are also fully serviced;

• specific requirements in terms of the nature of belongs that you will be able to cover under the contents insurance – some high value items may not be covered (e.g. computers) and there may be maximum payout limits per article;

• UK use – some policies may specifically say that cover only applies to the UK mainland, thereby excluding the Scottish Islands or Northern Ireland etc.

Cheap tourer insurance

Some policies may advertise prominently that they offer cheap touring caravan cover.

They may do but it might be prudent to ensure that you have carefully checked the policy’s cover, including the above areas, to ensure that you’ll be adequately protected. Some cheap cover that’s suitable for others may not prove to be suitable or cheap caravan cover for you.

Having appropriate touring caravan insurance may help you sleep a little more easily at night when thinking about the financial commitment your caravan consists of. It may therefore be sensible to take your time in selection and to get the insurance that’s most suitable for you.