Your car insurance will only provide third party cover, which means should you be in an accident that is your fault any damage sustained to your caravan will be your liability. In addition, no cover is provided should it be stolen when detached from your car. For these reasons it is prudent to take out caravan issuance.
No, it is not a legal requirement, but take note that the rate of caravan theft has increased over the recent years in the UK, over 700 stolen in 2017 alone. Also, take into account damage by other ways take flooding for example. Take all the risk factors into account and couple that fact that replacing a family caravan will require a substantial lump sum when deciding if taking out caravan insurance is a prudent step.
Never ever speed when towing a caravan, whilst the rules of the road state 50 km/ per hour is maximum on a single carriageway we would advise staying well within that, but do not go too slow that you also become the cause for an accident, common sense should guide you in the right direction when it comes to the correct speed.
Pets are not allowed to be in a moving caravan, cats are an exception, but we would advise trying to avoid having any family pet in the rear as it may cause excessive stress to your family pet.
As soon as is possible contact your insurance broker, contact details will be in your insurance documents, these are also available online. Please do not delay even if you believe the other party will not make a claim, delay can increase the claim amount and this then will impact your future premiums.
Towing a large caravan will require a standard driving licence plus if your licence has been issued on or after 01 Jan 1997 you will also require to have passed a B + E test.
Should you have passed your test before 01 Jan 1997 then you may drive, but you still need to insure your towing caravan is within the towing limit of your vehicle and combined weight is below 3,500 kg.
It depends on the broker, some types of security are mandatory for example hitch lock for caravans being towed.
If you have already added extra devices, for example a tracking device, discuss this with the broker who may offer a small discount on the premium. If you are thinking of adding such a device, please check first with the insurance company to make sure it is approved.
Caravan and Motorhome Insurance