Touring Caravan Insurance Quotes

Touring Caravan insurance comparison, Multiple quotes from panel of UK brokers

Touring Caravan Insurance demand surges  

With travel restrictions, the interest in Caravanning holidays have skyrocketing within the UK.   So much so that the manufactures of touring caravans can not keep up with the surge in demand. Waiting times for new camper vans have doubled from 8 weeks to 16 weeks and is expected to be even longer has demand continues into 2021.

touring campervan insurance

In the past, the majority of the caravan holiday fraternity were 50 years plus. This is no longer the case with a surging demand in the under 40s age group. This is all good new for the local UK economy and the British manufactures of touring vans that include  SWIFT and Coachman, both based in Hull

What is the average price of Campervan ?

Campervans are a second home on wheels with fitted kitchen, shower cubicles, living and sleeping space and household appliances adapted to be both space-saving and able to operate on low wattage to save your leisure battery. All this comes at a hefty price, and expect to fork out GBP25,00 and above for a new camper van. If that is a bit too steep, or you are not sure if this is your type of holiday, try renting a campervan  or buying one a second hand one. 

Touring Caravan Insurance will protect your investment

Touring caravan insurance will provide cover for your campervan or motorhome. In order to find a good deal on touring caravan insurance it is essential to shop around and compare the market. If this is the first time insuring your touring campervan then look out for brokers that offer attractive introductory offers. However, at the end of the introductory period the premium is likely to increase substantially. If is at renewal time that you should not sit idle and accept the increase, rather start  reviewing the options available. The same is true for motorhome breakdown cover.  If you only need short term motorhome cover, policies are also available for temporary motorhome insurance

Touring caravan Insurance similar to static caravan insurance can provide anything from basic coverage to comprehensive and other things such as:

  • Theft of the touring caravan
  • Accidental Damage
  • Storm and Flood Damage

Depending on the provider you choose, you may also be able to add the following:

  • Equipment Cover This can cover items such as gas bottles, wheel clamps, and generators.
  • New for Old Should your touring caravan be under a certain age, you may be able to get a new replacement.
  • Contents Cover This covers personal belonging such as a portable TV or clothes.

Check Policy Limits for Contents

When you are comparing caravan insurance policies, it is important to check firstly if contents cover is included and secondly any upper limits that are imposed. Like household contents insurance, an upper limit will be imposed, which may or may not be sufficient. Before accepting the figure, spend time working out the value of your contents, you may be surprised how quickly it can tot up and exceed any imposed limit within the policy.  Most caravans will have a kitchen full of expensive utensils that include low wattage caravan microwaves, a portable washing machine,  a 3 way fridge, cooler box and this list continues The living area will have entertainment devices and the latest in 12 volt low energy consumption smart TV. Do you have a backup silent generator these can cost GBP300 and don't forget your pure sine wave inverter and flexible solar panels. 

If the value of your contents exceeds the upper limit speak with your broker to have this increased, it will cost extra, but you will have peace of mind. Remember to add in the value of all the additional personal electronic godets that you will be bringing  

Typical policy exclusions

As with all  policies exclusions may apply, please refer to your policy for full details.

  • Mechanical breakdowns
  • Damage caused by vermin
  • Violating the terms for example using your caravan for trading 
  • Good old wear and tear

Towing and what you should know.

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 need to have passed a B + E test.  

Without this you are limited to category B, meaning that you can only tow a caravan that comes in at less than 750 kg or the total weight of caravan and car is less than 2,500 kg.

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.

Does touring caravan Insurance cover use by friends or family?

Perhaps your touring caravan is just sitting on your drive, and you want to loan it out to someone. It’s best to check your touring caravan Insurance policy prior to doing so, as roughly 60% of all policies do not cover any damage that occurs while the vehicle is lent out.

However,  some caravan Insurance policies will cover family members as standard. It is still worth checking your policy definition of ‘family’, as providers will vary in their interpretation. Your insurer’s definition of family may include siblings, aunts and uncles, but not cousins. If you do decide to let other family members use your touring campervan make sure they are experienced if they will be towing a caravan.

Accepting Payment

For argument’s sake, let’s just say that your touring caravan Insurance does indeed extend cover to friends and family. You in no way want to jeopardise this by accepting any payment for hire. In most cases, you will not be covered if any money has changed hands. This is most often in the fine print, so read your policy very carefully. It is indeed possible to get away with accepting a box of chocolates, or a bottle of wine as a thank-you gift but remember, no matter how casual the arrangement, any money accepted, could very well void a claim. Play it safe and, always check your touring caravan policy wording.

Check the Contents Cover

Typically, there is a maximum pay-out per item. Most likely the limit will be lower on a touring caravan Insurance policy than it would be on your home insurance cover. Leave your expensive watch or bracelet at home, as these are generally not covered. Sometimes, your home policy will provide away from home cover, which you might be able to make a claim on should an item go missing from your touring caravan.

Getting Back Home

Should you find the need to cut short your holiday due to damage to your touring caravan, you may find yourself needing to make a claim for travel expenses or possibly overnight stay. Find out if your policy covers this.

Comparing the cost of touring caravan insurance is easy

Touring caravan will typical workout more expensive than insurance for a static caravan, because you pose a greater risk to the underwriter. Finding a good deal will require you to undertake some research into all the available options to provide the necessary cover. As it is a Motorhome you will need a minimum of third party cover, but because of its expense you should consider a more comprehensive policy that also includes cover for contents, Especially if you have decked out your touring van with gizmos and gadgets like the latest in caravan smart TV’s that work off a portable satellite dish. Compare Static Caravan Insurance works in partnership with QuoteSearcher that can provide you with a range of comparative quotes so that  you can begin the comparison process.

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