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How Touring Caravan Insurance works

Touring caravan insurance will protect your valuable family holiday home investment. 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. It is at renewal time that you should not not sit idle and accept the increase, rather start  reviewing the options to renew your cover, also look at the available options for Motorhome breakdown cover.  

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.

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 drivers 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.  

With out this you are limited to category B, meaning that you can only tow a caravan that comes in at less than 750kg or the total weight of caravan and car is less than 2,500kg.

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 3,500kg.

Does touring caravan Insurance cover use by friends or family?

Touring Caravan Insurance

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.

That said,  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. Find a good deal will require you to undertake some research into all the available options to provide the necessary cover. As it is Motormone 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 you can begin the comparison princess.

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