Towergate Caravan Insurance - Reviewed

The Towergate caravan insurance is one of many types of coverage this company offers which is based out of London. They have been processing policies since 1997 and have acquired more than 300 specialty insurance companies. While they do have an insurance broker department, for static and touring caravans along with trailer tents and park homes the policies will be underwritten by the Towergate Underwriting Group Ltd. This is in contrast to the Caravan Club who specialise in caravan insurance. 

Why Towergate is considered specialty insurance?

This is an insurance company that handles the high risk situations many people face that other insurance brokers will not handle. This type of situation or condition can include the caravan being parked on a flood plain, located in a high risk location or the construction of the caravan is considered high risk to name a few. If you are having trouble finding coverage for your caravan, Towergate should be able to issue you a policy. They offer both static caravan insuranec and touring caravan insurance and the policies whilst similar do have difference as we have highlighted below.

What does the Towergate Static Caravan policy cover?

  • Public liability protection
  • Protection in case of fire damage
  • Protection if personal items stolen
  • Protection if damage is cause by a flood, storm or by accidental event
  • Old for new for caravans up to 20 years old

What does the Towergate Touring Carav​​​​an policy cover?

  • Damage to caravan while being transported is covered
  • Public liability protection
  • Protection in case of fire damage
  • Protection if the caravan is stolen
  • Protection if damage is cause by a flood or storm
  • All family members are covered with this policy
  • Old for new for caravans up to 20 years old

Extras that towergate touring caravan insurance policies covers

  • There is financial protection when touring in Europe.
  • Legal costs are covered in case a law suit is filed against you for some reason
  • There is also protection in case your keys get lost or stolen and your no claims bonus is also protected.
  • The caravan is also financially protected when parked in case of an accident

What should be noted is that no type of caravan insurance is required by UK law. Towed caravans include touring and tents are generally covered by the tow vehicles policy and are generally only third part insurance coverage. What is required by most caravan parks is public liability coverage which is included in Towergate insurance policies. What is not covered is damage inflicted upon the caravan by the owner or anyone they rent the caravan too.

Each Towergate policy cost is determined by the risk factors. They suggest that to lower your premiums you should have adequate security measures in place against theft.

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