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 Touring Caravan policy cover?
Extras that towergate touring caravan insurance policies covers
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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