Why Do I Need Caravan Insurance?
As with any other vehicle on the roads, you'll need to ensure you have cover in place for your caravan or motorhome to comply with UK laws and regulations.
Should you be involved in an accident where you damage the vehicle of a 3rd party, you could find yourself liable for the cost of repair and compensation. Similarly, if your caravan is damaged in the process, then you'd have to foot the bill for repair, or replacement in the case of it being written off.
Caravan insurance can help in this situation, as it provides financial recompense in the event of such incidents, giving you peace of mind and saving you money.
What Cover Options Are There?
Caravan insurance is usually split into 3 main categories: Touring caravan, static caravan and trailer tent/folding camper. Motorhome insurance is also offered by many of the same insurers and features similar cover.
Let's take a brief look at each category to help you understand what is included:
Touring caravan insurance: Covers you for a caravan towed behind your vehicle and usually features new for old replacement, 3rd party/public liability cover, contents & equipment, European cover and a variety of differing covers depending on each insurer.
Static caravan insurance: Provides cover for a caravan that is located in a fixed place such as a caravan site or holiday park. Cover is similar to that of touring caravan insurance but you will usually find that you are not covered to use the caravan as a permanent place of residence.
Trailer tent insurance: Covers you for a trailer tent or folding camper that is pulled behind your vehicle. Typical cover is similar to touring caravan but with the common exclusions being, vermin/mildew damage and theft of personal possessions.
Motorhome insurance: You will usually find that this provides similar cover to a touring caravan policy in most aspects but is similar to car insurance in structure. You should be able to choose between 3rd party only cover, 3rd party fire and theft, and fully comprehensive cover.
Guide to Caravan Insurance
To find out more about insurance for your caravan, motorhome or trailer tent, please visit our guide to caravan insurance which contains top tips and advice to help you find the right policy.
Alternatively, to search for cheap cover for your caravan, why not visit one of the insurers in the directory above to get a caravan insurance quote.