Touring caravan insurance: What you need to know

Paying for insurance is something most people would rather not do. It can seem like you are throwing money away, especially if you have never had to make a claim. The fact remains however, that to be able to drive any type of vehicle legally in the UK, you must have it insured. This also applies to caravans. Whilst you can legally have your caravan insured under your car insurance, this is not the best idea as the level of cover you get is very minimal, usually only covering breakdowns. To have your caravan covered well it is strongly recommended that you get a dedicated policy tailored to your needs.

Touring caravan insurance is ideal for those who mostly keep their caravan attached to their car and travel around in it regularly. Most policies will provide cover for theft, breakdowns and content theft. The level of coverage you get will vary depending on the insurance provider and the extras you specify.

It’s a very good idea to write down anything you are uncertain about so that you can ask insurance providers about it when you contact them. A couple of key things to find out are what isn’t covered in your policy and how much contents covered you will provided with. Some insurance providers will not provide content cover for certain items, such as jewellery, so it’s very important that you’re aware of what is protected.

Getting Quotes

When it comes to getting quotes for a touring caravan insurance policy you have a couple of options. You can either opt to contact insurance providers by phone or online. Each has its advantages and which you do is entirely up to you. Getting quotes online means you are able to think clearly without any pressure to take out a policy. However by speaking to someone on the phone you’re able to have your questions answered immediately.

If you do choose to get quotes online then take the time to look through the details of the policy carefully. It can be tempting to simply look at the price and whilst this is important it’s just as important to know what you are covered for.

Saving Money

There are a few ways you can save money when taking out a touring caravan insurance policy. One of the best ways is to make your caravan as secure as possible. This means having it fitted with an alarm and GPS device. You should also be sure to have it securely parked when at home. Ideally you would be able to park it in a locked garage. By demonstrating to insurance providers that your vehicle is secure, you should make a good saving on your policy.

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