General Touring Caravan Insurance: Everything You Need to Know

Written by Stuart Craig on 9th October 2020

Don’t let an unforeseen event sideline your touring caravan weekend getaway.

If you purchase a new caravan, it’s vital to protect yourself from a variety of unfortunate possibilities. But, there are a few things that you should know so that you can make an informed decision about investing in caravan insurance.

Caravan insurance isn’t like car insurance. You don’t need to have caravan insurance to take your caravan on the road as you will likely be covered third party on your car insurance. It’s a type of speciality insurance that can save you from considerable losses.

To learn everything you need to know about general touring caravan insurance, read on.

Why You Need Touring Caravan Insurance

touring caravan

You likely take considerable care of your caravan. However, what will you do if it’s damaged or stolen?

It’s important to understand that your car insurance will not cover your caravan. If you’re in an unfortunate accident, and you’re not covered, you’ll have to pay to repair or replace your caravan.

In some instances, the other driver’s insurance may cover your expenses if the accident wasn’t your fault. But, all policies vary. This protection isn’t guaranteed.

Alternatively, you can ensure that you’re protected when you’re on the road by investing in a caravan policy. A touring caravan policy can protect you from various unforeseen events.

For example, it can protect you from losses in the event of theft or an accident. An insurance policy might also protect your caravan due to damage caused by natural events, such as weather or fires.

A standard caravan insurance policy may cover such common losses. However, you can also arrange for additional cover.

For example, some providers allow you to cover the loss of essential items that you store in your caravan. You might also request cover for speciality items, like camping equipment.

You can also insure the mechanics of your caravan. For instance, you can request cover to protect you from losses if your caravan plumbing system leaks and causes internal damage.

What Is Agreed Value Cover?

An underwriter may also call agreed value insurance the “guaranteed value.” The agreed value is what you will receive if your caravan becomes ruined beyond repair. You and your insurer must agree to this amount.

If your caravan becomes ruined, you’ll receive the whole amount stated in your policy. The agreed value cover option is different from regular insurance.

Insurers sometimes call standard insurance “market value cover.” When you purchase a caravan, it decreases in value over time. This characteristic is called depreciation.

For instance, your caravan will have less value after three years. As with automobiles, caravans lose value as soon as you drive them off the lot.

If you’re in an accident, the insurer will pay you the market value of the vehicle if you have this type of policy. But, this amount may not cover the cost of purchasing a new caravan.

Herein lies the benefit of agreed value cover. If your caravan becomes ruined, agreed value optional cover will allow you to purchase a new caravan without incurring any additional expenses.

Choose Your General Touring Caravan Insurance Wisely

You don’t have to spend a fortune to purchase the best caravan insurance. However, it can prove troublesome choosing the ideal provider to trust with your insurance needs.

You shouldn’t have to overpay for insurance. Accordingly, it’s important to shop around for cover and rates. With research, you can ensure that you get the best value for your investment.

However, discount insurance for your caravan isn’t necessarily the best deal. It’s important to understand what a policy covers – and what it doesn’t.

For this reason, you need to take time to review the details of a policy. You should never purchase a policy without taking the time to read the fine print.

Any number of things can go wrong. Caravan insurance might cover a range of incidents, including an accident or theft while you’re driving or motionless.

It’s important to understand the details of your cover. This point is important because some policies may not provide cover if the accident was your fault. Other policies, however, may provide cover regardless of who is responsible for an accident.

It’s also important to know precisely when your policy begins and ends. Once you secure a policy, it’s a advantageous idea to keep it in your glove box.

Don’t Forget About Your Passengers

It’s also a good idea to consider your caravanning passengers. More than likely, you’ll take others along as you enjoy weekend excursions. For example, you may wish to travel with your parents or children.

For this reason, it’s important to understand the age policies of your cover. An underwriter may not cover a driver that’s under 25 years old.

You may find that similar restrictions apply to a policy for your caravan. Again, this point highlights the importance of understanding the fine print of your policy.

If you find a clause that excludes your children, you can arrange to have them added to your policy. Typically, however, this cover will cost more.

Safeguard Your Fun Time Today

Now you know more about general touring caravan insurance. Whether you’re buying a new caravan or considering cover for an existing one, insurance is a good idea. However, it’s helpful to know of an insurer that you can trust.

Shield Total Insurance is your solution securing your new or secondhand caravan. We’re the leading caravan speciality insurance underwriter in the United Kingdom.

We love caravanning. Shield Total Insurance understands the importance of keeping your caravan safe.

Also, we make insurance cover easy to understand. For a nominal fee, you can travel in your caravan in security and comfort.

Contact one of our friendly insurance experts today at 0800 393 966. They’ll gladly answer any of your questions or help you to get started on a new policy.

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