Compare Tourer Caravan Insurance Quotes
Compare Touring Caravan insurance quotes and get the cheapest Tourer Caravan insurance.
What Is a Tourer Caravan?
Do You Need Touring Caravan Insurance?
By law you do not need caravan insurance, however considering the cost of replacing such a possession it makes sense to have financial protection for it.
What Types of Tourer Caravan Insurance is available?
New for Old
These might be covered if there has been no incident, but it is best to check your policy’s wording. If there has been a problem before you took out cover, you may not be covered for it under a new insurance policy.
Market Value
To lower the risk of making a claim on your wedding insurance and causing yourself further stress you should look to use reputable suppliers for your wedding arrangements. Use secure storage for your wedding rings and other important items. Be vigilant on the day of your wedding to prevent theft or damage to property.
Does Caravan Insurance Cover Campervans or Motorhomes?
What Can Be Covered By Touring Caravan Insurance?
A tourer caravan insurance policy is easy to find with our comparison service, but that doesn’t necessarily mean you know what you can expect. A tourer caravan insurance policy could cover you for:
Interior Damage
If the inside of your caravan is damaged after an accident you’re most likely covered.
Exterior Damage
If your caravan gets damaged externally during towing you could be covered under caravan insurance.
Third-Party Liability
If your caravan damages someone else’s property or a member of the public gets injured by your caravan your insurance could cover you from claims.
Theft
If your tourer caravan gets stolen whilst it is detached from your vehicle, locked up and either outside your home or on a camp or caravan site your caravan insurance policy will cover you.
Most of the caravan policies you’ll find on our comparison service will cover events like theft, fire and accidental damage. Some even cover weather damage.
If you’re worried about your possessions within the caravan you may want to add optional extras such as personal possessions cover and even camping equipment cover if you have some outdoor pieces.
Breakdowns
Touring caravans may even have the optional extra breakdown cover as an addition, helping you to get back on the road as soon as possible on your holiday.
Lowering the Cost, getting Cheap Tourer Caravan Insurance
A comparison service makes finding your next insurance simple, but you can get cheaper prices by following our steps below:
Use Secure Storage
Storing your tourer caravan somewhere safe helps to lower quote costs and get cheaper insurance.
Improve Security
Improving the security of your caravan by using an alarm, window locks and wheel clamps will help to lower the price of your insurance.
Get Club Memberships
You might be part of a caravan or motorhome club and letting our comparison service know could save you some money via a discount.
Optional Extras
As good as optional extras can be, they add cost. Whilst we don’t advise the removing cover that you need, anything you don’t need will help to bring the cost down.
What Are Common Touring Caravan Insurance Exclusions?
With every policy there are exclusions, these will vary from one to another, but these are common exclusions across most policies:
Lack of security
If your caravan is stolen or damaged due to it being unlocked or not protected it won’t be covered.
Infestation
Whether vermin or insects, insurance does not cover damage from infestation.
Common wear and tear
Wear and tear from everyday use will not be covered by caravan insurance.
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Frequently Asked Questions
Is tourer caravan insurance a legal requirement in the UK?
Tourer caravan insurance is not a legal requirement in the UK. However, many touring caravan owners choose to take out an insurance policy in order to protect themselves from financial losses incurred following accidents or damage caused by adverse weather. Touring caravan insurance can provide cover for any accidental damage caused by you or someone else while you’re on the road, as well as losses due to fire, theft, or vandalism.
Can you use your tourer caravan outside the UK?
Yes, you can use your touring caravan outside the UK. However, your insurance policy may not cover you abroad unless you purchase additional coverage before your trip. Additionally, it is important to check the terms and conditions of your insurance policy before leaving the UK as some insurers may not cover you for certain types of claims, such as medical expenses if the claim is made abroad.
Can your family use your tourer caravan?
You should check the terms and conditions of your insurance policy to make sure that everyone using the caravan is covered. With certain policies both friends and family can be covered, however, an additional fee may be charged for each person added to the policy. If you are in any doubt about who is covered by your insurance policy then it is best to contact your provider for more information.
Does your home contents insurance cover the contents of your tourer caravan?
Generally speaking, home contents insurance does not cover the contents of your touring caravan. You should purchase a specific tourer caravan insurance policy to ensure that you are covered for the items inside your caravan. It is also important to be aware that the coverage offered by different insurers can vary significantly so it is important to shop around for the best deal.
Can you get tourer caravan insurance if you live in it?
Yes, you can get tourer caravan insurance if you live in it. However, the cover available may be more limited than for those who use their caravan for holidays or short trips. It is also important to check with your provider that you are covered for all of the activities associated with living in.
How do you make a change to your tourer caravan insurance policy?
If you need to make a change to your tourer caravan insurance policy, then it is best to contact your provider directly. Most insurers will allow you to make changes online or over the phone.
Do you need to pass a test to tow a tourer caravan?
If you passed your driving test after the 19th of January 1997 and your caravan doesn’t exceed a total of 3,500kg Maximum Authorised Mass (MAM) you’re allowed to tow it on your standard licence.
To understand more on this, head to gov.uk’s guidance for towing.
What optional extras can you get with caravan insurance?
Our online tourer caravan insurance comparison service allows you to compare different policies and add optional extras to your policy. The extras available to you are:
- Personal effects cover – This covers the loss or damage of personal items whilst in your caravan.
- Equipment cover – Covers the loss or damage of leisure equipment associated with your caravan.
- Awnings cover – Covers the loss or damage of awnings associated with your caravan.
- EU cover – Allows you to use your caravan in EU countries
- Caravan and vehicle breakdown cover – Provides cover if your caravan or vehicle breaks down whilst on holiday.
- Legal assistance cover – Gives you access to legal advice and assistance should you be involved in a dispute arising from an accident or any other event.
How long do your quotes remain valid for?
Your quotes from insurers typically remain valid for up to 30 days, depending on the insurer. After this period, you will need to re-submit your request and obtain new quotes. You should also keep in mind that insurance policies may change over time so be sure to check with the insurer prior to purchasing a policy.
