Caravan Insurance Quotes – Get covered this summer for stress-free caravanning
Spring and summer means one thing. It’s that time of year to think about hitching up the caravan and getting out on the road.
According to camping and caravan booking website Pitchup, us Brits spent over 58 million holiday bed nights in our tents, motorhomes or caravans in 2015. But to make the most of these road trips, and to reduce the stress if anything does go wrong, you need to have the right caravan insurance.
Is caravan insurance compulsory?
A motorhome is classified as a self-propelled vehicle and you are required by law to have a minimum of third party insurance for it. Whilst it might not be a legal requirement to have insurance for a towed caravan, it is strongly advised. If you think of the cost of replacing your caravan and the contents if it is damaged or stolen, insurance is a small price to pay for your peace of mind.
Call Park Insurance on 0117 955 6835 for a quote for your Touring Caravan, Motor Caravan, Static Caravan, Park Home, Folding Camper or Folding Caravan
Is my caravan covered by my car insurance?
While car insurance may provide third-party cover for towing a small trailer, it does not always cover you for towing a caravan. The best bet is to check directly with your car insurance provider. Be sure to find out if there are any weight or size restrictions to what can be towed or you could be in for a nasty shock if you do need to make a claim.
Specialist insurance for stress-free caravanning
Even if your car insurance does provide third party cover for your caravan when you are towing, it won’t cover you if you are responsible for any damage caused, if it is stolen when parked, or if any items are stolen from inside it. For total peace of mind, you’ll need specialist caravan insurance.
What insurance do I need for my caravan?
If you opt for specialist caravan insurance you might want to consider:
- New for old replacement cover
- Cover for use in Europe as well as in the UK
- Payouts for loss of use
- Accidental damage cover
- Personal accident cover
- Legal expenses protection
- Damage caused by attempted theft
- Storm damage
It’s a good idea to look for a provider that can tailor your cover to your exact needs. For example, there is no point paying out extra cash for cover that allows travel across Europe if you have no intention of leaving British shores.
Things to double-check with your car insurance provider before hitching up and heading out:
Tell your car insurance provider if you have fitted a tow bar to your car. It could count as a modification, and if that is the case, and it has not been declared, your car insurance could be invalidated.
Examine the replacement car section of your car insurance. If your car is out of action, will it be replaced with a vehicle that you can also use to tow your caravan?
How can I get the cheapest caravan insurance?
If you’re looking to save money on your caravan insurance, it may be worth spending a little extra money on added security to help deter would-be thieves. Tell your insurance provider if you have additional security devices, such as clamps and wheel locks, which are approved by organisations like Thatcham or have a Sold Secure rating. Using these products might mean you are eligible for a discount on your premium.
When comparing quotes, be sure to take a close look at the small print of any low-cost deals. Whilst the cheapest option might seem the best when you’re looking for cover, it can be more expensive in the long run if you do need to make a claim and discover the limitations of the policy.
Shop around for the best value deal
As with every type of insurance, the costs for the same level of cover can vary greatly between insurance providers. To be sure you are getting a good value deal, take the time to call up as many insurance companies as you can or use an independent broker to do this job for you.
At Park Insurance we have over 30 years experience helping caravan and motorhome owners to find affordable cover. We can negotiate low prices for policies from some of the UK’s leading insurance providers. Our friendly team can tailor a policy to your budget and requirements so you don’t pay for anything you don’t need but do have the level of protection that you can count on.
Call us now on 0117 955 6835 for the best caravan insurance quotes or get in touch.