Ahhh…. Summer…. The time of year when caravanners will be dusting down their gear, getting their caravans out of storage, and dream of sunny days on the open road. Unfortunately a lot of these people will do so without having any kind of caravan insurance cover. And for a section of these this will prove an expensive oversight.
Those dreams of carefree days can turn to a nightmare if disaster befalls, and adequate precautions were not taken prior to setting off on your trip. And the strange thing is that there is not actually a legal requirement to insure a caravan. Indeed may people rely on their household insurance.
Nigel Coppen, spokesman of the Camping and Caravanning Club says, “Many people are surprised there is no legal requirement to insure a caravan, but you are covered under your motor insurance in the case of an accident on the road.” However he sagely adds that “Personally, I wouldn’t own something that can cost up to £20,000 and not insure it.” We’re with you on that one Nigel.
Ian Crowder of the AA says, “Most motor insurance policies do allow the driver to tow a caravan or trailer,” adding that, “you should check with your insurer.” He also points out that there are “tough rules about which cars can tow which size of caravan.” And it is wise to stick rigidly to this, or risk losing out.
Having good insurance is very important for at least two reasons: firstly, you could find yourself very out of pocket if things go wrong; secondly, you are going to have a rotten holiday if something goes wrong. And bear in mind that many insurance policies will cover for alternative accommodation, so you can continue to enjoy your holiday without the financial burden.
Also bear in mind that contents left inside a locked car are not covered by your car insurance. So if your car is broken into and valuable gear is stolen, you will have no protection.
And for those relying on their home insurance policy, these items could add up to a hefty sum, which your insurance may not cover, and could also push up next years premium by a hefty amount.
We have said it before many times, and we say it again. Be sure you have an adequate touring caravan insurance policy. That is what we here at caravan-insurance-cover.co.uk are here to help you with, find the right insurance at the right price.
