In the UK, over 2 million people take holidays in caravans and motorhomes every year.
Do you own a campervan or want to hire one for your holiday?
Here are some things to know when taking out a travel insurance policy.
What is Touring Caravan Insurance?
Touring caravan insurance protects your caravan against loss or damage while you are on holiday.
While car insurance is required, caravan insurance isn’t. Yet, it is still a smart choice to protect yourself from unforeseen circumstances.
Many people mistakenly believe that their caravan is covered by their car policy.
But, often, your car policy only covers damage to third-party. That means if your caravan damages another vehicle or property. But those policies do not cover damage to your caravan or injury to anyone in your camper.
To protect yourself from unexpected expenses, touring caravan insurance is wise. There are different types of policies for caravans. Yet the most common coverage includes
- third-party liabilities costs
- replacement of lost or stolen items in the van
- Replacement of stolen caravan
- coverage of repairs if the caravan is damaged
- ‘New for old cover’ which means you get market value or a new caravan if yours is a write-off.
So you see, the peace of mind that comes with getting insurance is worth it.
Specialized Coverage
You can also get specialized coverage to tailor your insurance policy to your needs.
For example, if you have medical conditions or are over the age of 65. Also, if you plan to do any type of adventure-seeking during your holiday, you will need extreme sports insurance.
Be sure to be upfront with your insurer or your policy could be invalid.
Always read your policy carefully so you know exactly what you’re covered for.
Single Trip or Several?
Touring caravan insurance can cover you if you rent a static caravan in a park for a weekend or a multi-week holiday.
But, if you plan to take several trips over the next year, it will be more economical to purchase an annual multi-trip cover.
These annual policies provide coverage for trips that are up to one month long. Say you are taking a caravan across the country for the months of May, August and October.
Yet, if you plan to be touring for several months at a time, you will need long-stay travel insurance.
Compare Travel Insurance Quotes
When shopping for touring caravan insurance, the best thing you can do is get multiple quotes.
Then you can compare coverage, fine print and the cost to find the perfect option for you.
Enjoy Your Holiday
Thanks for reading! By purchasing travel insurance for your caravan trip, you protect yourself from unexpected events. So you can avoid costly out-of-pocket expenses.
Travel insurance also gives you peace of mind. That way you can just enjoy your trip without worrying about what could go wrong.
Before you go, check out our other posts. about travel, family, and lifestyle.