Are you a proud owner of a touring caravan in the UK? If so, then you know that taking your home on wheels on the road can be a fantastic way to explore new places and make memories with your loved ones. With that freedom, though, comes the responsibility of protecting your caravan and yourself with the right insurance.
Caravan insurance in the UK is a must-have, if you want to ensure that you're covered in case of theft, damage, or accidents: so, let's dive into some of the facts and figures around it.
How much is caravan insurance?
First off, did you know that there are over one million registered caravans in the UK? That's right - caravan enthusiasts are everywhere! With so many of them on the road, there is a lot of competition amongst insurance providers.
The quesation is though: how much does caravan insurance in the UK cost? According to research by the Caravan and Motorhome Club, the average cost is around £200 per year. However, this can vary greatly depending on a number of factors, including the age and value of your caravan, your claims history (if any), and where you plan to take it.
Speaking of where you plan to take it; it's worth noting that some regions in the UK are considered higher risk for theft and damage. The top five regions for caravan theft in the UK are North West England, Yorkshire and the Humber, East of England, West Midlands, and South West England, according to Caravan Guard. So, if you're planning on going to one of these regions, you may want to consider a higher level of insurance to make sure you're fully covered.
Doesn't my car insurance cover towing the caravan?
One common misconception when it comes to caravan insurance is that your car insurance policy automatically covers you for towing a caravan. While this may be true in some cases, it's important to read the fine print and make sure you have the right level of cover for your caravan. Even if it is covered, this usually extends to just third party risks; damage to the caravan itself is not usually covered under your car policy. And remember, even if your caravan is stored on your property and never taken on the road, it's still at risk of theft or damage, so it's important to have insurance in place to protect your investment.
How do I buy insurance?
Well, you might start by clicking the button at the top of this page, and members of a specialist insurance panel will be asked to send you quotes and help you to compare policies from different providers, to search out the best deal for you. Look for a policy that covers you for the type of travel you plan on doing, whether that's short trips within the UK or longer trips across Europe. And don't be afraid to ask about any discounts that may be available, such as a no-claims bonus or a discount for being a member of a caravan club.
It's also worth noting that some insurance providers offer additional cover options, such as breakdown cover or legal expenses cover. While these may come at an extra cost, they can provide peace of mind and added protection for your caravan and yourself.
What do I get in return for the premium?
OK, let's talk about some of the benefits of having caravan insurance. First and foremost, it could provide financial protection in case of any damage or accidents involving your caravan. This might save you thousands of pounds in repair or replacement costs.
Remember, though, that depending on the policy details, insurance may also provide other benefits, such as access to a network of approved repairers and suppliers, 24/7 claims support, and even emergency accommodation in case of a breakdown or accident.
Most importantly though; let's not forget the importance of staying safe on the road. Towing a caravan can be a bit of a steep learning curve, and taking an approved training course could not only help you protect yourself and your loved ones, but it might even reduce your insurance premium too. A real win-win!