Breakdown Insurance for Caravan and Car

If you are towing a caravan with your fully insured car then you might be asking the question “Do I have to have breakdown insurance for caravan and car?” this is a good question and generally you would have to check the small print of your car insurance policy to find out but usually in the majority of cases if you have paid out for breakdown cover for your car then the same policy would also provide cover for your caravan. This means that you would not have to payout for a separate policy for your caravan.
Of course the above scenario would only work out if you are towing your caravan with your own car and you had pre-checked to ensure that your caravan would be protected this way. If you have a campervan then you would have to ensure that your campervan insurance included breakdown insurance.
Breakdown insurance is essential as otherwise if you were to breakdown when on the road with your caravan you would have to pay for the costs to have your caravan towed to be repaired. This could be a substantial sum and you would also have to pay to stay in alternative accommodation whilst your caravan was being repaired. With insurance behind you these costs would be paid by your insurance company. However you would need to check the terms as while a policy will pay towards the cost of alternative accommodation it would only pay for so many days and for up to a certain amount each day.