Touring Caravan Risks

The freedom and flexibility of towing a Touring Caravan with you for a holiday, and then being able to drive your car and sleep in affordable comfort is the cause of the Touring Caravan’s popularity across the UK. But what are the insurance risks threatening your Touring Caravan experience and what should you consider looking for in a policy to cover your Touring Caravan?

Road Risks

Because you will be towing your Touring Caravan behind you to and from your holiday destination, which could be hundreds of miles away, you are at risk from the same kinds of things as all the other road users, but the possibility for incurring damage is multiplied by the size of the object that you are moving and the restrictions it places on your driving awareness. Even if you are an experienced driver, you must have a minimum Tourer Caravan Insurance level of third party liability when towing, as with driving a car, and collision with other vehicles is therefore covered by all policies, but there are other specific risks to Caravans. Side winds and low bridges can both cause unwanted damage, and if your Caravan is damaged, getting safe transport and storage before a repair can be made is something most insurers consider in their policy cover. Some will even offer safe, protected storage for your Touring Caravan whilst it is not in use, which could prove to be a deal breaker if you don’t have the ability to store it safely on your own property.

Travel Abroad

Taking your Touring Caravan abroad to combine creature comforts with international exploration may seem like an obvious thing to be considered by insurers in their policies, but the increased risks and varying legal circumstances concerning Caravan travel abroad also concerns insurance companies. There may be limits or extra to pay to ensure that you are covered on your wider travels and being stranded in a foreign country with a damaged Caravan is not on anyone’s wish list.

Anti-Theft Clauses

Because Touring Caravans are so portable, they are liable to become targets for thieves. As a result, some insurance companies insert clauses into their policies that require the mandatory use of hitch lock or wheel clamping security devices in order to quote for your Touring Caravan Insurance, and if in the event of a claim it is found that you didn’t adhere to these measures then you may find it difficult to recoup your losses through insurance.

Contents and Equipment Cover

Travelling with a Touring Caravan filled with expensive devices and precious property is something every Caravan user does, but making sure that you aren’t forced to replace any of this in the event of theft is something most insurance policies will include. What is liable to vary is the amount for which you are covered by your insurance and what must come from your own pocket.

Loss of use cover

Should your Touring Caravan become unusable before or during a planned holiday and as a result you loose money, some policies will cover you for varying amounts with a flat daily rate, but there are different limits and rates available, it is up to you which kind of cover you think you require. All of the above are considerations when buying insurance for touring caravans.