"The world is your oyster." That's something that's said a lot when it comes to travelling. And to an extent it's true, but it's even truer when it comes to touring in a caravan. It literally is a case of the open road; it's possible to pitch up literally anywhere, as travellers are not confined by the restrictions of public transport and accommodation.
However, it's still important to have protection. Things can, and do go wrong with caravans, and that's why touring caravan insurance has to be taken out. This is something that's as important as personal travel insurance.
What is touring Caravan Insurance?
This type of insurance is just a type of caravan insurance. The only difference is that touring caravans are caravans that move. They are the caravans commonly seen driving down the motorway whilst attached to the back of another vehicle. Static caravans, the other type of caravan, are the type of vehicle that stays right where it is. It doesn't move anywhere and is usually protected on a designated camp site.
Most of these policies will offer cover for trips around Europe, so when a relaxing tour of Normandy is on the cards, then the caravan owner doesn't have to worry about taking out another policy. They also cover conventional things such as liability and damage cover.
What Does a Normal Policy Cover?
• Touring caravan insurance policies will nearly always provide cover for any damage caused to the caravan, or any of the contents inside of it. This includes any damage caused by fire, floods, storms, theft, or accidental damage.
• Around £2 million to £5 million is provided in indemnity insurance, so if a legal case is brought up by a third party, the insurance company will cover any legal costs.
• European cover, enabling touring caravans to go into Europe whenever they want.
However, it should be noted that other continents usually require a personalised policy as this is not generally provided as standard.
Most policies also offer a range of optional extras, plus the opportunity to specify the level for your claim excess.
Lowering Insurance Premiums
Travelling around the UK or Europe in a caravan is designed to be a relaxing experience, but it's more enjoyable if you know your caravan is fully protected, and that you haven't had to pay an extortionate premium for peace of mind, with your caravan insurance. The good thing is that travellers can reduce their touring caravan insurance costs by doing some of the following:
• There are discounts on most insurance policies if no claims are made; up to 15% could be saved straight away.
• Add security devices on to the caravan. This will protect it against theft, and will make it easier to recover a lost caravan if it is stolen.
• Have a clean driving record. If the driver is safer, then there's going to be a lower chance of having an accident. Although this might not be viable for some people, every little helps. Even if the driver hasn't had an accident in just five years, the discounts will still provide some value.
• Join a caravan club. Some have negotiated preferential rates for members, whilst others offer their own club insurance.
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