Touring Caravan Insurance Guide

Here’s our touring caravan insurance guide. If you have a touring caravan, there is nothing better than hitching it to the back of the car, picking a destination (or just a direction) and heading off into the countryside. Whether you are staying in the UK or heading to Europe, the sense of freedom and adventure may be what draws you to caravan touring. For many it is the lure of the open road combined with the creature comforts of home that make a touring caravan irresistible.

Special requirements of a touring caravan

Touring caravans offer an excellent way to explore the countryside and enjoy the freedom of the open road. This guide is designed to help you consider the unique insurance requirements of touring caravans compared to other types of insurance policies. As a touring caravan owner, you’ll need to consider factors such as the risk of theft or damage when parked on a campsite, on the road, or even on your own property. Additionally, public liability insurance is essential to protect against potential injury or property damage caused by your caravan.

Your touring caravan also comes with the responsibility of ensuring it is properly insured. When searching for touring caravan insurance in the UK, it’s important to find cover that meets your specific needs as a touring caravan owner. At Park Home Assist, we offer a range of standard insurance cover choices and optional extras to tailor your policy to your individual requirements.

Value for money

One important aspect to consider when choosing your touring caravan insurance is value for money. While price is certainly a consideration, it’s also important to consider the level of cover you’re getting for that price. At Park Home Assist, we offer competitive premiums with comprehensive cover to ensure you have peace of mind, when you are on the road.

Our comprehensive caravan insurance covers a range of risks, including accidental damage, theft, fire and storm damage, and much more. As a guide, you may want to consider the following list when you are looking at your touring caravan insurance options:

Standard Cover:

  • Comprehensive Caravan Insurance:
    This covers your touring caravan against accidental damage, fire, theft, and weather damage.
  • ‘New For Old’ cover for caravans less than 10 years old.
    If your caravan is less than 10 years old and suffers irreparable damage, this cover provides for a new caravan to be purchased.
  • £2million Public Liability Cover.
    This covers the legal costs and expenses of defending against claims made against you for accidental injury to a third party or damage to their property.
  • European use of up to 180 days:
    This extends your coverage to when you take your caravan to Europe.
  • Personal accident cover of £20,000:
    This covers you in case you suffer an injury while inside your caravan.
  • Loss of use cover up to £50 per day (£1,500 in total)
    This covers you in case you cannot use your caravan due to damage or loss.
  • No claims discounts.
    These provide you with a discount on your premium if you do not make a claim.

Optional Extras:

  • Contents and personal effects cover:
    This covers the loss or damage to your personal possessions inside your caravan.
  • Protected No Claims bonus for life of policy:
    This option protects your no claims discount for the life of your policy, even if you make a claim. So, if you make a claim on your insurance policy, your no claims bonus will not be affected. This means you’ll still be eligible for any discounts on your premium that are tied to a no claims bonus.
  • Awning cover – ‘New for Old’ up to 7 Years of Age:
    This covers the loss or damage to your caravan’s awning.
  • Discounts for increased excess:
    This offers a discount on your premium if you choose to increase your excess amount.

When you are searching for touring caravan insurance, it’s important to consider the customer service you will receive. At Park Home Assist, our award-winning team is dedicated to providing exceptional service to our customers. We understand that making a claim can be stressful, which is why our team is always on hand to provide support and guidance throughout the process.

When choosing your insurance provider, it’s also important to ensure that they have solid foundations. At Park Home Assist, our insurance is backed by Lloyds of London, giving our customers the peace of mind that they are dealing with a reputable and trustworthy provider.

Owning a touring caravan can be a fantastic way to explore the world around you and you can relax when you know you have the appropriate insurance cover. At Park Home Assist, we offer comprehensive coverage choices and optional extras to ensure that you have the protection you need, tailored to your individual requirements.

We hope this touring caravan insurance guide helps you decide what is important to you in choosing your cover. If you do go with Park Home Assist, you can be confident that you’re getting comprehensive cover at a competitive price, backed by excellent customer service from a reliable insurer.

This is a marketing article from Park Home Assist, multi-award-winning providers of residential park home insurance.  If you would like to speak to an advisor regarding insurance for your park home, please contact our friendly team in our Northampton office on 01604 946 796.

Please note that all insurance cover is subject to acceptance of terms and conditions.

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Published – 19/05/23