Owning a caravan can be the introduction to a world of fantastic and magical adventures. Whether you’re on the road exploring in a tourer, or have found the perfect spot for your static, a caravan holiday could be the perfect getaway. It’s all about relaxing and feeling stress-free, which is where insurance might come in.
Insurance for your caravan is not a legal requirement, however it could be very handy should something go awry. At The Insurance Emporium, we want you to enjoy your time in your caravan with as little worry as possible! That’s why we put together this list of five reasons to get caravan insurance!
1. Enjoy life on the open road
If you happen to own a touring caravan, one of the most intimidating aspects might be hooking it up to the car and towing. With a whole host of hazards on the road such as other drivers, chances of a blow-out and narrow country lanes, having cover whilst you tow your caravan could be important. Hopefully nothing will happen whilst you’re hitched up to your caravan but having the peace of mind that you’re covered up to your chosen cover limit could help make it less stressful.
Accidents happen! On average, Touring Caravan claims for accidental damage amounted to £3,320 in 2022. With one owner hitting a bridge and then rolling into a tree – ouch!
2. Cover when Home and Away
With The Insurance Emporium Quest policy type, you could get up to 280 days European Cover as standard. This means that you’ll have plenty of time to explore the continent in your caravan. It can be stressful travelling abroad in an unfamiliar country, particularly if you’re taking your prized caravan and many of your possessions along with you. Having cover while in Europe could be helpful if something goes wrong on your travels.
HEATIN’ UP: In 2022 there was a 61% increase in claims made in the summer, with over 14% of claims happening in May and June.
3. Public Liability
When you’re heading on a caravan holiday, the thought of a public liability claim arising might not be the first thing that springs to mind but it’s an unfortunate possibility. It could be that you’ve set your awning up and high winds have blown it into a neighbouring caravan or the unthinkable has happened and a fire has started in your caravan, spreading through the site. We hope that these things never happen but having some public liability cover in place could be vital in helping you avoid a huge bill should the worst occur.
4. Alternative accommodation
Whether you’ve got a week away planned in your static, or you’re already halfway through your touring break, if something happens to your caravan and makes it uninhabitable it can be a real nightmare. Having to cut short your holiday could be heartbreaking. However, you might not have to head home if you have insurance with Alternative Accommodation (not available on the Trip level of cover) & Replacement Hire. This could potentially provide reimbursement towards a new place to stay or hire of a caravan similar to yours, helping you enjoy the rest of your holiday!
5. Covering all bases
One of the many joys of owning a touring caravan is that for eight months of the year you’ll likely have planned several adventures to enjoy travelling around in your ‘home from home’. While there’s plenty of hazards you’ll be prepared for during touring season, out of season, there’s still the worry of theft or accidental damage caused by storms.
The thought of having your caravan stolen, potentially as it holds some sentimental value or contents within it, is not pleasant, but unfortunately there’s always the risk. Especially when your caravan is in storage and, like magpies, thieves are often struck by higher-value and well-maintained caravans. While insurance can’t bring back your prized possessions, it may mean you could recover your losses.
STOLEN GOODS: The highest value claim in 2022 was related to theft, at £25,000!
We’re all aware of the unpredictable nature of the great British weather, and with winter storms becoming more prevalent your caravan could feel the full force of mother nature. Thankfully, our caravan insurance can cover you against accidental damage caused by fire, flood or storm, hopefully getting you back on the open road, for you to make more memories, before you know it.
PRICEY DAMAGE: The most expensive claim paid out for storm damage was an eye-watering £20,000
Conclusion
We believe that insurance is there to try and offer you the peace of mind that, should something go wrong, you have something in place to help you out. We can’t always stop the unexpected from occurring, but we can try to put some protection in place for when it does. Having insurance might just leave you free to sit back and relax!
At The Insurance Emporium, our new Touring Caravan Insurance policies come with a 20% Discount for Drivers Over 30 Years Old* and include a range of Optional Benefits to help you create the perfect policy for your static or touring holiday home.
All data references for 2022 are provided from The Insurance Emporium’s own data set from 1 Jan 22 – 31 Dec 22.
All content provided on this blog is for informational purposes only. We make no representations as to the accuracy or completeness of any information on this site or found by following any link on this site. We will not be liable for any errors or omissions in this information nor for the availability of this information. We will not be liable for any loss, injury, or damage arising from the display or use of this information. This policy is subject to change at any time.
We offer a variety of cover levels, so please check the policy cover suits your needs before purchasing. For your protection, please ensure you read the Insurance Product Information Document (IPID) and policy wording, for information on policy exclusions and limitations.
