Whilst many caravan and motor caravan owners spend time thinking about their options when it comes to their general insurance, some spend less time on considering their options with breakdown insurance. This may well just be based on the fact that they already have some form of policy in place for their towing car and forget about their caravan. But, getting cover for both of the vehicles may be worth thinking about.
Covering your towing car is important. This may even be the most important element of breakdown cover. But, caravan owners may also want to consider how they might cope if something mechanical went wrong with their caravan. If it wasn’t roadworthy because of mechanical failure or was not fit to be towed then their car breakdown insurance may not be able to help them.
Being stuck somewhere on the road with a caravan that needs work may be a hassle and, without some form of breakdown cover, it may also prove to be expensive. If you have car problems when you are towing a caravan then you may also experience problems even if you have breakdown assistance on the car itself.
You may, for example, need to check if your breakdown provider is willing to help with your caravan in this instance and some may not. It may be good that they agree to tow your car away to have it fixed but this may not be a great help to you if it leaves your caravan stranded on a lay-by and you have to arrange to deal with it.
Buying breakdown insurance for a car and a caravan works in much the same way as standard breakdown solutions except both vehicles get cover. It is, for example, common for insurance companies that offer these policies to offer a range of graded benefits from the basic to the fully comprehensive. It may be worth looking at these options in detail to work out which may be the most suitable for you and your vehicles.