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If you own a touring caravan then you may wonder about the requirements of touring caravan insurance, such as the legal minimum you need and optional cover available etc. This short guide will explain the ins and outs of what you need to know.

Legal requirements

If you are towing a touring caravan, then you will legally need to ensure that you have at least third party insurance cover. This typically protects you from any claims that arise from third parties for loss, damage or injury caused as a result of you towing your caravan.

However, it does not protect your touring caravan against things such as accidental damage, fire or theft or attempted theft; malicious damage; flood; earthquake; storm or explosion or any other hazards that may befall it.

And that is where touring caravan insurance may be worth considering.

This insurance typically protects both the caravan itself; any accessories (such as awnings); plus possessions inside the caravan against some or all of the events described above. However, as policy features and benefits vary among different providers, it makes sense to check exactly what the cover entails. That way you can have the peace of mind that your caravan and the stuff inside it are properly protected. Some policy providers will give a certain amount of days’ worth of continental cover, as an example, which can be a great benefit to have if you travel abroad with your touring caravan.

Certainly, without touring caravan insurance, should the unexpected happen and your caravan is damaged beyond repair or is stolen, replacing it out of your own pocket will be the only option. Having touring caravan insurance in place can help protect your caravan, leaving you free to tour and enjoy it, without worry and ‘what ifs’.