What's in this guide?
In this guide we’ll take you through the key points of our caravan cover, explain them in simple language and give you some pointers on how to get the best value out of your caravan insurance. Read on to find out more on:
What is Touring Caravan Insurance?
In essence, Touring Caravan Insurance protects your caravan against loss or damage as a result of unexpected events that happen on the road, on site or while your caravan is in storage. Some third party liability cover is provided by your regular car insurance however, to protect your caravan as an investment, you really need caravan insurance. Depending on which level of cover you choose, caravan insurance can; provide a new caravan if yours gets written off (known as a total loss claim), cover third party liability costs, contribute to the cost of repairs, provide financial help to replace lost or stolen items including the caravan itself.
What are the benefits of Caravan Insurance?
Though it’s not a legal requirement, caravan insurance is a must-have regardless of whether you’re new to caravanning or you’re a seasoned pro.
At Towergate we offer a range of cover levels to suit those who’ve just started out in the world of caravanning those who travel abroad and all circumstances in between. One thing all our policies have in common however, is that they all protect your caravan against accidental damage, theft and third party liability.
The aim of this guide is to help you choose the level of cover that’s right for you. Here are just a few of the great options offered by Towergate:
We’re flexible – We offer a number of options so you can choose the number of days of overseas cover and level of excess that’s right for you
RAC assistance included on select and choice policies – Some providers include this as an added extra at considerably more cost. We include it on our choice and select policies as standard.
New for old cover for life – if you insure with us on our select policy when your caravan is less than five years old, we will provide you with new for old cover for life, provided you stay on the same policy with us.
25% discount available for storing your caravan on a CaSSOA registered site Cover even when your caravan is in storage – We will insure your caravan in numerous locations including; your home, on a caravan site and on storage sites (25% discount available for storing your caravan on a CaSSOA registered site).
Go basic – Got an older caravan? Don’t travel to Europe much? Don’t take anything valuable away with you? If you don’t need it, don’t pay for it. That’s why we offer our Lo-Cost policy to customers so they can save money and still have some cover in place.
Go continental – Not only do we cover caravans in Europe, we also cover caravans from Europe. If you’ve bought yourself a European model, we’ll cover you if possible where some others won’t.
“I’ve heard the Caravan Club offer the best value insurance”
That’s not necessarily true. Whilst members of the caravan club enjoy some great benefits, our policies actually include many of the “bonus” features as standard and at comparable or cheaper premiums.
“My caravan is covered by my car insurance”
Your car insurance will only cover you for some third party liability scenarios. It won’t cover you for damage or theft of the caravan. It pays to insure your caravan with a specialist like Towergate Insurance.
All excesses are the same for all perils “Excesses are the same for all perils”
On Towergate insurance policies this is true. Your adviser will agree your excess level with you when you take out your policy and that will then apply to the whole of your policy. Other providers however will set different excess amounts for different types of claim.
“My new for old is based on the market value of my caravan”
In order for us to give you a correct new for old replacement, you should provide us with the brand new value of your caravan. If you give us the market value, this is likely to be a smaller amount and you’ll get an inferior replacement. We at Towergate only want to give you the best!
How to get the best value from your caravan insurance
We offer different levels of Touring Caravan Insurance to suit different caravanning needs. To help you make the right choice, here are some things to think about when buying your insurance.
Consider how you use your caravan –
Do you use your caravan abroad? If so, how many days per year do you go away for? Do you keep it on site or do you tow it all over the country? Similarly, where do you store it during the off-season?
Ask yourself all these questions to establish which level of cover you need. From Lo-cost which suits infrequent travellers with lower value caravans to our select policy which offers our greatest level of protection for the globe-trotters who like to travel in style.
Consider what you need covered –
The sums insured part of your policy will include the value of the caravan itself and the items contained in/attached to your caravan you would like covered. This may include push bikes, kitchenware and other caravan contents besides laptops and mobile phones. The key here is not to leave anything out and if you end up taking more away with you, be sure to add those items to your policy before you travel to make sure they’re covered.
Know the value of your caravan –
The value of your caravan will affect your new for old value or replacement value. You should know the market value of your caravan and the ‘buy-new’ value if possible. If you have bought a brand new caravan, finding out these values should be easy. However, if you have a second hand caravan or an older model, it’s best to take it to a registered dealership who will inform you on how much they think your caravan is worth.
25% discount for use of chassis secure wheel lock
Discounts are there for the taking –
We offer discounts for all-important, risk-reducing security measures. If you go over and above our minimum security requirement (hitch lock and wheel clamp), we’ll give you 10% off the cost of your premium (before tax and fees) for each of the following installed on your caravan; Fitted alarm (PIR/Tilt sensor), micro tagging, smart water and non-proactive trackers. We also offer a massive 25% off if you use a proactive tracker, chassis secure wheel clamp (check with your adviser regarding accepted makes and models) or store your caravan on ANY CaSSOA awarded storage site.
Be rewarded –
Recommend a friend to us and if they take out a new policy, you and your friend get £10 to spend in M&S.
Be demanding –
We’re here to help you get the best policy for you. So if you want a particular cover, ask us and we’ll set you up with the appropriate policy.
Be sure to tell us if you need to update your policy –
If you need to take more items away with you or you modify your caravan in some way which affects its value, be sure to let us know so that your insurance cover remains valid. Please also notify us if your storage arrangements change.
You’ll find the full list of policy exclusions in your policy documents. Here however, we want to point out a few exclusions that often escape our customer’s attention:
Mobile phones and laptops are NOT covered – Unfortunately we cannot cover electronic devices. We recommend that you check with your home insurance provider to see if these items are covered away from your home. Bikes, TVs permanently stored in the caravan, kitchenware and other items can be insured at your request.
Our cover only applies to caravans used for leisure – if you hire out your caravan or use it for any business venture, we will be unable to cover you. Similarly if your caravan is your permanent residence unfortunately our policies cannot accommodate you.
Theft cover void if you do not use a hitch lock AND wheel lock – To be covered for theft, we require a hitch lock and a wheel clamp to be used when the caravan is unattended. This includes when the caravan is in storage and when on site. If the caravan is stolen and either of these devices has not been used, your claim will not be valid. We endorse the use of other safety equipment and offer discounts for certain security additions however, as an absolute minimum you will need a hitch lock and wheel lock. If you’re unsure of the security requirements for your caravan, please ask your Towergate adviser.
Items not listed under your sums insured cannot be claimed for – If you do not tell us about an item that you’d like insured (e.g. a TV you always keep in the caravan) we cannot provide cover for it. If you make additions to your caravan you must tell us about it or they will fall outside of your cover.
RAC cover not available for caravans over 7m in body length – Most caravans will be within this limit but if the internal length (i.e. excluding the tow hitch section) is greater than 7m the RAC will be unable to tow your caravan away in the event of an accident.
Caravan Insurance jargon buster
Sometimes insurance can be a bit like a foreign language. Here’s our run down of a few words and phrases which may be a little confusing.
Indemnity - Putting you back in the same position they were in before the loss
Public liability - Your ‘responsibility’ for the wellbeing of other members of the public and their property. In insurance, this refers to the cover given to compensate legal costs and compensation payments resulting from injuries or property damage to others, which was caused by you.
Loss of use cover - Cover for alternative accommodation if something has happened to the caravan that makes it uninhabitable.
Excess - A payment you make towards a claim on your policy.
New for old policies - Your caravan and contents will be covered for replacement as new. (If we cannot replace your caravan with the same model we will work with you to find the best equivalent).
Market Value - The cost of replacing your caravan at its present value - taking into consideration; year of manufacture, type, wear and tear.
CaSSOA - The Caravan Storage Site Owners Association. An organisation that gives a security rating to caravan storage sites.
Home - The boundaries of your permanent residence
Policy schedule - Your insurance document outlining the period during which your policy is valid
Why choose Towergate?
As a specialist insurer who’ve been supplying caravan insurance for 20 years, we’ve come to know what caravanners want from their insurance. Combined with our flexible approach to insurance and a helpful approach to customer service, we’re confident that our cover and service will be a huge comfort and allow you to travel in your caravan carefree.
Our claims service is all in house so you won’t get passed from pillar to post. Our claims staff will guide you through each step of your claim and advise you on how to gain swift resolution of your claim. Simply give us a call and we’ll take it from there.
Can we help you with anything else?
As one of the largest insurance intermediaries in Europe, Towergate offer a huge range of specialist insurance products. In the leisure department alone we offer insurance for; Touring caravans, park homes, beach huts and our insurance4carhire.com team offer great value hire car excess waiver insurance.
Plus, if you run your own business, you can get expert business insurance from our specialist SME team. From tradesmen to beauty therapists, get in touch with them today to see how they can help protect your business. Visit our business insurance pages for more information.
Download the PDF version of our Touring Caravan Insurance Guide.