Touring Caravan Insurance

Specialist for over 40 years, providing touring caravan insurance to cover you on the road, on site or at home.

About Touring Caravan Insurance

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New for old cover for touring caravans

We can cover you on a new for old basis if your caravan is less than 10 years old.

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Build your touring caravan cover

Tailored policies based on how you use your caravan.

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Recognising you look after your caravan

Preferential rates if you service your touring caravan at least once every 2 years.

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24/7 Claims Service

Report claims on our online portal 24/7 or call our dedicated team during extended opening hours.

Features of Touring Caravan Insurance

Standard cover

Storm and flood damage cover for touring caravans

You will be covered as standard for storm and flood damage, whether that is debris blown into your caravan by the wind or an unexpected flood on your site. Contents left in the open are excluded.

Touring caravan theft or attempted theft insurance

If thieves are able to bypass your security devices and steal your caravan, or attempt to steal, we can cover you for the loss or any damage they cause. It is important that the necessary security requirements have been taken in order for theft cover to apply.

Accidental damage cover whilst towing

We will cover repairs should you have an accident whilst towing your caravan. This includes if you are on the motorway or manoeuvring around a site. However, this does exclude damage to tyres by punctures, cuts, bursts or braking

£1,000 contents touring caravan cover included as standard

Whichever type of cover you choose; we’ll include a minimum of £1,000 market value cover for your contents so you can be confident that your possessions are protected. Just let us know if you want to add a higher value.

Public liability insurance for touring caravans

We offer a standard £2,000,000 public liability cover on our policies. We understand a lot of parks require this so we have built it into our policy.

Additional cover

Key protection with your touring caravan insurance

We can offer you the option of protection your keys if they are lost damaged or stolen.

Legal Cover

If you are worried about any legal disputes regarding your insured caravan, we can offer protection for this. Including covering legal fees or simply offering legal advice.

Excess Protection

We have a standard £100 excess on our policies and we can offer you the option of protecting this should you need to make a claim.

Touring Caravan Insurance FAQs

Question

Do I have access to an online portal?

Answer

If you purchased your policy after August 2019, you will be able to access our online portal. Please login or call us to set yourself up on 01242 894 174.

On your portal you will be able to view documents, adjust and pay for your renewal, request for one of our advisors to contact you or submit a claim. Unfortunately, our portal service currently doesn’t allow you to make mid-term adjustments or cancel your policy but we can complete these actions over the phone.

Question

How do I access caravan insurance products as a broker?

Answer

If you have already registered, please log in to our portal for caravan insurance brokers. If you have registered, please contact us on 01242 894 150.

Question

Do I need caravan insurance and what does it cover me for?

Answer

Whilst caravan insurance is not a legal requirement it is important to note that your car insurance may only offer a basic level of third-party liability for your touring caravan.

We offer touring caravan insurance to cover you on the road, on site or at home. You can build your own insurance cover based on how you use your caravan. We offer either ‘new for old’ touring caravan replacement cover, or the market value of your touring caravan. Other items we are able to cover include: Contents, Awnings and Equipment.

It is important to protect yourself from the risks that can come with owning a caravan, such as theft, accidental damage, storm damage, and fire.

 

Question

Can you provide cover for touring caravans for non-UK residents?

Answer

No, unfortunately not.

Question

Will my touring caravan policy still be valid for trips to Europe after Brexit?

Answer

Yes, providing you have chosen to include Extended European Towing cover, we will cover your caravan for accidental damage to your touring caravan whilst you're travelling in Europe.

However, for third-party liability (if you cause damage to someone else's vehicle or property whilst towing), this will be covered under your car insurance policy. Please check with your current car insurance provider about the cover you have.

Question

Can I still store my caravan abroad after Brexit?

Answer

If you are a resident of the UK, you can continue to store your caravan abroad, providing you have European cover. You don't need to contact us, unless you are changing your storage location.

Question

What is a Green Card and will I need one when I travel to Europe after Brexit?

Answer

Green Cards are an international certificate of insurance issued by insurance providers in the UK, which guarantees that the driver has the necessary minimum motor insurance cover for driving for the country in which you're visiting. It is a physical document which is printed on green paper and cannot be issued in an electronic format.

The Green Card validates your insurance when driving abroad. If you are anticipating towing your touring caravan in Europe you will need to contact your car insurance provider at least four weeks in advance of your trip to obtain a Green Card (please check that your insurance policy doesn't expire while you're on your trip).

Find out how to prepare to drive in the EU after Brexit.

Please note we do not offer Green Cards: you will need to contact your car insurance provider to obtain one.

Question

Do I need an International Driving Permit after Brexit?

Answer

The International Driving Permit (IDP) is a document that validates your licence to be able to drive abroad. Please check local driving restrictions before you travel to see if you need this.

Question

Do I need to pass a test to tow a caravan?

Answer

If you passed your driving test after 1st January 1997 on a standard driving license, if your trailer is less than 750kg you can tow with a vehicle that is within the maximum authorized mass (MAM) of 3,500kg, if your trailer is over 750kg the combined trailer and vehicle MAM must be no more than 3,500kg. If in doubt, visit this helpful government site on towing.

Question

Are there any exclusions to touring caravan insurance?

Answer

Sadly, our insurance doesn’t cover everything for any amount. The cover provided by the policy and any optional products you choose to take out will have exclusions and limitations.

It is important to read the policy wording and your insurance product information document to ensure that the policy meets your needs.

Question

Can you insure my caravan if its permanently sited or on a seasonal pitch?

Answer

Absolutely, you just need select the correct site description when completing your quotation.

If you rarely tow your caravan or it is permanently sited then you have the option to select limited cover under ‘How often do you use your caravan?’ when you complete your quotation.

Question

I want to make changes to my renewal, do I need to call you or am I able to make the changes online?

Answer

If you purchased your policy after June 2017, you can view, amend and purchase your renewal in your online portal under the ‘My Account’ section.

Question

Are there any touring caravan types you do not cover ?

Answer

We currently do not offer cover to the following models: Dethleffs, Fendt, Hobby, LMC and Tabbert.

Question

Can I insure my hobby caravan?

Answer

No, we cannot currently cover hobby caravans.

Question

My caravan is quite unique - will you be able to cover me?

Answer

We’ve seen all sorts of makes, models, designs and modifications over the years. In most cases, you’ll find your caravan make within the drop down menu when you get a quote, but if isn’t there then you’ll need to give us a quick call on 01242 538 431 so we can get a bit more information and confirm whether we can provide cover.

Question

Can I lend my touring caravan to friends and family?

Answer

Only immediate family members are covered for towing as standard on our touring caravan policy . Please refer to the definitions page in the policy wording for details of who is included under ‘Immediate Family’.

We may be able to offer you ‘Extended Towing’ cover. This means anyone with a valid and relevant driving license, and has your permission to use the caravan, is covered to tow your caravan. To see if you are eligible to add this cover, please speak to one of our advisers today on 01242 894131.

 

Question

Can I lend my touring caravan to friends and family to go away in?

Answer

Only immediate household family members are covered for towing on your standard policy; however, you can get additional ‘Extended Towing’ cover that means anyone with a valid and relevant driving license, and your permission of course, is covered to tow your caravan. It’s simple to add this cover to your policy, either login through our online portal or speak to one of our advisors today. If you are looking to apply this cover midterm, you will need to contact us.

Question

Do you offer touring caravan insurance that is part of a business for paying guests?

Answer

No, we wouldn’t be able to cover it as it is for commercial use. We only insure touring caravans for personal holiday use.

Question

Can I pay in instalments?

Answer

If you would prefer to spread the cost of your policy you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).

To find out more about PCL and direct debit payments, select Direct Debit.

To understand more about how PCL work together with Towergate, please read our Regulatory Information.

Question

How will my documents be sent?

Answer

When you purchase your touring caravan insurance policy, we will send you a welcome email with your policy documents. If you have requested paper versions, these documents will be sent to you in the post. If you purchased your policy after June 2017, you can also view your documents in your online portal.

If you are renewing your policy, your documents will be emailed to you in your renewal pack or available in your online portal in the ‘My Account’ section.

Question

Where can I find full details of my policy?

Answer

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

Question

Is there a charge to cancel my policy?

Answer

Yes – to cancel your caravan policy there is a £30 cancellation charge.

Question

Are there any other charges to consider when cancelling my policy, other than the £30 cancellation fee?

Answer

If you choose to cancel your policy within the first 14 days, you will not be charged and a full refund will be provided, including any additional products you may have selected, as long as no claims have been made. The 14 days begin from the date your policy starts or the date you receive your documents, whichever is the latter.

If you decide to cancel your policy after the first 14 days, you will be charged, by the insurer, for the time you have been on cover and a £30 cancellation fee and our commission will be retained on a pro rata basis. Also, our customer service charge and any additional products are completely non-refundable. However, if a claim has been made, the full premium will be charged.

Our optional additional products include: excess protection, Homecare Emergency, legal protection and key protection. Please check your documentation to confirm if you have included these products in your policy

Question

What document do I need to show as proof of insurance?

Answer

When you purchase your insurance, we will send your Policy Schedule in your welcome email which you will need to retain as your proof of insurance. If you purchased your policy after August 2019, you can also view your Policy Schedule in your online portal.

Question

How do I renew my policy?

Answer

Your renewal information will be emailed to you before your renewal date. If you purchased a touring caravan policy after June 2017, you can also view your renewal documents and make changes to your policy in your online portal in the ‘My Account’ section which will include details of what is insured and your premium for the next year.

Question

I have included an optional additional product in my policy, am I able to remove this?

Answer

Yes, you can remove your optional additional products at any time. However, you will only receive a refund of premium for these covers in the first 14 days. After the first 14 days the optional additional products are non-refundable.

Product and Service Support

Policy Documents

These are just some of the key features and exclusions, full details will be found in your policy wording.

Policy wording

Uploaded: 20/12/2021

749 Kb

Insurance product information document

Uploaded: 20/12/2021

320 Kb

View all documents
Policy documents

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.

1.

Find your insurance documents

and make sure you have all your information at hand, including your policy number

2.

Call the claims team

on 0344 892 1416 and explain exactly what happened

3.

Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim