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What does caravan insurance cover you for?
Accidents happen to all of us. You may have been caravanning for years but even the most experienced towers make mistakes when parking on a pitch. We’ll also cover you for mishaps while you’re on site such as damaged awnings. Unfortunately, we can’t cover wear and tear though so it’s a good idea to check your equipment and replace items which look a bit tired.
If your touring caravan is slightly older or you don't get out in it as much as you'd like, our Lo-cost option could be right for you. Cover includes: damage caused by fire, theft or attempted theft, public liability and 30 days’ European cover. Unfortunately, this policy doesn’t include any accidental damage cover and we don’t offer any security or storage discounts. For a full list of exclusions please refer to the policy booklet.
We know you want to take care of your caravan and we like to reward those who’re extra careful. When you use a fitted alarm (PIR/tilt sensor), smart water or non-proactive tracker, we’ll give you 10% off. Plus, if you use an AL-KO chassis secure wheel lock or a pro-active tracker, you can receive a 25% discount! We only ask that you have your hitch lock and wheel clamp on at all times when it’s not in use, you’re onsite or you’ve left the caravan alone whilst it’s attached to your car.
As well as protecting your caravan, we provide caravan cover for the awning and other accessories you may have fitted to your caravan if you allow for them in the sum insured. We can include motor movers, satellite receivers, solar panels and other equipment such as aquarolls. Our sums insured can go all the way up to £60,000 so let us know what you’d like included and we’ll do our best to cover it.
These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents
At Towergate we’re proud of our claims service. Our friendly caravan team in Cheltenham are dedicated to reacting quickly and to keeping your claim moving forward.
Simply call using the number provided in your policy documents. We will talk you through the details of your claim and advise you of the next steps in the process. We will continue to guide you through from notification through to settlement.
Most importantly, when your claim is settled we will ensure payment by BACS straight in to your bank account.
Give us a call and we’ll help settle your claim
Get tips and advice from our industry experts to ensure you get the best out of your caravan insurance.
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You should always look for features which best suit the way you use your caravan. If for example, you keep it on-site or in storage for most of the year, you may prefer to go for our no-frills option. However, if you use your caravan regularly and tow it on public roads, you'll want to be sure you have third party cover and accidental damage cover. We'd also suggest you seriously consider theft cover as this is a risk no matter where you store your caravan. The key is to tell us as much as possible about your caravan and the way you use it - that way we can help you get the right cover for you.
If you passed your driving test after 1st January 1997 you'll probably need to take another driving test commonly referred to as the B+E test. On a standard driving license however, you can tow vehicle and trailer combinations up to a certain weight. If in doubt, visit this helpful government site on towing.
Sadly, even our insurance can't cover you for anything and for any amount. We do however offer different levels of cover and each of them will have different exclusions and limits. It's best to read the policy documents on this page to find out the exclusions relevant to the policy you're interested in. You'll find the documents just above the green box featuring our very own Adam Summersby.
Absolutely. Unfortunately this option isn’t available online as we need to find out a bit more information from you. Getting your permanently sited caravan insured is only a simple phone call away though. Call us on 01242 538 431.
Yes. We insure hobby caravans however, you’ll need to phone us to get cover for these vehicles as they are slightly more specialist. Call us on 01242 538 431 to set up your cover.
We’ve seen all sorts of makes, models, designs and modifications over the years. In most cases, we’ll be able to cover you but it’s best to phone us up so that we make sure we get all the correct details. Get in touch with us on 01242 538 431 if your caravan is a little more out-of-the-ordinary.
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.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.