My caravan is stored/sited abroad, and I cannot collect it due to COVID restrictions, is it still insured?
Yes, as long as the storage or site location is stated on your schedule and all the details of your security devices are up to date and in use.
Will my touring caravan policy be still be valid for trips to Europe after Brexit?
Yes, providing you have 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.
Can I still store my caravan abroad after Brexit?
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.
What is a Green Card?
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.
Find out how to prepare to drive in the EU after Brexit.
Will I need a Green Card when I travel to Europe after Brexit?
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).
Please note we do not offer Green Cards: you will need to contact your car insurance provider to obtain one.
Do I need an International Driving Permit after Brexit?
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.
Can you provide cover for touring caravans for non-UK residents?
No, unfortunately not.
What should I look for in a touring caravan insurance policy?
You should always look for features which best suit the way you use your caravan. With our touring caravan product, you can build your own policy, based on your caravan lifestyle. We offer cover which includes New for Old or Market Value, cover for storm damage and flooding, theft and accidental damage whilst towing, as standard. We also offer a number of optional additional products options. For example, if you use your caravan regularly, and tow it on public roads then you may like to add a No Claims Protection and Key Cover. If you do travel with your caravan in Europe, then you could choose to include cover such as European Towing. 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.
Do I need to pass a test to tow a caravan?
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.
Are there any exclusions to touring caravan insurance?
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 your own policy wording and your product summary to ensure that the policy meets your needs.
Can you insure my caravan if it’s permanently sited?
Absolutely. It’s really important to us that you don’t pay for cover you don’t need, so if you rarely tow your caravan or you have it permanently sited then we’ll adjust your price accordingly so you’re not paying for towing cover unnecessarily.
Can I insure my hobby caravan?
No, we cannot currently cover hobby caravans.
My caravan is quite unique - will you be able to cover me?
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.
Can I lend my permanently sited touring caravan to friends/family for use?
Yes, as long as you have permission from the site to allow guests to visit or stay there. You may find there are additional restrictions following the pandemic to ensure park safety.
Can I lend my touring caravan to friends and family to go away in?
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.
Can I pay in instalments?
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.