Caravan Insurance

There are typically two types of caravan, the touring caravan and the static caravan.

In regards to insurance, these are considerably different in risk and hence require different insurance policies to cover these. Money Ideas will explain this in this article.

A static caravan is generally a semi-permanent pitch on a caravan site, typically serviced with water, sewer and electricity in contrast to a touring caravan that is towed behind a vehicle and allows a traveller to travel much further through the use of camping and caravan sites.

The touring caravan is subject to the risks of the road including collisions with vehicles and accidents caused by side winds or incorrect loading. A static caravan however is exposed to risks from nature including flooding of the site and falling trees.

As with any type of insurance it is best to look around and find cheap online quotes for free. These can then be compared not only for price but also for suitability and comprehensiveness of cover.

There are many different insurance website out there and the best way of finding them is by doing a simply search in google. As caravans are often used during peak holiday seasons, it may pay off to look for a quote out of season, for example in winter. Often insurance companies will have different rates for different periods.

Another good money saving tip is to only insure the caravan for the time period it will actually be on the road. For example, if you are only using the caravan once a year during the summer holidays, only take out temporary car insurance for that time period.

You may also be able to take out a multi car insurance that will cover both your day to day car and your caravan at the same time. It’s always best to check with your existing car insurance, especially if you already have several years worth of no claims bonuses.