Caravan Insurance checks to make before your holiday
checks before holiday
If you are planning a caravanning holiday, whether at home or abroad, don’t forget to check your insurance policy to make sure you’re covered.
If you currently have a Touring Caravan Insurance policy, you should start by taking a look over your documents to check your level of cover, in case you need to make any changes before your holiday begins. And if you don’t have caravan insurance, we think it’s a good idea to buy before you leave.
There are three key points to consider when checking or buying caravan insurance to make sure you’re covered whilst on holiday, and these are:
1. Do you need your caravan to be covered overseas?
If you are considering taking your caravanning holiday a little further afield this year, you will need to make sure that your unit is covered for travelling overseas.
Lots of Touring Caravan Insurance policies do not offer cover whilst travelling abroad, but it can often be added if needed. If this is the case with your insurance provider, and there’s no mention of cover whilst abroad in your documents, call their help centre to discuss adding this to your policy. Similarly, lots of insurance providers will limit the number of days or locations that they will cover you whilst abroad, so always check that your cover is sufficient for your holiday plans.
At Club Care Insurance, the insurance arm of The Camping and Caravanning Club, up to 365 days of European cover is provided as standard. Just call 01277 243 000 to discuss any long- term holiday plans and any plans to venture outside of the EU with one of their friendly advisors.
2. Does your policy include breakdown cover?
The next insurance consideration that you should bear in mind before your getaway is your breakdown cover, as breaking down in an area that you don’t know well can be an unsettling experience and an unwelcome holiday memory.
Your current car insurance may already include breakdown cover, but it could be an addition that you need to organise before you go away to make sure that your touring caravan is also included. This is important not only for your safety, but also for financial reasons as if you do break down without cover it could be costly, especially if you’re travelling abroad!
3. Are your security features working?
Third and finally, you should always check that your safety and security features are in good working order before you travel, as it could have an impact on your insurance policy if they aren’t fully functional. You will have told your insurance provider about any additional security features, so if any of them aren’t working, you must tell them before you go on holiday.
Once you are happy that your Touring Caravan Insurance will cover you effectively for your holiday, you can drive off into the sunset with your caravan in tow and complete peace of mind! If want to purchase a new insurance policy, get a quote from Club Care Insurance to receive some exclusive membership benefits, including:
● New for Old cover up to 15 years
● Free contents cover up to £1,500 (caravan only)
● Personal accident cover up to the age of 85
● Loss of use cover up to £3,500