Family camping in France: European cover explained
For a half-term trip to Paris and Disneyland, a relaxing break in Brittany, a beach holiday in Languedoc and much else besides, camping in France opens up no shortage of possibilities.
Preparation is key to the success of any camping trip — especially when holidaying abroad. It may be just a short hop over the Channel, but France can feel like a long way from home if something doesn’t go according to plan. The right insurance, therefore, enables you to set off with confidence; safe in the knowledge that your kit and, most importantly, your family are protected should an emergency arise. So, here’s our breakdown of what you need to know regarding European cover should you be thinking about camping with the family in France.
How can European cover benefit me?
The cost of a family tent can vary enormously, from around £150 right up to many hundreds of pounds. On first consideration, insuring your tent might not be top of your list of priorities, but the right Camping Insurance goes beyond the tent and its contents: it’s designed to help keep your holiday on track if something should happen.
Camping Insurance from Club Care gives you the ability to insure up to four tents, as well as associated awnings and attachments. It also covers equipment such as cooking stoves, gas bottles and camping furniture. Contents and personal effects are included too, such as luggage and clothing, with a single article limit of £125 up to a total of £500 for Club members and £300 for non-members.
The “loss of use” element of the policy, however, becomes very important in the context of a family holiday. If your tent becomes unusable due to an insured incident such as theft or storm damage, the cover includes the reasonable costs of emergency overnight accommodation and the hire of a similar tent, up to a maximum amount of £100 per day. This means that the loss of a tent doesn’t have to result in an abrupt end to your holiday.
If you become unwell or injured on holiday so that you are unable to drive (and no other passenger is able to take over the driving) for example, you can also be reimbursed under the Club Care policy for the cost of your family getting home — this is up to a maximum of £500.
Crucially, the policy also incorporates cover for European use for up to 240 days, making it ideal for a delightful summer camping holiday in France.
Keeping your tent safe in all weathers.
Club Care’s Camping Insurance policy is designed to provide the right type, and level, of protection, should your tent become rendered unusable by damage. For instance, storm damage is the most common type of tent claim, so it’s important to consider the likelihood of having to fall back on this type of cover if you are holidaying in France — especially if you’re staying in a region that might be prone to heavy rainfall.
However, sunny days against a backdrop of stunning scenery helps to explain why France is one of the top foreign destinations for British campers. In 2015 for instance, temperatures in the South West were hitting 30 °C by April, while in November, the South was still seeing temperatures in the twenties. Yet 2014 was a different story. The early months were milder than usual; in June, the temperature hit 40 °C in some parts of the South, followed by the wettest July on record.
So France (just like the UK) can be unpredictable. From Normandy right down to the Mediterranean, no matter where you are, you cannot discount the possibility of an otherwise glorious week being interrupted by a sudden deluge. And dry, hard earth loses its ability to soak up rainwater — making tents especially vulnerable.
Insurance does not cover tent damage caused by wear and tear, so it’s important to follow the manufacturer’s instructions for keeping on top of good tent maintenance, too. This includes letting it dry out thoroughly before folding it away after use, inspecting the seams, and applying fresh seam adhesive if there is any fraying.
A well-run site will have a procedure in place for providing campers with weather alerts. It’s also worth checking the weather yourself at least once a day. But if you are hit by a storm, you have the Club Care policy to fall back on.
Keeping you and your contents safe
Camping Insurance goes hand-in-hand with taking reasonable care of your equipment and personal belongings. You wouldn’t leave valuables unattended out in the open in the UK (you wouldn’t be covered for this), and the same diligence should apply when in France, too. If, however, you suffer theft from a completely enclosed tent, this is where you can rely on your insurance cover.
Are you all set for your French camping holiday? Read more about Club Care Insurance to ensure you have everything in place for a smooth trip.