Do I need caravan insurance for peace of mind?

By George · August 9, 2010 · 5 Comments
Caravan Insurance · Tagged: Caravan Insurance

Rather than ask the question – do I need caravan insurance? – it may make more sense to change it round slightly and ask – can I afford to do without it?

If you never have an accident and are extremely lucky, you may never have to make a claim on you caravan cover but this is not the same thing as saying that you don’t therefore need caravan insurance.

Life tends not to be just quite as simple as that!

Even if you are the most careful driver and the most responsible caravan owner in the world, you still have no control over other people.

Do I need caravan insurance for my tourer?

As a caravan owner, the risks that you face vary depending on the type of caravan that you have.

With tourers for example:

you may be out and about on the roads more and at risk from traffic accidents;
you may take frequent continental trips and therefore have a higher annual mileage;
your caravan may be a bit of a magnet for thieves.

Your caravan insurance needs to provide cover for these particular types of risk.

If you have a static, the main risks you face will be different. For example, it may be:

less at risk from traffic accidents but more at risk from natural disasters;
left unattended over winter and therefore a potential target for vandals;
better equipped than a tourer and contain more of your belongings.

Getting the right mix for your own caravan usage patterns has been made a bit easier recently and you may find most of the information that you need online on a specialist caravan insurance website.

So the answer to the question “Do I need caravan insurance? “ is typically yes but not just any old caravan insurance. Taking a bit of time to get the most suitable cover typically makes sense.