Touring caravan insurance companies generally offer a choice of insurance cover from cheaper basic cover, to more comprehensive policies that typically include:
- Accidental damage (usually available as an add-on to a policy).
- Storm and flood damage (if not listed, check with your chosen provider).
- Fire or theft of the caravan (if not listed, check with your chosen provider).
Touring caravan insurance discounts – caravan insurance companies offer discounts for securely stored caravans, caravans fitted with an alarm or tracker system, or other security devices like a wheel clamp or a hitch lock. Many caravan insurance providers also allow you choose enhanced cover, where you have option to add additional cover to include so or all of the following:
- Contents cover – cover for your personal belongings like TVs, laptop, clothes etc.
- Equipment cover – insurance for awnings, generators, gas bottles, wheel clamps etc.
- New for old – when your caravan is under a certain age (typically up to 5 years from new) your insurer may cover it for a new replacement of same/similar specification, know as ‘New for old’ cover.
- European use – insurance cover for using your touring caravan whilst holidaying in Europe.