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Are You Correctly Insured For Your Motorhome or Caravan?

19th March 2012

If you’re getting ready to go on a touring holiday in your caravan this year, then you’ll be carrying out all your safety checks before you go. One of the most important things to check is that you are correctly insured for your motor home or caravan. Of course, we all hope that our holiday will go smoothly and that there will be no need to claim on our policy, but there are a number of things you need to consider before you set off.

You must have some sort of insurance to cover your caravan before you can tow it on the road. As a bare minimum, this can be third party liability insurance to make sure that you’re covered in case you hurt someone else or damage their property. However, you may want to consider whether this is enough insurance to meet your needs.

In all likelihood, your motor home will have been a significant investment. Many caravans cost more than the family car. Have you considered what you would do if it were written off in an accident or stolen? In most cases, few of us could afford to buy a replacement motor home from our own pocket. So it makes sense to make a relatively small investment in insurance cover to buy peace of mind.

And don’t forget about what you have inside your caravan or motor home. Take a few minutes to tot up the value of your contents and you might be surprised. It’s not uncommon to have several thousand pounds worth of clothing and equipment inside. Again, this would be very expensive to replace in the event of a break-in or accident.

Don’t risk not having insurance by thinking that it will never happen to you. Motor home thefts and caravan break-ins are all too common. Unfortunately, caravans are often susceptible to small bumps and bangs, often as a result of drivers being unused to parking longer and wider loads in confined spaces. This means that it’s important to get full insurance that covers you for any damage you cause to your own caravan or motor home.

Finally, it can be tempting to allow friends and family to borrow your caravan or motor home so they can enjoy the touring experience. But before doing them a generous favour, first check that your insurance covers other drivers.