Touring Caravan Insurance

Why choose Howden for Touring Caravan Insurance?

Howden is the new name for A-Plan. Here at Howden, we pride ourselves on doing the heavy lifting, so you don’t have to. This is no different when it comes to touring caravan insurance. Thanks to the great relationships we have with our wide range of standard and specialist insurers, as an insurance broker we are able to make the process of comparing multiple policies, on your behalf, simple and easy. What’s not to like?

We also provide a personalised service, because we know that each policy needs to be as individual as its owner. Our focus is getting to know you and finding out exactly what you want from your touring caravan insurance.

Ultimately, just know, whether you need to make a claim, purchase a new touring caravan insurance policy, or renew an existing one we’re here to help.

Benefits of working with us:

• You can trust us – we’re rated Excellent on Trustpilot.
• We’re driven to save you time, money, and hassle.
• Benefit from a tailored service that comparison sites can’t provide.
• Speak with your local branch, within your community.
• We’re right by your side in the event of a claim.

What is a Touring Caravan?

Touring caravans are the ‘trailer-style’ mobile holiday homes, designed to be towed. Although they act as living quarters, touring caravans are lightweight, without an engine and driving functionalities, and are narrow enough to fit within road markings.

Touring caravans are incredibly popular in the UK, as they offer holidaymakers the opportunity to pitch up their caravan and use their towing vehicle to explore the local area without restrictions. Whereas somebody using a campervan or motorhome can find they are somewhat restricted unless they take an additional vehicle for day trips.

What’s the difference between a touring caravan and a static caravan?

This is a very commonly asked question, and one we can answer quite easily.

Touring and static caravans differ in that touring caravans are made to be mobile and towed, with wheels, whereas static caravans are ‘static’, remaining permanently on a site once built.

Despite touring caravans typically being less spacious and equipped than static caravans, their mobility makes them perfect for owners who want to be on the move whilst on holiday, and not located on a site. It’s for this reason that they’re more flexible, accommodating for holidays in different locations whilst still offering somewhere to stay that is familiar.

You can find out more about how we can help you to insure your static caravan on our Static Caravan Insurance page.

Do you need to insure a Touring Caravan?

To answer this question simply, a touring caravan is a major asset, so purchasing good quality touring caravan insurance will protect this asset. We know that kitting out your caravan can be an expensive endeavour and can contain many home comforts, so we also offer the option of insuring your caravanning equipment, your awning, and the contents of your caravan against the unforeseeable.

So, although you’re not legally required to have touring caravan insurance, we do recommend that you get a quote to ensure you’re not left out of pocket.

What’s covered under Howden’s Touring Caravan Insurance

Every insurer will offer to cover you in their own way, but generally, you can expect specialist touring caravan insurance to typically cover you against the following:

• Both internal and external accidental damage
• Flooding, fires, or weather damage (e.g., storms, lighting, earthquakes)
• Theft
• Accidental damage (both internal and external damage)
• Vandalism or burglary
• Public liability and third-party liability

You could also expect that your touring caravan insurance protects you against more specific incidents, such as key loss. Add-ons such as European cover are also available if you are planning to enjoy your touring caravan in Europe.

How much does Touring Caravan insurance cost?

Ultimately, each caravan and its owner are different, meaning that the amount you should expect to pay for touring caravan insurance premiums will depend on several factors.

A touring caravan insurance provider must weigh up the likelihood that they’ll have to cover the cost of anything unfortunate happening to your property, and prices will vary depending on how much an insurance provider believes keeping your touring caravan covered is worth.

For touring caravan owners, premiums are usually calculated based on:

• The owner’s insurance history
• The owner’s age
• The touring caravan’s make and model
• The touring caravan’s contents
• Where the touring caravan will be parked
• The touring caravan’s security features
• The length of the policy
• The level of the cover chosen
• The policy’s excess amount

How to cut the cost of your touring caravan insurance?

Fortunately, there are some things you can do to cut the cost of your touring caravan insurance. For instance, you could:

• Increase the amount of security devices that you use on your touring caravan to minimise theft risk.
• Volunteer to have a higher policy excess.
• Become a member of a registered caravanning club.
• Use a Caravan Storage Site Owners’ Association (CaSSOA) registered storage location. Discounts may vary for whether your CaSSOA registered storage location is in a Bronze, Silver, Gold, or Platinum CaSSOA category. If you’re unsure if your touring caravan storage location has been awarded with a CaSSOA storage award for security levels, your storage location owner will be able to provide you with this information.
• Change your cover level from a New for Old basis to a Market Value basis.

If you’d like help with cutting down the cost of your insurance premiums, get in touch. We’d be happy to offer you some advice and source the best value quotes we have available, to sit your budget.

How to get a Touring Caravan quote from an insurance broker

So that we can provide you with the best touring caravan quotes, we require the following information from you:

• Your personal details and claims history for caravan and motor insurance if you’re towing your caravan.
• Who will use or tow the touring caravan and their claims history.
• The storage location(s) of your property.
• Information about the security and claims history of the storage location of your touring caravan.
• The make/model/year of make of your touring caravan.
• The amount you need to ensure your touring caravan for to replace it due to an insured claim if it’s classed as beyond economical repair by your insurer on either a New for Old or a Market Value basis.
• Security devices that you’ll use with your touring caravan.

If you wish to include optional cover for your equipment, contents, or your awning, you’ll need to provide the relevant amounts that you need to insure these for on either a new for old cover basis or a market value cover basis.

Who Howden work with

The great relationships we have with a wide range of trusted touring caravan insurance providers allows us to provide a service which supports each and every one of our clients.

The years of experience our team have working in the insurance industry, in addition to being enthusiasts themselves, has meant that Howden continues to be rated highly by our clients.

Claims

We’re here to assist you when it matters most.

Whatever’s happened to you or your van, we’re here to help. It’s part of our service to make sure that your claim is dealt with as quickly as possible and without any hassle.

MAKE A CLAIM

You can also read...

Want to find out more about touring caravans and the insurance policies which cover them? Why not read our Caravan Insurance Guides, or, take a look at any of the articles below, which you can also find on the Howden Blog!

• Does a Caravan Need an MOT?
• Top Ten Caravan Towing Cars
• Security devices for your touring caravan
• Permanently Siting Your Touring Caravan