Does my caravan need to be insured?
Table of Contents
Does my caravan need to be insured?
Do I need caravan insurance? No, you’re not legally required to have caravan insurance. But around 4,000 caravans are stolen every year, and there’s always the risk of accidental damage, even while the caravan is on your driveway. Damage when towing is the most common type of accident.
How much does it cost to insure a caravan UK?
The average annual insurance premium for a static caravan in 2020 is around £300, with a £160 excess. That’s excellent value when you consider that a typical static caravan costs in the region of £45,000. Compare this with the cost of insuring a touring caravan, for example, and the difference is rather revealing.
What does my caravan insurance cover?
These include cover for accidental damage whilst towing, fire, theft, storm, malicious damage and third-party liability. Here are just a few of the features and benefits of our touring caravan insurance: Simplicity – we’ve made it easier for you to buy.
Which touring caravan insurance is best?
Some of the best touring caravan insurance policies of 2020
- Caravan Guard – Touring caravan insurance.
- Simple Caravan Insurance – Touring caravan insurance.
- E&L Insurance – Vanguard 4.
- Towergate – Touring caravan insurance.
- Comfort insurance – Dusk touring caravan insurance.
- Shield Total Insurance – Touring caravan insurance.
Do caravans need MOT and insurance?
Caravans don’t need an MOT but it’s the owner’s responsibility to make sure the caravan is safe to travel on the road and an annual service is recommended to check it is roadworthy and that gas, electrical and water systems are working properly.
Do I have to tell my car insurance if I tow a caravan?
If you have a touring caravan that is towed behind your car, your third party liability can be covered under your car insurance policy – but you’ll need to let your insurer know you’re going to be towing a caravan when you set up your car cover, or alert your insurer if you buy a new caravan and intend to start …
Do I need a licence to tow a caravan?
There is no special caravan licence or trailer licence needed for towing; it all depends on how heavy the load is that you want to tow. If it is heavy, you may need to upgrade your licence by taking a driving test for the correct category.
Do you need to tax a caravan?
No, caravans do not require any road tax. There are a number of expenses that come with owning a vehicle, fortunately, if the vehicle in question is a caravan then it is not subject to any road tax obligation in the way a car or truck would be.
Does normal car insurance cover towing?
Usually, your car insurance policy will only cover towing a caravan or trailer for third-party damage. This means if your caravan or trailer damages another vehicle or property, your insurance could cover the other person’s costs. However, it won’t normally cover the repair costs to your caravan or trailer.
Does house insurance Cover caravan?
Most home insurance won’t cover your caravan as standard, even if you do keep it at your home. Home insurance could cover contents inside your caravan but might not cover the caravan itself from things like fire, flooding or theft.
Can I pull a caravan on my driving licence?
As a driver, in most cases you can tow a caravan or trailer without needing to update your licence. However, if you are a younger driver or over 70 years of age, you need to check exactly what your licence allows you to tow.
What size caravan can I tow?
To calculate this, you only need to know two key figures: the kerbweight of the car and the maximum mass of the caravan (called ‘maximum technically permissible laden mass’, or MTPLM). If the mass of the caravan is 85% or less of the car’s kerbweight, the car will tow it with ease.
