Insuring your caravan and understanding what is actually covered can be quite confusing sometimes. Depending on what model and year caravan you have, it can be quite important to have it insured. You want to know that its insured regardless if on your hitch while driving down the road or if its parked up on a holiday spot or at home.
To make it simpler we have broken it down into 2 sections. One while its on the hitch and the other when its parked up somewhere.
WHILE HITCHED AND DRIVING:
Fully Comprehensive
Policy Schedule
“Trailers: Full comprehensive cover is provided for towing trailers and while they are uncoupled single axle trailers up to a half tonne weight unladen excluding caravans, trailer tents, boat trailers, mobile homes, permanently sited temporary dwelling, trailers used for commercial purposes or which incorporates machinery or equipment unless required by any Road Traffic Act legislation.”
Third Party
Policy Schedule
“Trailers: Third Party cover is provided for towing trailers and while they are uncoupled single axle trailers up to a half tonne weight unladen excluding caravans, trailer tents, boat trailers, mobile homes, permanently sited temporary dwelling, trailers used for commercial purposes or which incorporates machinery or equipment unless required by any Road Traffic Act legislation.”
Product Suitability
” Trailer Cover – Third Party cover in respect of any coupled trailer used in connection with your car, and also any trailer whilst uncoupled provided they are single axle and not more than a half tonne in weight unladen but excluding any caravan, trailer tent, boat trailer, mobile home or permanently sited temporary dwelling and any trailer which is used for any commercial purpose or which incorporates machinery or any other equipment. Broader cover is available on other policies. Comprehensive cover is available on specified trailers for an extra premium. Where you have selected such cover details will be shown on your schedule”
Judging at the general policy holder conditions most people are covered when they are towing there caravan automatically by their insurance company. However we suggest you double check it first for peace of mind.
PARKED AT HOME
Caravans fall under the home insurance policy (once you note it on your policy) and you have it on your driveway. This will cover you in case of theft, damage or otherwise any other mishap that might befall your caravan when its parked safely on your driveway. This is a very cheap solution as your policy seldom changes much with adding a caravan to it. You can purchase a cheap caravan insurance policy which will cover you when your at your holiday camp as well. They are not expensive and can bring you some peace of mind if your worried about where you are holidaying. Just like any travel insurance.
RELAX AND ENJOY
With your caravan fully insured while towing it around, it is then possible to hit the roads and take in some of the most outstanding camping opportunities the country has to offer. Whether it is a picturesque campsite, a secluded site set amidst the glorious backdrop of the Wicklow mountains, the flexibility open to the caravan owner means it’s easy to see the appeal of a caravan holiday.
