If you are searching for touring caravan insurance, it may pay to think carefully about the cover provided by the policy and how that matches your own reality as a caravan user.
Contrary to what you may believe, not all touring caravan insurance is more or less the same.
No short article of this nature can give a full overview of points to look for, however, there are a few things worth noting in general terms.
Mileage allowances
Policies may differ significantly in terms of their allocation of what they consider to be a standard annual mileage.
If your real usage is likely to be higher, then you may have to pay an increase in premium. By contrast, if you suspect that your mileage is likely to be considerably lower, you may be paying for cover that you do not need.
Parking restrictions in use
Some policies may have very precisely defined conditions relating to where you may or may not park your caravan overnight when in use.
If you are typically able to comply then fine, if however this does not meet your real typical usage, then your insurance may not be suitable.
Continental driving
Similarly to the mileage point made above, it may be prudent to check what the policy covers in this respect and whether or not that is actually how you plan to do things with future overseas journeys.
UK usage
Some policies may stipulate that use of your caravan is restricted to the UK mainland.
At the risk of seemingly giving a geography lesson, it may pay to note that this may exclude places such as Anglesey, all of the Scottish islands, the Channel Islands, the Isle of Man and even the Isle of Wight.
If you have no plans to visit these locations with your caravan then fine, if you do however, your insurance may need some attention.
Live-in usage
Touring caravan insurance is typically written to cover holiday use. If you decide to move into your caravan for a lengthy period (e.g. whilst undertaking rebuilding work on your property) you may wish to consider the insurance implications, as such use may not be covered by some policies.
