Car Insurance and Caravans | 2023 Guide
Is towing a caravan covered by car insurance? Find out in our guide what is and isn’t covered before you get on the road!
Does car insurance cover towing a caravan?
Most comprehensive car insurance policies will cover you to tow a caravan, but usually only for third-party liability. This means that if your caravan becomes detached and hits into someone else's car, the damage to the other vehicle would be covered but damage to the caravan wouldn't.
It's important to check your policy wording to see if you are covered for towing a caravan and what the limits of your cover are. You may also need to pay an additional premium for towing.
What isn't covered by car insurance when towing a caravan?
As mentioned above, most comprehensive car insurance policies will only cover you for third-party liability when towing a caravan. This means that the following would not be covered:
- Damage to your caravan
- Personal injury claims arising from an accident involving your caravan
If you want to be fully covered when towing a caravan, you will need to take out dedicated caravan insurance.
What are the pros and cons of having dedicated caravan insurance?
Pros:
- Dedicated caravan insurance will cover you for a number of eventualities, including damage to your caravan, other vehicles or property, and personal injury claims.
- Some premiums are usually very reasonable, especially when compared to the cost of repairing or replacing a damaged caravan.
- It also can give you peace of mind knowing that you are fully covered in the event of an accident.
Cons:
- You will need to pay an additional premium for caravan insurance.
- You may need to pay an additional excess if you make a claim on your caravan insurance.
- Some caravan insurance policies have restrictions on the type of caravan you can tow and the weight of the caravan. ** Amtrust policy wording it states: YOU TOWING YOUR CARAVAN IF YOUR CARAVAN WEIGHS IN EXCESS OF 100% OF THE TOWING VEHICLES KERB WEIGHT This would be extremely unlikely that a Caravan would weigh more than the towing vehicle
What to do if you are planning on towing a caravan
If you are planning on towing a caravan, it is important to do the following:
- Check your car insurance policy to see if you are covered for towing a caravan and what the limits of your cover are.
- If you are not covered for towing a caravan, you will need to take out dedicated caravan insurance.
- Get your car and caravan serviced and checked by a qualified mechanic to make sure they are both in good condition and safe to tow.
- Take a driving course specifically designed for towing caravans.
- Practice towing your caravan in a safe environment before you set off on your trip.
- Be aware of the extra risks involved in towing a caravan and drive accordingly.
By following these tips, you can help to ensure that you have a safe and enjoyable caravanning experience.
