For safe and enjoyable travels with your caravan, it’s crucial that caravan and motorhome owners understand and abide by the UK’s caravan ownership and insurance laws, as well as the vehicle’s stringent maintenance guidelines.
Luckily, at Seals Direct, our helpful team has supported countless customers with protecting the condition of their caravan or motorhome with high-quality seals, but we can also provide you with answers to all your caravan insurance questions.
To help you stay protected while on and off the road, we’ve provided comprehensive answers to a variety of questions regarding caravan insurance, including whether this cover is legally required and how much it’s likely to cost you.
Alternatively, if you’d like to learn more about the substantial range of caravan seals available on our website, please feel free to get in touch with our team today.
Do you have to insure a caravan?
In the UK, there is no legal requirement to take out caravan insurance. However, you will need to have a valid car insurance policy that protects both the car you’re using to tow the caravan and other road users.
This policy should therefore include third-party cover to protect against any damages you might make to other vehicles while towing the caravan. Fortunately, most comprehensive car insurance policies often extend their cover to caravans when being towed, however, it’s well worth checking your insurance policy to understand the degree of cover.
Should caravans be insured?
Wondering ‘do I need caravan insurance’? While caravan insurance may not be a mandatory requirement in the UK, it comes highly recommended. If your caravan were stolen, damaged by fire or flood, or involved in an accident, it’s unlikely that standard car insurance would cover these issues. Instead, you’d require dedicated caravan insurance.
On top of providing caravan owners with some protection against a wide range of problems, caravan insurance can also cover personal injury claims if an individual suffers an injury related to your caravan. With dedicated caravan insurance, you simply have far more legal protection than just third-party cover.
In some cases, such as caravan owners with older models or those that rarely make use of their caravan, insurance may not seem as necessary.
How much is caravan insurance?
According to data from NimbleFins, £200 a year is the average cost for touring caravan insurance for a caravan valued at £20,000. Naturally, however, the cost of caravan insurance will vary depending on the age, make, model, and condition of the caravan. As expected, the more valuable the caravan, the more expensive the insurance tends to be.
Similarly, the price of the insurance will also vary depending on the extent of the cover (whether you choose basic cover or a more premium and comprehensive policy) as well as excess.
For example, while basic cover for a £5000 caravan may cost you £89 per annum on average, cover that also includes UK breakdown, legal assistance and EU cover, can have an average yearly cost of £202.
Ultimately, how much you spend on caravan insurance will vary according to a wide range of factors, so it’s always best to discuss your specific requirements with an insurance advisor before taking out a dedicated caravan insurance policy.
Protect your caravan
While insuring your caravan is one way you can protect this valuable asset, regular inspections, repairs, and maintenance are all just as crucial to keeping your caravan in good condition.
Fortunately, we’re experts when it comes to a wide range of caravan window seals and questions including queries like ‘do you have to insure a caravan’ and ‘how much is caravan insurance’.
Within our extensive selection of specialised caravan and motorhome seals, you can find high-quality seals for the windows, doors, battery boxes, awnings, gutters, hatches, lockers, and sinks. If your existing seals are starting to crack, become loose, or generally need some TLC, please feel free to contact our team.
With the right seal, we can help you to combat a variety of caravan and motorhome issues such as drafts, water ingress, and costly damage to the interior of your vehicle.
If you’d like to find out more about the range of caravan and motorhome seals and trims available at Seals Direct, please don’t hesitate to get in touch today.
To speak directly to a knowledgeable member of our team, simply give us a call on 01425 617722.
Alternatively, we also welcome email enquiries sent to firstname.lastname@example.org. Whether you have a technical query or need to discuss your specific seal requirements, we look forward to hearing from you.