An Introduction to Touring Caravan Insurance

An introduction to touring caravan insurance starts with understanding that your caravan is more than just a vehicle – it’s a home on wheels, a source of adventure, and often a significant investment. Whether you’re using it for weekends away, extended holidays, or seasonal touring, protecting it from loss, damage and liability is essential. Park Home Assist’s touring caravan insurance is designed to give peace of mind by covering a range of risks, from accidental damage to liability claims, while also offering optional extras to tailor your protection.

Why specialist touring caravan insurance matters

Caravans are unique. They are part home, part vehicle, and they carry personal belongings, often worth a considerable sum. Standard car insurance won’t protect your caravan – and your caravan’s value and usage patterns mean that a specialist policy is the most reliable option. With Park Home Assist, cover extends not only to the caravan itself, but also to fixtures, fittings, and associated equipment such as gas bottles, stabilisers, and wheel clamps.

Comprehensive protection for your caravan

At the heart of the cover is protection against loss or damage to your caravan and its fixtures, fittings, and equipment. This can include everything from your refrigerator to the battery, balcony, generator, or steps. If your caravan is destroyed beyond economic repair within 120 months of purchase new, you could benefit from replacement-as-new cover, provided your sum insured matches the current purchase price.

Public liability – protecting you from the unexpected

Accidents can happen, whether on the road, at a campsite, or when your caravan is parked. If someone suffers injury or property damage because of your caravan, you could face a claim for compensation. Park Home Assist’s touring caravan insurance includes liability to the public cover of up to £2 million, helping you handle the legal and financial consequences of such incidents. This protection is especially important for caravanners who take their tourers abroad or invite friends and family to use them.

Insurance cover for trips abroad

For many touring caravan owners, part of the appeal is taking the caravan further afield – perhaps across Europe. With Park Home Assist’s continental touring use extension, you’re covered for temporary visits to EU countries, Norway, and Switzerland for up to 180 days in any one year. That means you can enjoy the open road abroad with the reassurance that your insurance travels with you.

Personal accident benefits

In the unfortunate event of a serious injury while using your caravan, personal accident cover can provide financial support. Park Home Assist’s policy offers compensation for death or permanent disablement of up to £20,000. While it’s not something anyone likes to think about, it’s a safeguard worth having in place for you and your loved ones.

Optional extras to tailor your touring caravan insurance cover

Touring caravan owners have different needs, so optional covers can help you personalise your protection. You might consider adding insurance for your caravan’s contents and personal effects, which can include clothing, luggage, and general household goods, subject to certain limits. There’s also optional awning replacement-as-new cover if your awning is lost or damaged beyond economic repair within seven years of purchase. Another valuable option is a protected no claims bonus, meaning a claim won’t reduce your discount at renewal.

Maintenance and care – a key part of keeping cover valid

To keep your touring caravan insurance valid, it’s important to maintain your caravan in a good state of repair and take all reasonable precautions to prevent loss or damage. This means fixing small issues before they become bigger problems, storing your caravan securely when not in use, and using security devices such as wheel clamps and hitch locks – which may be required under your policy terms. Neglecting these responsibilities could jeopardise your claim in the event of loss or damage.

Understanding exclusions and restrictions

Like all insurance, touring caravan policies have exclusions and limits. Park Home Assist’s policy, for example, does not cover damage caused by wear and tear, gradual deterioration, or mechanical and electrical breakdown. Theft cover may also require the use of specific security devices, and items like jewellery, cash, and certain electronics may be excluded from contents cover. Being aware of these details ensures you aren’t caught out by unexpected gaps in protection.

Claims – acting promptly and correctly

If the worst happens, prompt action can make all the difference in a successful claim. You must notify Park Home Assist as soon as you become aware of an incident that could lead to a claim, provide accurate information, and take steps to prevent further damage if it’s safe to do so. Having your policy number, photographs of any damage, and receipts for valuables can speed up the process.

Choosing the right policy

When comparing touring caravan insurance, it’s not just about the price. Consider the level of cover, the optional extras you may need, and the exclusions that could apply. With Park Home Assist, you can expect a policy that’s designed for caravanners, supported by a team who understands the lifestyle and the risks.

In summary

Touring caravan ownership opens up a world of travel possibilities, but it also comes with responsibilities. Having the right insurance in place protects your investment, your liability, and your peace of mind. Park Home Assist’s touring caravan insurance offers comprehensive protection, optional extras to suit your needs, and the reassurance of dealing with a specialist provider. With careful maintenance and a clear understanding of your policy, you can enjoy the open road knowing that you and your caravan are well protected.

Please note that all insurance cover is subject to acceptance of terms and conditions.

This is a marketing article from Park Home Assist, multi award-winning providers of park home insurance, mobile home insurance, insurance for static caravans,  insurance for holiday homes and holiday lodges, as well as boat insurance and touring caravan insurance. If you have any questions about your insurance, then please call our office on 01604 946 796 and one of our insurance advisers will be happy to help.

Published – 29/08/25