Why Insure my Leisure Vehicle?
If you’ve invested in a leisure vehicle (new or pre-owned) you want to keep it safe off and on the road. Insuring your leisure vehicle is not only a legal requirement but will also give you peace of mind that you’ve protected your investment, friends and family.
If you are towing, your car insurance only provides third party liability cover whilst towing. It does not cover your unit or camping equipment and personal belongings inside. Your caravan is at risk of damage when towing, hitching or in storage, all of which are covered by your caravan insurance policy. Unfortunately, you also have to consider the possibility of the unit being stolen and this is where having the right insurance is essential.
WHAT SHOULD I LOOK FOR?
You should research the company and check the cover in detail. It’s easy to be swayed by the cheapest quote, hoping that you’ll never need to make a claim. Good value insurance is about getting all the insurance benefits you require at a competitive price, not just going for the cheapest option.
How can I reduce the premium?
Most insurers understand the value in offering great discounts to their customers when they have fitted recognised safety and security devices (see our section on security and safety). Further discounts are often available for storing your caravan securely when it’s not being used.
Before you get a quote have a think about who is going to be driving your motorhome and what exciting trips you’re planning to go on to work out what your estimated mileage will be each year.
Types of leisure vehicle insurance:
• Caravan insurance
• Touring caravan insurance
• Static caravan insurance
• Motorhome insurance
• Campervan Insurance
• Camping insurance
• Trailer tent insurance
• Breakdown and recovery
• Holiday Insurance
• Pet Insurance
A good starting point when looking for insurance is to visit the websites of the two national camping and caravanning clubs or search for ‘caravan insurance’ online.
East Grinstead House, East Grinstead, West Sussex, RH19 1UA
0800 328 6635
New Road, Halifax, West Yorkshire, HX1 2JZ
01422 396 777
Comfort House, Goresbrook Road, Dagenham, Essex, RM9 6UR
0800 0304 206
Juniper House, Warley Business Park, Great Warley, Brentwood, Essex, CM13 3BE