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Do you need insurance for a caravan?
Insurance for a touring caravan is not a legal requirement; a car insurance policy would pick up the repair costs of any damage caused to third party property in the event of an accident whilst towing. However, a car insurance policy would not pay to repair damage to your caravan in the event of an accident or storm. Nor would a car policy pay to replace your caravan if it was stolen. Therefore, it’s beneficial to have specialist caravan insurance to protect against accidents, fire, theft, storm and flood whilst towing or in storage, as any damage to the caravan could cause devastating emotional and financial loss.
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