Legally, you aren’t required to hold caravan insurance, even when on tow. This is unlike the legal obligation for you to hold car insurance, as caravans are often covered by most insurers in their car insurance policies. Although, it is crucial to inform your insurance company of this, as having a towbar fitted to your car can, in some cases, technically account for a modification to your car.
Relying on just your car insurance will only give you third party insurance cover too. This is perfectly acceptable in some circumstances, however, it does mean that should your caravan be involved in a collision, suffers damage, or is stolen, you will not be covered. The question to ask yourself is: can you afford the loss, if the worst were to happen, by avoiding caravan insurance?
This being said about the legalities of caravan insurance, there are legal restrictions as to who can tow. If you passed your driving test after 1 January 1997 and have an ordinary category B car licence you can’t legally tow a vehicle and trailer combination without taking a separate test.
Licences issued before 1 January 1997, on the other hand, generally allow drivers to drive a vehicle and trailer combination of up to 8,250kg MAM. Although, it’s always worth checking your individual driving licence information to be sure. You can do this through the Gov.uk website.
So, whilst you may not have the legal obligation to insure your caravan, you need to be absolute about the sort of licence that you hold – otherwise, this could land you in a whole load of trouble.
What type of caravan insurance do we offer?
The two types of caravan insurance:
- Static caravan insurance for those caravans in fixed holiday parks or seaside resort locations.
- Touring or tourer caravan insurance which covers all caravans being towed behind a vehicle.
Take a look at our website to search for caravan insurance today or get in touch with one of our advisors who will be only too happy to help!