Towergate Underwriting

Touring Caravan Insurance for Brokers

Touring Caravan Insurance


Touring Caravan Insurance
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We understand that everyone uses their touring caravan differently, so our award-winning caravan insurance specialists have put together a range of policies, with options to make sure your insurance cover is tailor made for your needs and your budget.

All of our policies cover your touring caravan as well as any fittings added by the manufacturer.

Key Features - Insurance for yourTouring Caravan

Select - offering our highest levels of cover

  • New for old cover for the life of your policy
  • Annual worldwide cover and RAC recovery when abroad
  • Full accidental damage and collision cover
  • £2 million public liability cover
  • Open towing for friends and family
  • Loss of use cover, up to 5% of the sums insured
  • Legal protection up to £100,000

Choice - our policy based on the market value of your caravan

  • Full accidental damage
  • 365 days Europe
  • Loss of use compensation
  • Open towing family and friends cover

Green - rewarding environmentally conscious caravanners

  • Paperless documentation
  • New for old cover while caravan is under five years old
  • Full accidental damage
  • Options or 30 or 60 days Europe cover

Lo-cost - especially for caravans valued up to £5,000

  • Market value based cover
  • Third party, fire and theft
  • 30 days European cover


For 'Select', 'Choice' and 'Green' policies no cover applies for:

  • Theft, unless a wheel clamp or other security device is in operation
  • Loss or damage caused by wear, tear or depreciation, by vermin or domestic pets, or by water ingress through seams and seals
  • Loss, damage or liability while caravan is let for hire or reward or used in connection with any profession, business or employment
  • Loss or damage to the caravan and contents whilst not in use unless kept within the boundaries of your permanent home or other location as notified to and accepted by us
  • Damage to articles of a valuable nature
  • Damage to contents by theft or attempted theft while the caravan is left unlocked whilst unattended
  • Damage to tyres by punctures, cuts, bursts or braking

For our 'Lo-cost' policy no cover applies for:

  • Storm or flood, accidental damage, malicious acts or vandalism
  • Theft if unprotected by a hitchlock and wheel clamp whilst unattended and detached from towing vehicle
  • Theft if unprotected with a wheel clamp and left unattended whilst attached to towing vehicle
  • Theft of contents outside the caravan, if not kept in an awning
  • Theft of money, firearms, wines, spirits and tobacco goods, caravan generators or valuables
  • Loss or damage to the caravan and contents whilst not in use unless kept within the boundaries of your permanent home or other location as notified to and accepted by us
  • Theft of contents unless there is evidence of forcible or violent entry or exit
  • Theft of electronic or electrical equipment whilst left in the caravan when it is not in use

Please find below the list of countries which are defined as 'Europe':

Albania, Andorra, Austria, Belgium, Bosnia Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Eire, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Italy, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Republic of Macedonia, Malta, Monaco, Montenegro, The Netherlands, Norway, Poland, Portugal (excluding Azores), Romania, San Marino, Serbia, Slovakia, Slovenia, Spain (including Canaries, Madeira, and the Balearics), Sweden, Switzerland, United Kingdom, Vatican City.

These are just some of the key exclusions/limitations, full details will be found in policy wordings.

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