While it may be tempting to dispense with caravan insurance and just let your car insurance cover it, a new study has revealed just how bad an idea this could be.
In the UK caravan insurance is not required by law, so some people decide against the extra expense.
However, according to Club Care Insurance, just one per cent of all caravan claims it receives would be covered by standard car insurance policies.
A caravan itself is not insured under standard car policies, meaning the only cover they provide are for damage to third parties.
The Camping and Caravanning Club’s insurance provider revealed that just one per cent of all claims fall into this category, meaning the other 99 per cent of claims would fall on deaf ears unless a proper caravan insurance policy was taken out.
“If you were involved in a road accident while towing your caravan that was your fault then you would be covered for any damage that you did to a third party, not to your own caravan,” Club Care said in a statement.
This means that any thefts or damage to your caravan are only covered under specific insurance policies, so relying on your existing car cover is a dangerous game and one that is probably not worth playing.
