Do I need to tell my car insurance that I am towing a caravan?
Asked by: Prof. Teresa McCullough | Last update: November 13, 2025Score: 4.1/5 (57 votes)
Does towing go on insurance?
In general, vehicles being towed are only covered under their own insurance policy. Vehicles being towed are not typically covered by the policy of the vehicle doing the towing. For example, say you're towing your sedan with your pickup truck and you have comprehensive and collision coverage on each of those vehicles.
Do you need seperate insurance for a caravan?
Technically, no, it's not a legal requirement for your caravan to have insurance. But it's actually highly-recommended should you buy, or already have, a caravan. Whether it be for peace of mind or to protect you financially, taking out caravan insurance is one of the best things you can do.
Do you need to add a trailer to your insurance?
Since utility trailer insurance isn't generally required by law, you may not have thought about adding coverage for it. Liability coverage on the vehicle you're using to tow the trailer is the most crucial coverage to ensure you're protected in the event you're liable for an accident.
What do I need to be able to tow a caravan?
Do you need a licence to tow a caravan? You don't need a specific licence to tow a caravan if you have a valid category B driving licence (car and small vehicle). The weight that you are legally allowed to tow will depend on when you originally passed your driving test.
Importance of Caravan Insurance
Do I need insurance to tow a caravan?
Car insurance and towing
Check your policy before you head out on the road. Car insurance is a legal requirement, but insurance for a towed unit isn't mandatory. However, if you have an accident as a result of towing your caravan or trailer, it can be very costly if you're not insured.
What should a driver do before towing a caravan?
- Ensure all passengers are securely seated in the caravan.
- Have extended mirrors fitted to the towing vehicle.
- Have an extended mirror fitted to the driver's side of the vehicle only.
- Ensure that only adult passengers are seated in the caravan.
Can you pull a trailer without insurance?
California: California law requires all trailers with an unladen weight of 750 pounds or more to be insured under a separate trailer insurance policy, or added as an endorsement to an existing auto insurance policy.
Does my car insurance cover my boat when towing?
Your boat will generally not be covered by your auto insurance policy if you bought basic coverage. If you bought trailer or towing coverage, you might have some coverage for the contents of your trailer, but it probably won't be as much as your boat is worth.
Do you need separate insurance for a travel trailer?
Voice Over: RV insurance isn't required by law for travel trailers, but you do need auto liability coverage for the vehicle that you use to tow your RV.
Why is my caravan insurance so expensive?
Factors Influencing Caravan Insurance Cost
The price of your caravan insurance can be influenced by: The value. The cost of repairs and replacement parts. The level of protection you choose (e.g. market value or new for old replacement)
Does car insurance cover camper trailers?
Is travel trailer insurance necessary? Your auto policy will typically extend to your trailer when you are pulling it — but only for liability and provides no coverage to your actual trailer. Meaning, auto insurance alone will only cover damage your trailer causes to other people and their property.
Can you tow a caravan with a cover on?
NEVER tow the caravan with the caravan cover fitted
The Towsure Caravan Cover Pro is not a towing cover and is only to be used whilst the caravan is stationary.
How do I know if my car insurance covers towing?
To see if you have towing coverage, check your policy documents or ask your insurance company or agent. The exact limitations and exclusions will depend on the terms of each policy and may differ between insurance carriers.
Can I call my insurance for a tow?
Roadside assistance coverage can pay for a tow, up to a certain distance specified on your policy, if your vehicle is disabled. Your insurer might also cover the cost of towing if your vehicle is involved in a collision and you're unable to drive it.
Does my insurance cover what I'm towing?
The rule of thumb for trailers, that are used for personal use, is that the liability follows whatever vehicle it is towing the trailer (up to a certain size). As long as the trailer is hitched to a covered vehicle, the liability from that vehicle will extend to the trailer.
Does towing affect car insurance?
It is unlikely that getting your car towed will affect your insurance, whether it's towed by authorities or because of mechanical problems. If your car is towed by local authorities, it will only affect your insurance if the towing was because of a violation that goes on your driving record, like a DUI.
What does liability insurance on a boat cover?
Most policies include coverage for your passengers who are involved in watersports like tubing, wakeboarding, and waterskiing. In many cases, liability coverage will also pay for fuel spill remediation and wreckage removal if your watercraft sinks and is required to be removed.
What type of insurance does an RV need?
Because you drive your motorhome like a car, you'll usually need to carry liability insurance that meets the state's minimums for auto insurance coverage. On the other hand, the towing vehicle's liability policy usually covers trailer-type RVs.
Can you tow for no insurance?
Can the police tow your car for not having insurance? Yes, if you get pulled over, and the police officer discovers you have no car insurance, they'll usually do one or more of the following—let you off with a warning, issue you a citation, or have your vehicle impounded for lack of insurance.
What kind of insurance do you put on a trailer?
In most cases, trailers and campers that are used for personal use will have liability extended to them from the vehicle that tows them. But, your existing auto insurance policy will only extend liability coverages to the trailer/camper, not physical damage coverage.
What is a safe speed to tow a caravan?
Going too slow or too fast would increase the fuel consumption, eventually leading to frequent refills and increased expenses. Just sit back and relax and maintain the speed of the caravan at 80kph for a stress-free ride. Towing the caravan at high speeds can also pose a problem due to the load being carried.
Is it difficult towing a caravan?
Towing a caravan for the first time can feel like a bit of a daunting prospect, but once you know what you're doing it becomes second nature. Most drivers can become confident behind the wheel of a car and caravan towing outfit relatively quickly when they're properly packed and prepared.
What test do I need to tow a caravan?
To tow a trailer that weighs more than 3,500kg with a car/ small vehicle (category B), you will need to pass additional tests for category C1+E (medium-sized goods vehicles with trailers).
Do I need extra insurance to tow a caravan?
Most comprehensive car insurance policies will normally cover your vehicle while towing a trailer or caravan, but only during instances of third-party liability.