Ensure everything’s squared away at home before you hit the road
WHAT HAPPENS IF I’M INVOLVED IN A COLLISION?
As is the case with a motor vehicle, your caravan is also insured comprehensively against damage in a collision. However, there is a huge difference with regard to third-party claims. If, for example, you should tear off another car’s side mirror with the side of your Sprite, the claim will be submitted to your motor insurance and not your caravan’s, because insurers argue that the towing vehicle caused the accident – not your caravan.
The caravan could not have driven along the highway on its own. As long as it’s hitched, it is merely considered to be an extension of the towing vehicle. The moment that you unhitch your caravan and it accidentally rolls over your neighbour’s foot in the campsite while you are trying to park it, the caravan insurer will have to pay for his medical bill.