Simply put, for peace of mind! Much like home insurance, caravan cover isn’t a legal requirement. Even if you have car insurance (which is required by law), if you choose not to take out caravan cover, the financial loss you could suffer if you’re involved in an accident could be huge. You won’t be covered for the damages incurred to the caravan, only the car, unless you have caravan cover, which would mean paying to fix or replace your caravan. Even what appears small damage can be a significant cost as often small damage requires whole panels to be replaced.
Also, although your car insurer should cover any liability that falls on you while the caravan is attached to the towing vehicle, once detached any damage to property or injury to a person as a result of your ownership and/or use of the caravan would be your responsibility. While these types of claim are rare they have the potential to be incredibly costly, which is why we protect our members by providing liability cover up to £5m.
On top of the risk of damage from an accident and liability claims, damage could also be incurred as a result of natural hazards like hail and flooding, an attempted break in, fire, and there's also the risk of your van being stolen. Caravan cover would give you protection and peace of mind.