Caravanning Road Accidents: Keep Calm and Caravan On

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Last year road traffic accidents were the cause for 18% of claims made by caravanners protected by Shield Total Insurance.

keep calm and caravan on

When embarking on a caravan adventure, the last thing anyone wants to think about is having an accident.

Sadly, last year road traffic accidents were the cause for 18% of claims made by caravanners protected by Shield Total Insurance .

Whilst 33% of these incidents resulted from collisions with other road users, 9% were caused by detachment of the unit from the tow vehicle, 14% were caused by wheel loss, 33% as a result of tyre blow out and 9% as a result of a snaking incident, with the remainder being due to unidentified causes.

A common road hazard is damage to windows through road debris or overhanging branches and the resultant damage can cost as much as £1000 to rectify.

In the event of an accident there are some procedures you must follow by law, but even the most experienced caravanner can find it a challenge to keep their wits about them when things go wrong.

Stuart Craig of Shield Total Insurance has created a ten point guide, to help caravanners ‘keep calm and caravan on’ in the event of an accident.

1. Stay Alert
Nobody wants to think they will be involved in an accident but they do happen. Be aware of where you are when driving; the road number, motorway junctions and any distinctive landmarks so that help can get to you quicker. If you have sat nav it can locate you precisely.

2. Be Prepared
Pack a warm coat, ideally reflective and waterproof, and some sturdy walking shoes in case you need to walk somewhere to get help. Ensure you have a fully charged mobile phone or change for a telephone box along with the telephone number of your Motoring Assistance provider.

3. Stop
There is no excuse for not stopping in the event of an accident. Regardless of whether or not you think you have incurred any damage to your own car or caravan, damage may have been caused to other people or their property.

4. Alert Other Road Users
The last thing you need is for the situation to become worse by another driver becoming involved. You have a responsibility to keep other road users safe by alerting them to the accident. Switch on your hazard lights and display a red warning triangle so that other drivers can keep clear.

5. Assess Injuries
Ensure that neither your passengers nor anyone else is injured as a result of the accident; check the ABC of first aid - airway, breathing, and circulation. Make sure someone calls for an ambulance. Keep any casualties warm and immobilised and if anyone is injured, notify the police.

6. Be Courteous
Regardless of who you think was to blame for the incident it is not your responsibility or right to accept or allocate blame – this is the role of the insurers. Keep calm and remain courteous at all times, even if the other driver does not.

7. Record the Moment
Always keep a notebook and pen in the car, and ideally a disposable or film camera. Use them to make notes and take photos showing the road layout, position of vehicles and their damage and the weather, road and lighting conditions.

8. Exchange Details
Note the registration number, make and colour of other vehicles involved and ask their drivers for their name, address, and insurance details. They are obliged by law to supply this information.

9. Animal Collisions
If your car hits a dog or a farm animal, such as a sheep or cow, you are required by law to report the incident to the police. If you hit a cat or wild animal, there is no obligation to report it, but you must ensure that the animal is not injured and suffering.

10. Report It
Regardless of whether your vehicle was damaged or not or if you feel another party was to blame, if you have been involved in any kind of accident you must report it to your insurance provider. This allows you to provide all necessary information whilst it is still fresh in your memory and enables your insurers to operate quickly and in your best interests

For more information or to obtain an online quote visit http://www.shieldtotalinsurance.co.uk or call 08448 474 474.

Editors Notes
About Shield Total Insurance
Shield Total Insurance (formerly Shield Direct) was established in 1997 as one of the first specialist Caravan and Motorhome insurance intermediaries in Great Britain and Northern Ireland.

A series of comprehensive caravan insurance packages are offered, each designed to cater for the specific requirements of the caravanning and motorhoming community. These include policies for homes, pets, folding caravans and campers, tents and trailer tents.

Policies are also available for static caravans, residential park homes, holiday lodges and log cabins making Shield Total Insurance one of the biggest and most experienced providers of outdoor leisure related insurance.

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Stuart Craig
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