Move to higher ground, avoid flood‑prone pitches, monitor warnings, and if floodwater enters act fast by contacting the insurer—comprehensive or new‑for‑old caravan cover can replace write‑offs, but policies may restrict cover at known flood‑risk sites.

Keep speed slow and calm, steer with hand at the wheel’s base so the caravan follows that hand, watch for jack-knifing and counter-steer early, use a spotter, wide towing mirrors, and consider reversing cameras for clear corner views.

Verify the running gear is road-legal by checking hitch head and stabiliser pads, suspension (sits level), brakes and breakaway cable, lights and tyres, and always request a short tow test; follow up with an annual specialist service to keep cover valid.

Underinsurance is a silent threat—if sums are undervalued, average clauses slash payouts, so revalue and update cover now to prevent costly shortfalls.

We surveyed a range of small businesses across the country to find out the biggest threats to their business right now.