We're going camping this year. So it is not a fully pre-booked holiday. Does our policy cover us?

Yes. Motoring, camping and self-catering holidays are included. If you were to miss a ferry or it was cancelled because of strike or bad weather you would be able to claim under your policy. Equally if your luggage were stolen or damaged there should be a valid claim and the other sections of your policy also apply. Camping equipment can be expensive so make sure you have enough insurance cover.