Caravan Insurance – Essential for Securing a Perfect Holiday Home for Lifetime
What makes good caravan insurance? Well, first of all let's sort out the legalities
. It is not a legal requirement to have one's caravan insured, because vehicle insurance has to be adjusted to cover towing when one owns one. That means, of course, that one can have a caravan that is insured against all the normal things that can happen to a vehicle in transit but not against the things that happen to houses, like fire, break-ins and domestic equipment failure. The problem a caravan is a vehicle and also a house. Vehicle insurance is mandatory at all times, so people often think their van is covered for everything just because it is insured as part of their vehicle. Not so.Not having dedicated caravan insurance can mean extremely expensive disasters. Caravans are among the most high risk items in personal possession in the British Isles. They're expensive; they're hugely prone to falling apart; and they are often left on a site hundreds of miles from their owner's home and only used a couple of times a year. That makes them perfect for squatting in, stealing stuff out of or just falling apart without anyone noticing it is happening.
Having a caravan insured can provide premium protection against break-ins, theft of property from within the van, weather damage and general wear and tear expenses. The premiums, which are arranged by companies whose expertise is centred on caravans, static caravans and holiday homes, are surprisingly reasonable all the more so when one considers the sometimes huge investment a family has made in their holiday home. When thinking about caravan insurance, think about these prices: static caravans, for example, can cost more than a bricks and mortar flat; even good touring caravans can cost upwards of 30,000.
Like any insurance company, a provider that gives protection against the vicissitudes of caravan living will ask for certain reasonable precautions to be taken. The more of these precautions a caravan owner can prove they have made, the cheaper their insurance will be. So, in addition to the mandatory wheel clamp and tow hitch lock, van owners might want to think about the following: their caravan insurance will be cheaper if they have a tracking device fitted; if they remove most valuables (like TV sets and DVD players) from the van when it is unoccupied; and if they have the van stored in dry storage for winter months. There are hundreds of places across the UK that offer dry storage in barns, warehouses, sheds and so on for very reasonable prices. Given that weather is the biggest curse of all, as far as caravans are concerned, dry storage is pretty much a must-do. Insurance premiums will fall dramatically if a van is stored in a dry place because it is protected both from weather and from inquisitive thieves.
When one considers the amount of money one invests in even the humblest caravan one can find absolutely no reason not to pay up and get proper caravan insurance. Not insuring a van is like buying a house and then leaving the door open. Get the right insurance, protect the investment and never worry again.
Caravan Insurance Essential for Securing a Perfect Holiday Home for Lifetime
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