Understanding Uk Caravan Insurance
If you've just gone out and spent a small fortune on a caravan
, it only stands to reason you'll want to make sure it's adequately insured, not only against accidents, but also against things such as theft and vandalism. One thing to bear in mind right from the beginning is that static caravans and touring caravans don't fall into the same category as far as insurance policies are concerned.Static Caravans vs. Touring Caravans:
Static caravans are those which you see parked up on a permanent or semi-permanent basis in various caravan parks around the country. Touring caravans on the other hand are those which are towed behind vehicles as and when required. Because touring caravans spend more time on the roads, they are more likely to be involved in a collision, and they are also far easier to steal than what static caravans are. As a result, the type of caravan insurance you require depends entirely on the type of caravan you own.
In order to keep matters simple, let's look at the basics of caravan insurance, irrespective of whether you own a static caravan or a touring caravan.
Theft and Vandalism:
The number of touring caravans being stolen in the UK each year is rising steadily, with the vast majority of them being stolen while parked on the owner's premises. With that said, a great number of them also go missing from camping sites when the occupants may be away exploring on foot.
Unfortunately, many holiday makers are lulled into a false sense of security when they park their caravan in a caravan park. For example, many people leave their caravans unattended for most of the day and only return in the evenings. Even static caravans are being stolen, and in most case there isn't a person in sight when it happens. This has inevitably led to insurance companies clamping down, and if caravan owners aren't willing to ensure there are sufficient anti-theft measures in place, insurance companies simply hike up the price for cover.
If you want to keep those premiums down, start using a hitch lock, install an alarm, and even a GPS tracking device. If you have a touring caravan, you should also consider storing it at a secure caravan storage facility. Not only will it give you extra peace of mind, but you'll more than likely pay less for your insurance as well.
Liability Cover:
Generally speaking, this is the equivalent of third party, fire and theft cover. For example, if someone else's property gets damaged because of your caravan, having this sort of cover will see to it that the cost of repairs is paid for by your insurance company. It also includes injury to a third party. For example, if your caravan has a burst tyre while you're driving, there a strong possibility that it could flip over, in which case some of the panelling may tear loose and strike someone. Once again, liability cover would ensure you're covered against any possible claims which may arise.
These two aspects of caravan insurance only cover the basics, so of course the actual amount you'll pay for cover will depend on several factors, such as the value of your caravan, its age, its contents, and etc. Whenever you shop around for cover, always be sure to get several quotes, and above all, don't sign anything unless you are absolutely certain you understand exactly what's covered and what isn't.
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