subject: Choose Your Caravan Insurance Carefully [print this page] Choose Your Caravan Insurance Carefully
One of the first requirements that are needed when looking for caravan insurance is the type of insurance needed. Providers typically offer touring, static and park home insurance with each offering various forms of insurance depending on the type.
There are of course certain things that are covered in all types of caravan insurance along with specific benefits. Here are some of the many things that you may wish to check are included in your caravan insurance policy.
Contents protection - this is essential no matter whether you own a static or a touring caravan. However if it is a touring caravan you have then you may be at a bigger risk of theft of belongings as you are moving your caravan from site to site. You should ensure that your personal belongings are covered in the policy and this may include any money you take with you on holiday. Also take into account electrical equipment in a static caravan as it is not uncommon to have such things as flat screen TVs and electrical equipment you would have in any home.
Protection for awnings - your awning is a very costly part of your caravan and it can cost an arm and a leg to replace or repair if it is damaged. Awnings are typically covered in caravan insurance but usually only up to so much and there are generally limits and exclusions. For instance you might not be able to claim for a damaged awning if it was damaged during a storm and you left it up while you were out of the caravan.
Insurance for the shell of your caravan - you might want to find out if the shell of your caravan is protected against damage by vandalism or storm. Repairs to the shell or windows of the caravan could be very expensive if it all has to come out of your pocket if a claim is made.
Take notice of how much the excess is on the insurance policy. Excess is the sum you have to put your hand in your pocket to pay if you have to claim. Once you have paid the excess the provider takes over the rest of the claim. This amount could be different based on providers and you could pay more excess to keep down the cost of insurance.
As you can see from the above there are many things that you need to consider when looking to take out caravan insurance. There are always exclusions which are the things that you cannot claim for and these should be checked before rushing into taking out any policy. Insurance providers may insist that you play the part of a responsible caravan owner so check what you need to do or your policy might not payout. For instance if you have a touring caravan you usually need to install security measures such as a wheel clamp and a hitchlock. Of course these bring peace of mind that your caravan is not easy to tow away by a thief.
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