What to Look for in a Caravan Insurance Policy
Getting your caravan is insured is a vital step to take in order to protect you from any costs that may be incurred by accidental damage to your caravan, or by damage from theft or bad weather.
The majority of caravan insurance policies will cover any damage that has been genuinely caused out of the owners control by fire, flood, bad weather, accidental or malicious damage and theft.
Your removable belongings inside the caravan will also be covered up to a limit that would have been predefined in your policy (usually 300).
This possession cover is meant to cover belongings that would usually, in case of emergency, be left in the caravan such as furniture, curtains etc. However, money, jewellery and other valuables are not usually covered under standard caravan insurance and should be covered under all risk sections of your household contents insurance.
Insurance is there for circumstances out of your control, however you do have a responsibility to take care of your property to the best of your ability, for example by locking the caravan up at all times you are away from it. There will be no cover if you leave it open or if you leave your belongings out in the open.
Similarly, if your caravan is stolen and it did not have a wheel clamp and hitch lock fitted, there will be no cover.
There may also be some restrictions on the caravan site. Some insurers for example may insist that your caravan must be parked in a registered caravan holiday park, or that your chosen site is concealed by hedges or fencing around the edges, and so there may be different security requirements with different policies, it is worth thoroughly reading your policy through to ensure that you will be covered at your preferred destination.
If you wish to have you awnings covered for damage, then that is usually possible at a small extra fee, but usually depends on how old the awnings are. Typically, if your awnings are more than seven years old then insurance companies will not cover them. - 21393
The majority of caravan insurance policies will cover any damage that has been genuinely caused out of the owners control by fire, flood, bad weather, accidental or malicious damage and theft.
Your removable belongings inside the caravan will also be covered up to a limit that would have been predefined in your policy (usually 300).
This possession cover is meant to cover belongings that would usually, in case of emergency, be left in the caravan such as furniture, curtains etc. However, money, jewellery and other valuables are not usually covered under standard caravan insurance and should be covered under all risk sections of your household contents insurance.
Insurance is there for circumstances out of your control, however you do have a responsibility to take care of your property to the best of your ability, for example by locking the caravan up at all times you are away from it. There will be no cover if you leave it open or if you leave your belongings out in the open.
Similarly, if your caravan is stolen and it did not have a wheel clamp and hitch lock fitted, there will be no cover.
There may also be some restrictions on the caravan site. Some insurers for example may insist that your caravan must be parked in a registered caravan holiday park, or that your chosen site is concealed by hedges or fencing around the edges, and so there may be different security requirements with different policies, it is worth thoroughly reading your policy through to ensure that you will be covered at your preferred destination.
If you wish to have you awnings covered for damage, then that is usually possible at a small extra fee, but usually depends on how old the awnings are. Typically, if your awnings are more than seven years old then insurance companies will not cover them. - 21393
About the Author:
This is only a breif summary of caravan insurance and is not intended to be representative of the covers or restrictions offered by any particular insurance or that all insurance provide the protection described. You can get a recommendation for insurance advice to suit your own circumstances or any of our other insurance products such as taxi insurance
posted by X - Men @ 2:57 AM
0 Comments
0 Comments:
Post a Comment
Subscribe to Post Comments [Atom]
<< Home