Check the benefits of caravan holiday home insurance
Posted: April 22nd, 2009 | Author: admin | Filed under: Caravan Insurance | Tags: caravan holiday home insuranceChecking the benefits of caravan holiday home insurance is essential if you want to ensure that you get the best deal possible for your money and the right type of coverage. There are two types of insurance for your caravan based on whether you have a static caravan or you are touring around in your caravan, so choosing the right type of policy is imperative.
Benefits for touring caravan owners
If you have a touring caravan and enjoy touring around Europe then it is essential that you ensure you take caravan holiday home insurance that includes European cover. If the worst came to the worst and you were to be involved in an accident and your caravan was damaged to the extent that it had to be towed for repairs the policy would pay. It should also pay out for you to stay in alternative accommodation during repairs. Of course there would be limits on this, for example the policy could state so many days and up to so much per day. You would have to check how many days coverage the policy gave you for Europe as this can differ.
If you belong to a caravan club either national or regional then many insurance companies will offer savings on the insurance of around 10%. This is due to the fact that members of caravan clubs are seen to be more sensible and experienced with their caravans.
Check your policy to ensure that you would have public liability cover when touring around. This protection would pay out for any third party that should be injured by your caravan. If you do not have liability cover and you were taken to court you might have to pay out huge costs out of your own pocket.
Benefits for static caravan owners
Of course your caravan will be your home away from home. You will be able to take a break when you want and for how long you want and you will feel right at home in your own caravan. However there will be a great deal of your personal belongings in your caravan so when checking out caravan insurance for your caravan you would need to check what cover there is for your belongings. Usually you would have the choice of either new for old or the company will take wear and tear into account, new for old is usually the dearest type of protection but your belongings would be replaced as new.
If you rent out your static caravan check to find out if you would be protected for a loss of rental income. If your caravan was damaged and you could not rent it out you could lose a great deal of money.
Check to find out if your policy covered not only your caravan but also the fittings and fixtures. For example if you have a veranda, fencing, patio and steps. These can all add up to a tidy sum of money.
Check the small print to find out if the contents of your freezer in your static caravan holiday home insurance were covered. There will usually be a limit up to the amount the policy would pay out so check this also.
