An introduction to carvan insurance
Posted: April 6th, 2010 | Author: George | Filed under: Caravan Insurance | Tags: carvan insuranceCarvan insurance comes in many forms: touring caravan insurance, static caravan policies and motorhome cover. But no matter which of these policies you are looking for, you may wish to consider the following questions when looking for insurance.
What might the policy cover?
With touring carvan insurance, a policy will typically cover the structure of the caravan itself. Insured risks commonly include fire, theft and damage from storms, although some insurers may include malicious damage and accidental damage.
For a static caravan, the issue may be a little more complicated depending on what you have outside. For instance, if you have a shed or a bin store, these outbuildings may not be covered.
The contents of your caravan can also be included in caravan insurance. Take care not to bring any items of significant value on holiday, as these could be excluded under a single items clause.
How much will it cost?
You will no doubt receive a wide range of quotes, but as always the devil is in the detail. Look at the excess on the caravan insurance policy. If it is high, bear in mind that you will not be able to make claims under that amount. Would this cause you problems if, for example, you needed to get your caravan repaired after a storm and the bill came to less than that figure?
Do not be afraid to sell yourself to an insurer. After all, if you have no claims bonuses and are a responsible member of a caravanning club, you are a careful caravan owner who should be attractive to insure.
What are the insurer’s requirements?
Insurers sometimes have terms and conditions attached to their policies. Common requirements you might find on carvan insurance include specific security provisions that need to be taken. For instance, wheel clamps and hitchlocks are usually considered the minimum level of anti-theft devices that caravan owners should install.
