Details of Insurance Policies for Caravans
Caravan insurance is important to have in order to ensure that your caravan is covered for any costs that might be incurred by accidental damage or because of a fire, extreme weather conditions or theft.
Most caravan insurance policies will cover damage done to your caravan by bad weather, theft, accidental or malicious damage, fire and flooding.
Your removable belongings inside the caravan will also be covered up to a limit that would have been predefined in your policy (usually 300).
The possession cover will not cover small valuables such as jewellery, money and credit cards; these should be covered under all the risks section of your household contents insurance policy. The caravan contents insurance is intended for possessions that you cannot be expected to take with you such as furniture, curtains cutlery etc.
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.
You may be able to include damage to awnings at a small extra charge, usually there is a restriction on the age of the awning that can be covered, typically awnings that are more than seven years old cannot be covered.
Most caravan insurance policies will cover damage done to your caravan by bad weather, theft, accidental or malicious damage, fire and flooding.
Your removable belongings inside the caravan will also be covered up to a limit that would have been predefined in your policy (usually 300).
The possession cover will not cover small valuables such as jewellery, money and credit cards; these should be covered under all the risks section of your household contents insurance policy. The caravan contents insurance is intended for possessions that you cannot be expected to take with you such as furniture, curtains cutlery etc.
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.
You may be able to include damage to awnings at a small extra charge, usually there is a restriction on the age of the awning that can be covered, typically awnings that are more than seven years old cannot be covered.
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
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posted by SolveItQuick at
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