Details of Insurance Policies for Caravans
It is important to buy caravan insurance because you want to protect yourself against the costs you might incur if your caravan is damaged accidentally or because of a fire, a theft, or bad weather.
Most caravan insurance policies will cover damage done to your caravan by bad weather, theft, accidental or malicious damage, fire and flooding.
The possessions within your caravan will usually be covered up to a limit which will be predefined in your policy, and will usually be around 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.
You have a duty of care to look after your property, so theft from your caravan will only be covered if it is properly locked up whilst you are away from it. So there will not be any cover if you leave it open, or you leave your belongings under an awning or in a toilet tent.
By the same token, if you do not fit your caravan with a wheel clamp and hitch lock and it gets stolen, you will not be covered.
There may be different requirements for the security of your selected caravan site in order for your insurance to be valid. For example some insurers may insist that you park your caravan in a registered holiday park, whereas some may insist that your chosen destination in concealed by fencing or hedging around the boundaries.
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.
Related posts:
- What You Should Know Relating To Static Caravan Insurance Static caravan insurance coverage is important to safeguard your caravan...
- The Differences Between Car Insurance Policies Every time you take a car onto the road, there...
- Caravan Insurance Online: The Easy Way to Find the Right Policy If you don't already purchase your caravan insurance online, then...
- Tips To Understanding The Important Details Of Auto Insurance Online Quote Are you paying too much for your auto insurance? Read...
- Choices For Port St Lucie Insurance For Home Some research is needed when making the choice for Port...
Related posts brought to you by Yet Another Related Posts Plugin.