It is an unfortunate fact of life that bad things happen from time to time. If you are unlucky and bad luck strikes your caravan, you may be at significant financial risk unless you have adequate caravan insurance.
Types of insurance for caravans
Typically, caravan cover is organised on the basis of the major types of caravan to include:
touring caravans; static caravans; motorhomes; park homes; trailer tents.Each type of caravan will have its own policy providing appropriate cover. As is commonplace with insurance, policies are not transferable across types. So you cannot, for example, use an existing trailer tent policy to cover a touring caravan if you purchase one.
Insurance providers
As you would expect, there are a number of providers of caravan cover insurance.
Deciding between them necessitates looking closely, not only at the price of the premium but also at the detail of the cover provided.
There are too many differences to be specific here but some things worth looking for might include:
the terms and conditions - some policies may have rather more restrictive and proscriptive conditions than others and these may or may not suit your requirements; the benefits provided - for example, some policies may offer new for old contents cover while others may offer only market value replacement.The cost
It is not unusual to see prominent advertisements relating to the price of the policies on offer.
Although these may be appealing, it's worth keeping in mind that they may not apply to your particular situation. Ultimately only a caravan insurance quotation and a careful read of the policy documentation, may tell you whether the insurance is suitable for you.
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