Insurance Caravan – Caravan UK

Although it is not a legal requirement, purchasing caravan insurance is recommended as each year a huge amount of caravans are stolen. Insurance not only covers you for theft, but storm damage and accidental damage. Here in this article we shall look at checklist of things that you should consider when looking into buying this type of insurance.

First of all when shopping for caravan insurance it is well worth seeing if you can get a discount with a Caravan club. Many members are often entitled to a discount through their club so it may be worth joining a club when you purchase your caravan. You can also make your insurance cheaper by purchasing alarms, tracking devices, secure storage and axle locking devices. Caravan owners that have never made a claim before on their insurance can also have further discounts so it is well worth finding out how you can lower the cost.

When also choosing your caravan insurance it is worth finding out what can be covered in terms of personal belongings. These are items that you take from your home and bring with you on your caravan holiday. Some of these can be covered on your policy but it is well worth checking first and then checking that these items are covered by your home policy should the caravan one not cover.

Some policies on the market do not offer storm damage for awnings, but caravan awnings can cost up to one thousand pounds so it is worth seeing if you have any cover. Not only that but you may want to find out if you will be eligible for emergency accommodation expenses, in the event that you have your caravan stolen or damaged whilst on holiday. These types of expenses will be able to ensure that you have somewhere to stay in this situation-so check if your policy offers that added security.

When you buy a caravan and are then planning on purchasing caravan insurance then it is a good idea to take some pictures of your new caravan. Take shots of both the interior and the exterior and if possible any unique or personalised parts. Should your caravan ever be stolen then you can provide the police with images of your caravan to help them identify it.

Lastly, remember that all of the security devices you purchase will probably be exposed to the elements and will deteriorate in time. Just keep an eye on your security devices as if you have your caravan is broken into and the alarm was broken, then you will not be covered with your caravan insurance.

Dom Donaldson is a caravan expert.
Find out more about Caravan Insurance and the services offered from NACO.

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Top Tips to help you with your caravan insurance:

Getting the right caravan insurance can be tricky. To prevent potentially losing money in the future it is best to identify what insurance is right for you. This article offers 5 tips to help you get the most of your insurance and hopefully prevent you losing any money in the future from it.

Where do you use your caravan?

A very important thing that the insurance company needs to know is whether you are going to be using your caravan abroad or in the UK. You need to make sure that you are covered for every eventuality. Some insurance companies will cover your caravan abroad for a certain number of days, so it is vital to check all of these details and make sure that you have the right cover.

Security

You should always have a look at the terms and conditions of the insurance policy you are with as there will be a minimum security level required for your caravan. This can mean such that you must have certain security equipment installed or on caravan for the claim to be valid. If you take extra security measures such as having alarms fitted then there is a chance that your provider can offer a discount. Installing extra security devices such as steering locks and a tracking device could also lead to your insurance price dropping.

Be Accurate

It sounds obvious, but knowing exactly what insurance you have and what you are covered for vital. You will need to have accurately stated what the replacement value of your caravan is and also make sure you state any precise requirements to make sure your caravan is fully covered. Not having these basic requirements can be quite detrimental to your wallet!

Breakdowns

You have to see if your insurance will cover you if you breakdown whilst touring. It is best to get a policy that provides either alternative accommodation or an alternative caravan. It is also a good idea to check if your insurance policy covers overseas and outside of the UK, as you will need to know if they will transport your caravan back to the UK and at what cost.

Contents cover

Check with your insurance provider what items inside the caravan are covered by their policy, and also let them know which items you do not want included. Again this is a basic thing to do, but it is good practice to know exactly what your insurance covers you for.

Michael writes about Caravan Insurance, and offers 5 top tips to get the most out of your policy