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.
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 possessions cover is intended to cover items that would normally be left in the caravan, such as furniture, cutlery, curtains and so on. Normally money and credit cards, jewellery and other valuables are excluded and should be covered on the all risks section of your household contents policy.
You have a responsibility to ensure that your property is secure to the best of your ability, there will be no cover if you leave the caravan unlocked or leave valuables lying out in the open under an awning for example.
The same applies to your actual caravan, i.e. if it gets stolen and you did not fit it with a wheel clamp and a hitch lock, you will have no cover.
Check for restrictions due to the security on the caravan site. There may be different requirements for security, for instance an insurer might insist that a static caravan may only be stored on a registered holiday park (i.e. HPA or British Holiday Home Parks Association graded sites). In addition the insurer may insist that the caravan site is protected by hedging or fencing at its periphery.
If you wish to have damage to awnings included in your caravan insurance policy, then that is usually possible at a small extra cost, depending on how old the awnings are. Usually, if the awnings are older than 7 years then they cannot be covered. - 2368
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 possessions cover is intended to cover items that would normally be left in the caravan, such as furniture, cutlery, curtains and so on. Normally money and credit cards, jewellery and other valuables are excluded and should be covered on the all risks section of your household contents policy.
You have a responsibility to ensure that your property is secure to the best of your ability, there will be no cover if you leave the caravan unlocked or leave valuables lying out in the open under an awning for example.
The same applies to your actual caravan, i.e. if it gets stolen and you did not fit it with a wheel clamp and a hitch lock, you will have no cover.
Check for restrictions due to the security on the caravan site. There may be different requirements for security, for instance an insurer might insist that a static caravan may only be stored on a registered holiday park (i.e. HPA or British Holiday Home Parks Association graded sites). In addition the insurer may insist that the caravan site is protected by hedging or fencing at its periphery.
If you wish to have damage to awnings included in your caravan insurance policy, then that is usually possible at a small extra cost, depending on how old the awnings are. Usually, if the awnings are older than 7 years then they cannot be covered. - 2368
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 personal insurance to suit your own circumstances or any of our other insurance products such as taxi insurance
posted by Frank Potter at 12:59 AM
0 Comments:
Post a Comment
<< Home