Yet you may dream of the open air and those great caravan and camping holidays. If so, that’s great, but it might be sensible to find a little time to think about caravan insurance at the same time.
Realism about camping and caravanning
Nobody likes to think about what might go wrong on his or her holidays. That camping or caravanning trip is supposed to be about enjoying yourself not planning for one disaster or another.
Unfortunately though, life doesn’t always co-operate in the way we’d wish. It sometimes deviates from the script that we all hope our holidays will follow.
Problems may arise at just about any stage of your holiday and if they do, caravan and camping insurance may prove to be your best friend.
Types of protection
Suitable protection will depend, to some extent, upon the nature of your transport and accommodation.
Caravan and camping insurance cover is typically available in a number of forms to cope with the different varieties of this great leisure experience. The policies typically are described as suitable for:
- tourer caravans;
- trailer tents;
- park homes;
Different insurance companies may use slightly different terminology and have different interpretations.
It’s worth noting that the difference between a static caravan and a park home is typically defined as being related to the way you use it.
A static caravan is a caravan that is fixed in-place and used for a few weeks or months per year for your holidays and breaks. It’s typically covered by static caravan insurance.
By contrast, if you live in it permanently then it may, by definition, become a park home and require a different form of cover.
The risks covered
It’s really only by carefully looking at the details of the policy that you can be sure what risks are covered and those that may not be.
You may find that certain forms of risks are common across all types, including perhaps:
- fire and natural disasters.
Other forms will be vehicle or holiday-specific. That’s because, of course, some vehicle types will be more prone to road traffic accidents (for example) than others.
This logic also applies to the terms and conditions. They will typically vary by insurance provider and also by policy.
Caravan insurance, is it necessary?
That’s a question that individual owners must answer for themselves.
However, you probably know only too well just how expensive your particular type of caravan was. Thinking about the cost of replacing or even seriously repairing it, might give you pause for thought before disregarding caravan and camping insurance totally.