As part of your touring caravan insurance cover, you may typically be required to make sure your caravan, its storage and its use, meet certain terms and conditions of the policy. The obligations you have under the terms of your UK touring caravan insurance policy can vary between insurance providers and specific policies. However, there are some common obligations that are typically outlined in such policies.
These are typically common-sense things that help keep your caravan safe from risks and reduce the chance of making a claim. After all, no one wants to suffer the inconvenience of a theft, or see their touring caravan insurance premium potentially increase because of their own claim or – more importantly – because of other peoples’ claims.
As an example, it is a condition of your tourer insurance that whenever your touring caravan is left unattended and detached you will make sure it cannot be moved by fitting a wheel clamp and a hitchlock.
Understand your obligations
It’s important to carefully read and understand the terms and conditions of your specific insurance policy, not only relating to the security of your ‘van but also your general obligations. Typically this may include:
- you are obliged to pay the insurance premiums as specified in your policy. Failure to do so could result in a lapse of cover;
- it is essential to provide accurate and truthful information when applying for the insurance policy. Any inaccuracies or omissions could affect the validity of your cover;
- maintenance and upkeep: you typically may be required to maintain your caravan in a roadworthy condition. Regular servicing and addressing any necessary repairs promptly can contribute to the validity of your cover;
- notifying us of any changes: if there are any changes to your circumstances or the details provided in your policy application, such as changes in address or modifications to the caravan, you are typically required to inform your insurance provider promptly;
- be aware of any exclusions specified in your policy, as failure to adhere to these may impact the coverage.
Always refer to your specific insurance policy documents for a comprehensive understanding of your obligations. Or, if you prefer, please give us a call, we will be very happy to help.