When choosing your insurance for your caravan, you may feel a little confused by all the terms and conditions etc. Here is a brief summary of some of the major components of touring caravan insurance, which should help you make an educated decision about your cover.
The general cover
A classic touring caravan insurance policy may typically provide you with:
- cover for damage incurred to the caravan itself;
- cover for costs arising as a result of legal action against you under the auspices of third party liability (e.g. claims from someone that was injured as a result of your caravan);
- cover for the caravan contents in situations such as burglary or natural disaster.
Individual policies may also provide other elements of cover, such as awning protection etc.
All insurance policies will typically contain a number of terms and conditions.
In the case of touring caravan insurance, these may include things such as:
- the requirement that you use hitchlocks and wheel clamps in certain situations;
- requirements relating to where the caravan must be parked when it is not in use – some policies may extend that to include statements about the nature of any caravan parks it is used on (e.g. specifying that they are official caravan parks and/or licensed and supervised etc);
- some policies may have conditions relating to the minimum age of towing drivers.
It is always a very good idea to make the effort to read the conditions carefully.
Contrary to what some people may believe, the conditions of caravan insurance policies exist only to help the policyholder understand what their responsibilities are and the nature of the cover being provided.
Choosing a policy
There are many factors that may influence your decision about which touring caravan policy to purchase.
Although price will understandably be high up on most people’s priority list, it may be advisable to think initially rather more closely about the cover the policy is providing, than its price.
It is a truism of caravan insurance that, in the event of a disaster and subsequent claim, the policyholder no longer will have any interest in the price of the policy but only in the protection and cover that it provides.
That is why thinking about things in advance is always a good idea. For example:
- some policies may provide a degree of continental cover as standard;
- other policies may provide similar cover but severely restrict the number of miles that may be travelled outside of the UK in a given year;
- yet others may have few or no mileage restrictions but may severely restrict the total number of days you can use your caravan outside of the UK in a 12 month period.
The continental cover that may be most appropriate to you will depend, of course, on your plans in the year or years ahead; however, some policies may offer you cover that is closer to your requirements in that area than others.
Finding appropriate touring caravan insurance may take a little effort but it may prove to be extremely worthwhile. Alternatively, you can always get in touch with us and we will be more than happy to help you find the caravan cover that is most suitable for your needs.