Insurance Meant For Caravans
it is essential that you invest in touring caravan insurance, as it will safeguard you against any financial loss, which you will to spend if your caravan get damaged in an accident or in a fire, bad weather or by a theft.
A majority of caravan insurance policies offers coverage for damage caused due to theft, fire, accident, flood, bad weather and other malicious harm to your caravan .
The possession in your caravan will also be protected; however, up to a certain limit, which will already be mentioned in your policy; and normally, it is just about 300.
This possession cover is meant to cover belongings that would usually, in case of emergency, be left in the caravan such as furniture, curtains etc. However, money, jewellery and other valuables are not usually covered under standard caravan insurance and should be covered under all risk sections of your household contents insurance.
It becomes your prime job to look after your property. Hence, if your property was rightly locked in your absence, only then it will be covered. In case you leave your belongings or property open under an awning or a toilet tent, then your property will not be protected under the caravan insurance.
By the same token, if you do not fit your caravan with a wheel clamp and hitch lock and it gets stolen, you will not be covered.
There may be different requirements for the security of your selected caravan site in order for your insurance to be valid. some of the insurers will firmly tell you to park your caravan only in a registered holiday park; whereas there are others who will tell you the area is closed by hedging and fencing around the boundaries…. try to compare caravan insurance!
If you wish to have you awnings covered for damage, then that is usually possible at a small extra fee, but usually depends on how old the awnings are. on an average, if your awning has been in use for more than 7 years, then insurance companies will not offer coverage for it .
This entry was posted on Monday, September 21st, 2009 at 7:20 am and is filed under General. You can follow any responses to this entry through the RSS 2.0 feed. Both comments and pings are currently closed.