Insurance for caravans is a wide subject. After all, there are a number of different types of van available – touring, static, motorhome and campervan. Each type has its own specific insurance requirements, but if you are undecided about whether you even need any cover at all, ask yourself this: can you afford not to have it?
For both touring and static caravans the main risks are theft, damage from fire, flood, and storms. Accidental damage and malicious actions of vandals can also be a threat. An insurer may cover all or some of these risks.
What affects the premium?
The things that might affect the premium are the location of the caravan (from the point of view of the kind of neighbourhood it is kept in), its age, model and make (from the point of view of its value) and the security measures you have taken to keep it safe.
Insurance for caravans does assume that the caravan owner will take certain steps to make sure that the risk of theft is a low as possible, with wheel clamps and/or hitchlocks being compulsory for some insurers.
Discounts may be available if you have taken extra measures. You may also be able to seek a reduction if you have joined a caravan club, and if you have a no claims bonus from previous policies. After all, these bonuses prove that you are a careful person, who takes care of their things.
Exactly what is covered?
Before you take out a caravan insurance policy, make sure that you are certain about what is covered. For example, some insurance for caravans automatically offers contents cover. But for touring caravans, does this include items that are stored in awnings or the actual awnings themselves? Also, is there a limit on the value of single items that can be claimed? How does the insurance work if the items are also insured elsewhere?
For static caravans and park homes the questions that you might consider asking are slightly different. Some static caravans come with a garden area. In which case, sheds and fences are rarely included in the cover.
What else should you take into account?
Finally, you need to consider what level of customer care you will receive. If you are ever in the unfortunate position of having to make a claim, you will appreciate a UK based team of staff who have been well trained to assist you with your problem. Likewise, you might ideally look for insurance for caravans that is sympathetic to your requirements. If your caravan is damaged while you are on holiday, your provider may typically pay the cost of the damage if appropriate, as well as costs for alternative accommodation so that you can continue with your break (up to pre-agreed policy limits).
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