Thinking about insurance for caravans

One of your main considerations as the owner of a caravan is how to keep your asset and its contents as safe as possible. Having good insurance for caravans may therefore be a sound move.

Not in use

No matter what type of caravan you have, one of the greatest threats to it may be from theft.

A caravan used for holidays is going to be empty for a fair portion of the year but it may still contain some fairly valuable items – and this may make it an attractive and possibly easy option for thieves.

If you have a tourer you may find that you have the additional problem of protecting your caravan itself from being stolen.

What you can do to help

Taking some simple precautions may not only help protect your caravan and its belongings but also reduce your premiums. Possible examples include:

• removing all high value items from the caravan when no one is using it;
• fitting an approved security alarm and making sure that door and window locks are fit for the job and working properly;
• if you have a tourer, using a hitchlock to keep your caravan securely attached to your vehicle when unattended and if the caravan is unattached, making sure that a wheelclamp is fitted too (note that under the terms of your caravan insurance, you may be obliged to do this anyway);
• when your caravan is not in use over the winter, storing it at an approved site or at least keeping if off the public highway to reduce risks of vandalism etc.

It might be worth noting that a condition of cover may be that all water and heating systems are properly drained down while your caravan is not in use.

Be realistic

Getting as accurate a picture as possible of the value of the fixtures, fittings and other personal belongings in your caravan is essential to get a realistic figure for contents cover. Too little and you may find yourself under-insured and having to pay out for replacement items yourself. Too much and you may be paying for insurance for caravans cover you don’t actually require.

Using our site to find out more about insurance for caravans may help you find the right protection for your asset – or why not give us a call? We are happy to assist you, whether you need further information, a quote, or you simply need an answer to a question about your caravan cover.