| We have put
together this guide to help explain some of the elements
of a caravan policy. You should always satisfy yourself
that the policy offers you the cover that you require
at a price you are happy with. There are a number of ways
to reduce caravan insurance premiums.
Make sure you read the policy through to ensure you
understand what is and is not covered. Its a bit late
when you need to make a claim to find that you are a
not covered - an expensive mistake.
If you can't understand what the policy is saying i.e
its written in insurance gobledegook then you can either
call the insurance company for clarification or move
on an get a quote from another provider.
We have detailed a few things that should look at in
a caravan policy:
New for Old
Many Caravan Insurance Policies will offer some new
for old cover if you have a new or newish caravan. Some
policies this extends to caravans up to 5 years old
or more but most are one or two years. Well worth thinking
about if you have a caravan thats four years old for
example.
Cover
Check the level of cover on the policy. Assume nothing,
some policies do not cover accidental damage. Make sure
you understand the level of cover available.
Caravan Age
If your caravan is over 20 years of age expect to pay
a little more with some caravan insurance providers.
The reason for this, as with car insurance, is that
older caravans are not build to the same safety standards
as new and are potentially more likely to be in an accident.
Another factor is that often older caravans are not
serviced as often [more
info on caravan servicing]
Stolen Caravans and theft cover
Most caravan insurance policies insit on a level of
security in order to provide insurance. Unsullay this
is a wheel clamp (some times two for twin axles), and
a hitch lock. The security requirements to vary from
caravan insurer to insurer so make sure you check your
poolicy carefully.
European Use
Some policies cover European cover as part of the policy
others charcge for it as an extra. If you are planning
to take your caravan to Europe then its worth shopping
arround to get cover included. If you do not plan to
do this you might be able to save money by getting a
policy without this cover
Personal Belongings
Most policies allow you to insure the contents of your
caravan under the policy. However, they do charge for
this and if you have contents insurance much of your
belongings may be covered by your home insurance [get
home insurance quote]
Who can tow
Some policies ask you to name the drivers who will tow
your caravan. Other caravan policies allow any driver.
Think what cover you need and shop arround based on
this.
Public Liability
Make sure you get this cover. If your caravan rolls
down a hill and kils or hurts someone and you are liable
it can be very expensive. Most policies cover this but
always check.
Excess
You can reduce the cost of your caravan insurance by
opting to take a higher excess.
Exclusions
All policies have exclusions. They will vary from policy
to policy. Make sure you reasd them and fully understand
what is and is not covered by your policy
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