If you intend on using a caravan on holiday there are things that you need to consider when purchasing caravan cover. This article will give ideas and points to remember when getting an insurance quote and purchasing your policy.
For most people, the worst case scenario regarding their caravan would be its complete destruction. The negative financial aspects can be mitigated by insurance. There will inevitably be emotional and psychological involvement but having comprehensive insurance will help alleviate most of that.
Shopping around makes sense when purchasing insurance. Finding the cheapest insurance is important to people and saving money is a strong motivator but reading the small print in any policy is essential. If you find a caravan insurance quote that is low cost and is a good deal, it may not be a good deal for you. There are many variations in insurance policies and finding the right one does not necessarily mean the cheapest one.
When choosing a caravan insurance policy, the first thing to look at is the amount it covers. Caravan insurance claims involve large amounts of money and an amount that looks good on paper may not actually be sufficient.
Insuring your vehicle itself is important but you need to make sure that everything inside the caravan is also covered. Stoves, gas bottles, microwaves and any other cooking utensils will need to be covered. Also, you don’t want to forget any electronics that you have as well as awnings, steps and anything else that may be stored in or on your caravan.
Enjoying holiday time only on home soil isn’t the intent of most caravan users. At some point many will pay a visit to the continent. If this is in your holiday plans then you need to make sure that your policy includes European cover. This is an optional extra and should be added to your caravan policy before you head for the continent. This and many other points should be at the forefront during your decision making process when purchasing insurance.
In order to choose the best cover for your caravan, and not forget any important points, it’s best to sit down and think about what you will be doing with and where you will be taking your caravan on holidays. Knowing your plans ahead of time will enable you to work up a list for the type of insurance that works best with your needs.
Once your list is in place you can begin to shop for caravan insurance and when you have the questionnaire that asks what you want in your insurance policy there won’t be any wasted time in thinking about it. Saving time isn’t the only reason for having a list. You’ll also be able to avoid add-ons that are unnecessary and you won’t fall prey to “what if” thinking.
The usual risks that most people want covered are fire, theft, and vandalism. Other risks to consider are natural ones like storms and floods. While natural risks do not occur very often, the frequency of this type of event seems to be increasing. Lastly, if you intend to take your caravan on public roads you need to remember that you are legally obligated to carry third party liability insurance.