If you have bought a caravan holiday home or you are thinking of investing in one, then you also need to give some thought to caravan holiday home insurance. The benefits of a policy may differ slightly with insurance providers, with some offering better value for money than others may. Here are some of the benefits and features found in the typical caravan home insurance policy.
Are you offered all risks year round cover?
The typical caravan holiday home is only used in the warmer months and this means that during the cold winter months it remains empty. Of course, during the winter months your caravan is potentially at risk of theft, damages to water pipes, storm damage, and flooding. Therefore, you may wish to ensure that the provider gives you all risk cover for all the year round. When considering this you may wish to check the small print to find out if you need to take measures such as emptying the water system on the caravan and unhooking gas bottles. If you fail to meet the criteria set out by the provider, a claim may not be valid.
The exterior of your holiday caravan
You may wish to give some thought to the exterior of your caravan if you have installed things such as a patio, decking and fencing around your holiday home. If you have improved upon your caravan this way, it typically adds a great deal of value onto it. Check with the provider to find out if your insurance provider includes these in with your cover.
Protection for the contents of your caravan
The entire contents of your caravan are typically protected against loss or damage. Therefore, you need to make an inventory of all items, personal possessions, and furniture in your caravan holiday home. If the provider covers your patio etc, then these have to be included in the inventory.
You may also wish to check to see if you are covered under new for old. If your caravan holiday home insurance covers this then you get replacements brand new. This may also cover the caravan itself providing it is under a certain age and meets any other criteria set out by the provider.
