The policy terms and benefits of caravan insurances may often differ so you may wish to go over your policy very carefully to find out what benefits, features and exclusions there are within it. That way you can be sure that you have the most suitable cover for your needs.
Here are some of the many things you may be protected against when taking out a policy, depending on your choice of cover:
- damage or destruction to the contents or your caravan that come about as the result of fire;
- new for old replacement caravan if your caravan is stolen and meets certain criteria (such as being less than a certain amount of years old). Do note however that when you take out the cover, the provider typically asks that you take precautions such as attaching a hitchlock when travelling with your caravan and a hitchlock and wheel clamp when your caravan is detached from your vehicle;
- new for old cover for the contents of your caravan if they are stolen, suffer damage or are destroyed;
- protection for your awnings and steps of your caravan. Storm damage to awnings is typically only covered in the policy if you are using the caravan at the time. If you have left the awning up and are away from the caravan, storm damage will often not be covered.Y ou also have to state a limit of insurance for your awning in the policy;
- in the case of your static caravan you may have protection for the contents of your freezer. However this typically does not apply when taking out touring caravan cover;
- year round protection for your static caravan. However bear in mind that typically you have to take certain precautions such as draining down your systems during the winter months when you are not using the caravan;
- European cover for your touring caravan if you wish to travel around Europe, this stops you having to apply for cover at the border of each country you visit;
- Caravan insurances typically provide liability insurance, this provides towards your legal costs in the event of a third party suing you for loss or damage to them or their property, subject to certain criteria being met.
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on Monday, January 11th, 2010 at 1:30 pm and is filed under Caravan Insurance.
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