When considering the model of caravan to buy you may want to take into account that the German models of caravan may be harder to insure than any other makes of caravan. If you want German caravan insurance you may find it difficult to source an insurance provider willing to provide you with protection, or your premiums may be extremely high.
Why is it hard to find insurance for a German Model?
One of the reasons why you may struggle to find providers willing to offer cheap German caravan insurance is that these models are typically targeted by thieves. German models are often very opulent and in some cases, they are stolen to order, meaning that they are at a more risk than other models might be. Due to this fact and the fact that caravan insurance typically covers theft, some insurance providers tend to stay away from the German models and are not willing to take the risk.
Another reason as to why insurance providers may avoid insuring German models is that the parts for German caravans may be a great deal more expensive than those of other makes. If your caravan is damaged in an accident for instance, parts may have to be specifically ordered and shipped over – this comes with a great deal of expense.
Considerations to bear in mind before purchasing a German caravan
Before purchasing a German caravan, you may wish to give some thought to finding German caravan insurance. Bear in mind that typically in the UK you are only able to insure a German model that has a single axle and which falls under the category of under four berths. Many of the models of caravan from Germany are indeed built with twin axles, so bear this in mind when considering the model of caravan. You may find that you are unable to find insurance at all for some models in the UK, which may render your caravan useless.
If you have set your heart on a German model then taking adequate security measures is essential and some insurance providers may state that certain security requirements are in place on your caravan. You may wish to check with the provider of German caravan insurance if you have a touring caravan, whether you need a hitchlock and wheel clamp as the minimum in security measures on your caravan. Usually if these measures are a requirement, a hitchlock may suffice while your caravan is attached to your car. However, in the event of it being unattached, then both security measures may be required to be in place to keep the insurance provider happy, and to ensure that you are eligible to claim in the event of theft.
