Although insurance for caravans is quite similar to insurance for cars, there are some subtle differences thanks to the range of models on the market and what the individual person wants to use them for. For example, many policies include protection for travel in Europe automatically, although there may be a restriction on the amount of time you may spend on the continent before you have to pay extra on your policy.
Normally a policy protects against fire, theft, including break-ins, plus damage which results from accidents. However, insurance for caravans may not protect somebody as standard if the vehicle is being used as someone’s permanent residence. As with cars, somebody may not be protected against theft if they leave the caravan unlocked and find items are stolen. For a policy to be valid, it will normally require that somebody leaves the caravan secure when they are not there.
There is also often the option to specify or a certain amount of personal effects cover – essentially a contents insurance limit. If you intend to take a particularly expensive item with you on a trip, such as a high specification digital SLR camera, it may pay to first check they will be covered on the caravans insurance policy.
Of course, many people would simply rather not ever have to claim on their insurance policy, and there are some effective security measures you may use to prevent theft. These include wheel clamps and alarms. You may also fit a tracking device to the caravan which may help to locate it quickly if it is stolen.
For many people a caravan is a significant investment – some people may have saved up for years to buy one and others may have invested in one as part of their retirement. Insurance for caravans is a sensible and not necessarily overly expensive way of guarding against the risks of damage and theft.
