When it comes to arranging touring caravan insurance, there are a number of things that you may typically have to think about, including:
- the cover provided for the caravan itself;
- the cover provided for your contents;
- public liability protection.
Your caravan
Touring caravan insurance may typically provide cover against events such as:
- fires, lightning and the like;
- storms and floods,
- vandalism;
- theft;
- accidental damage.
While damage caused may well be able to be repaired, there may be times when damage may be beyond economical repair. What happens then may depend on your actual policy but may typically depend on its age and the number of owners that it has had.
Caravan contents
A typical touring caravan insurance policy may provide contents cover on a similar quality replacement basis.
It may be worth noting that:
- there may typically be an upper value limit for any individual item;
- belongings kept in an awning may not be covered – though items of outside furniture may be;
- contents cover may be restricted to periods when the caravan is in use by you.
Public liability cover
If a third party is injured or has their property damaged and this is attributable to your caravan, they may sue you and be awarded damages, which could be substantial. Public liability cover provides financial protection and may include legal costs as well.
Terms and conditions
A final point to consider is that caravan insurance policies typically contain terms and conditions; which govern how the policy operates.
You may find, for example, that the use of hitchlocks and wheel clamps may be required in certain circumstances or that you need to take special precautions to stow your awning away when the caravan is unattended.
Reading carefully through your touring caravan insurance policy may typically be a sensible step.
