Typical carvan insurance cover provides the owner with many benefits. These benefits of course depend on whether you take out static or touring caravan insurance.
Benefits specific for touring caravan insurance
If you have a touring caravan, you are able to choose to travel wherever you wish. You may wish to stop in the UK, as there are many beautiful areas to visit. However if you want to travel into Europe then European insurance is needed. If you go into Europe without cover then you typically have to stop at the border of each country you visit to arrange insurance.
Usually European carvan insurance includes money towards a stay in alternative accommodation in the event that your touring caravan is damaged and has to be taken for repairs. Providers generally offer up to so much towards the cost over so many days.
Benefits specific for static caravan insurance
As your static caravan is often left unattended for long periods during the winter months, you may wish to ensure that your provider offers all risks protection all year round. During the winter months, your caravan is particularly vulnerable due to storm damage, flooding and broken pipes. It may also be more of a target to thieves when it is unattended.
Draining your water tank and emptying pipes may go towards lessening the risk of flooding but there is little that you are able to do about storm damage. Therefore, it is essential you have all risks year round protection in your insurance policy.
Benefits in either types of insurance for your caravan
You typically find public liability or third party insurance included in your carvan insurance cover. Liability insurance typically pays towards a claim that may be made if a third party were to become hurt due to your fault. For instance, if someone renting your caravan were to trip or fall when renting your caravan. Liability insurance typically covers you if you were to damage another’s property with your touring caravan, for example, if you were to back your caravan into wall surrounding a property.
