Their proud owners may call caravans many things but 'cheap' is not a description often used. Even the smallest caravans are expensive and if you have a problem that involves theft or damage to them, you may end up seriously out-of-pocket unless you have good insurance for a caravan.
Insurance categories
Finding suitable insurance for a caravan is not always the easiest of tasks. To begin with, it is necessary to realise that the insurance selected may need to be appropriate to your vehicle as typically cover divides down into:
- touring caravans;
- static caravans;
- motorhomes.
All of these types of caravan may have their own unique types of risk and therefore be in need of specific cover and protection.
Common factors
In the case all caravans, you'll probably be keen to get appropriate cover while, of course, keeping one eye on the costs.
There are a few things to keep in mind both from a common sense point of view and to help keep the costs of your caravan cover premiums down.
General
- fitting security locks on doors and windows;
- fully draining down all water systems when unoccupied;
- removing or folding the awning when away from the vehicle;
- high-value individual items such as cash, electronics and jewellery, may not be covered.
Static caravans
- keeping your vehicle on an approved, secure and serviced site;
- fitting hitchlocks and wheel clamps.
Tourers
· fitting hitchlocks and wheel clamps may be obligatory to obtain cover;
Motorhomes
· restricting the age and number of drivers;
· reducing the number of times that the vehicle is taken out of the country;
· keeping mileage down and driving outside of peak times.
The insurance for a caravan is inevitably specialist in nature. As a result, it is typically a good idea to consult an insurance provider that understands both your vehicle and the insurance market place inside out. Through this approach you may be able to find various options in the one location. It may help save you money, obtain more suitable caravan insurance cover and be a less frustrating experience.