When looking for caravan cover for your static or touring caravan you may wish to look for cover with caravan insurance brokers. One of the biggest advantages of doing so is that you are able to compare the cost of insurance with several UK insurance companies in one place.
When looking for caravan insurance, it is essential that you not only compare the cost of the insurance, but also what is included in the policy, too. The benefits between insurance providers may differ and of course, you want to get the most for your money. Another factor to take into account when comparing policy features and benefits are the limitations and exclusions, which may not always be apparent at first glance.
What does cover include?
A typical caravan insurance policy covers things such as damage to and theft of your touring caravan, however there are usually certain security factors that have to be taken into account by the owner for the policy to pay out for theft. It is only common sense to install security features and some insurance providers may insist that you have a hitchlock on your caravan when it is attached to your car and left unattended. When you caravan is detached they may ask that you have a wheel clamp and a hitchlock to prevent theft.
You may wish to bear in mind that while your awning is typically protected against loss or damage there is usually certain requirements to meet. For example awnings are typically only protected against damage from storm if you are in the caravan at the time of storm damage occurring.
When insuring static caravans your policy may typically provide year round cover. However, as the majority of sites close during the winter months and you do not visit your caravan, certain precautions may have to be taken by you. For instance, insurance companies typically ask that you drain down your heating systems and such to lessen the risk of problems occurring.
As you see when using caravan insurance brokers or indeed when buying your caravan cover from anywhere, it is important that you take more than the cost of cover into account. Looking at the policy terms and benefits, as well as any obligations required from you in order to get insured can be key to getting the right cover for your needs.