Caravans are the perfect place to relax, but they can also be expensive investments with all those extras like televisions and satellite dishes. If something happens to your caravan, it’s important that it’s covered by caravan insurance cover.
Caravans can be very expensive, so they need to be protected against loss or damage. You also need liability cover as you may cause injury to other people when driving or parking your caravan.
The purpose of this guide is to explain the types of cover available and help you choose the best caravan insurance policy for you.
With the right level of cover, you can protect your caravan against accidental damage and theft, as well as cover any additional expenses that may be incurred while you’re on holiday.
Choosing the right caravan insurance policy will ensure that you get the most out of your insurance cover and that you’re covered if something goes wrong while you’re away.
If you’re planning to move around with your caravan, then it’s worth checking whether or not your car insurance policy covers you to tow the caravan. If it does, then you’ll be able to get away with just using this policy as your cover. However, if it doesn’t cover towing or if it only offers limited coverage when you are driving, then you may need to look into getting a separate policy for your caravan instead.
A standard car insurance policy will cover damage caused by other people driving your vehicle as well as damage caused by accidents that occur while driving the vehicle yourself (including theft). Caravan insurance policies will typically extend this protection to cover damage caused by other people driving your caravan and also protect against theft of your vehicle and its contents.
There are two main types of caravan insurance: ‘third party only’ and ‘all risks’. Third party only covers damage caused by other people while all risks insures against damage caused by any cause (such as burglary). Third party only policies can be cheaper than all risks policies but they usually offer less protection for the van owner if there is an accident involving another driver.
Caravan insurance policies have different levels of cover and different types of cover available. For example, some policies will only pay out for damage caused by fire or flood, while others will also include theft and vandalism in their cover.
You should also consider the amount of cover you want and how much this will cost. Some policies offer more protection than others so it’s important to compare policies before choosing one. It could be a good idea to ask for quotes from both high street insurers and specialist caravan insurers as these may offer better value for money.
You should also think about whether or not you want legal expenses included in your policy. This can be useful if there are disputes over who caused an accident or damage to your caravan.