Caravan Insurers Offer Some Great Deals

Caravan insurers offer some great deals which mean that those looking for insurance for their Caravan can save on the premiums and also get insurance that is right for them. The type of Caravan insurance you need would depend on what you plan to do with your Caravan. If you are travelling around in your Caravan then you will need different features of Caravan insurance to someone whose Caravan is static and perhaps rented out to holiday makers.

First let’s take a look at the features of insurance that Caravan insurers offer those who aim to travel around enjoying their tourer Caravan. One of the main features that someone who wishes to travel outside of the UK should consider in a policy is European cover. If you are going to be travelling for many months out of the year around Europe then take at look in the small print to find out if there is a limit as to the amount of time you can spend in Europe. Some providers will state so many days while with others there might not be a limit. European cover should be considered essential as if you were to break down in Europe and have no cover all the expenses for towing, repairing and any hotel accommodation would come out of your own pocket.

The majority of Caravan insurance would payout for you to stay in a hotel if your Caravan was unliveable. However the insurance company would normally state so many days or up to a certain amount so this is one of the many things you have to check out in the small print of the cover before taking it out.

If you have a static Caravan and rent out then you would have to check out insurance that would payout for a loss of rental income. If your Caravan was damaged and had to be towed for major repair then you could lose out on rental income for some time while the Caravan was being repaired and this could add up to a considerable sum. If the insurance policy covered this you would not have to stand to this loss.

All Caravan insurance should feature protection for personal belongings and fittings and fixtures in the Caravan. If renting out this is essential as renters could damage or break items which would need repairing or replacing. These costs would otherwise have to come out of your own pocket. If you are living and travelling around in the Caravan then your personal belongings would have to be covered. Check the small print offered by Caravan insurers as the limits on the amount you could claim or these can differ greatly. You would also have to check to find out what exclusions there were in the cover as certain items might not be protected under the standard policy. Also check to see if items such as steps, awnings and gas bottles were protected in the policy. They usually are but again there could be limits as to the amount you would be able to claim for them.