Although it is not a legal requirement, purchasing caravan insurance is recommended as each year a huge amount of caravans are stolen. Insurance not only covers you for theft, but storm damage and accidental damage. Here in this article we shall look at checklist of things that you should consider when looking into buying this type of insurance.
First of all when shopping for caravan insurance it is well worth seeing if you can get a discount with a Caravan club. Many members are often entitled to a discount through their club so it may be worth joining a club when you purchase your caravan. You can also make your insurance cheaper by purchasing alarms, tracking devices, secure storage and axle locking devices. Caravan owners that have never made a claim before on their insurance can also have further discounts so it is well worth finding out how you can lower the cost.
When also choosing your caravan insurance it is worth finding out what can be covered in terms of personal belongings. These are items that you take from your home and bring with you on your caravan holiday. Some of these can be covered on your policy but it is well worth checking first and then checking that these items are covered by your home policy should the caravan one not cover.
Some policies on the market do not offer storm damage for awnings, but caravan awnings can cost up to one thousand pounds so it is worth seeing if you have any cover. Not only that but you may want to find out if you will be eligible for emergency accommodation expenses, in the event that you have your caravan stolen or damaged whilst on holiday. These types of expenses will be able to ensure that you have somewhere to stay in this situation-so check if your policy offers that added security.
When you buy a caravan and are then planning on purchasing caravan insurance then it is a good idea to take some pictures of your new caravan. Take shots of both the interior and the exterior and if possible any unique or personalised parts. Should your caravan ever be stolen then you can provide the police with images of your caravan to help them identify it.
Lastly, remember that all of the security devices you purchase will probably be exposed to the elements and will deteriorate in time. Just keep an eye on your security devices as if you have your caravan is broken into and the alarm was broken, then you will not be covered with your caravan insurance.
Author Resource:
Dom Donaldson is a caravan expert.
Find out more about Caravan Insurance and the services offered from NACO.Distributed by Content Crooner
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