Top Tips to help you with your caravan insurance:
Getting the right caravan insurance can be tricky. To prevent potentially losing money in the future it is best to identify what insurance is right for you. This article offers 5 tips to help you get the most of your insurance and hopefully prevent you losing any money in the future from it.
Where do you use your caravan?
A very important thing that the insurance company needs to know is whether you are going to be using your caravan abroad or in the UK. You need to make sure that you are covered for every eventuality. Some insurance companies will cover your caravan abroad for a certain number of days, so it is vital to check all of these details and make sure that you have the right cover.
You should always have a look at the terms and conditions of the insurance policy you are with as there will be a minimum security level required for your caravan. This can mean such that you must have certain security equipment installed or on caravan for the claim to be valid. If you take extra security measures such as having alarms fitted then there is a chance that your provider can offer a discount. Installing extra security devices such as steering locks and a tracking device could also lead to your insurance price dropping.
It sounds obvious, but knowing exactly what insurance you have and what you are covered for vital. You will need to have accurately stated what the replacement value of your caravan is and also make sure you state any precise requirements to make sure your caravan is fully covered. Not having these basic requirements can be quite detrimental to your wallet!
You have to see if your insurance will cover you if you breakdown whilst touring. It is best to get a policy that provides either alternative accommodation or an alternative caravan. It is also a good idea to check if your insurance policy covers overseas and outside of the UK, as you will need to know if they will transport your caravan back to the UK and at what cost.
Check with your insurance provider what items inside the caravan are covered by their policy, and also let them know which items you do not want included. Again this is a basic thing to do, but it is good practice to know exactly what your insurance covers you for.