Do you own a caravan? Being out and about touring your caravan is a great way of getting away from it all and making amazing memories of travel with family and friends. The big question is, do you buy a separate caravan insurance policy?
It’s not legally required to get specific insurance coverage for your caravan but it is advisable. Some caravan owners often ponder about whether it would be worth it to invest effort in finding a policy or not. The fact is that whilst towing, the caravans are often covered by the owner’s motor policy however, you should check this with your car insurance provider. However, when the vehicle is uncoupled, it is often left uninsured.
Reasons to purchase Caravan Insurance
It’s becoming a widespread affair these days and according to some reports, more than 3,000 touring caravans are targeted annually. Most policies have provisions for “new-for-old” caravan replacement which will support you in case the vehicle gets stolen. As you report about your stolen vehicle to your insurer, they will bear the cost of getting a new vehicle for you.
Cover for personal items
You carry a lot of personal items in your caravan and most of them are really useful. When you are carrying this equipment or even appliances on your vacation in the caravan, these items won’t be covered under your home insurance policy. A caravan insurance policy may offer coverage for different functional items within the vehicle like gas cylinders, camping gears etc.
Cover for damages from natural disasters
In recent years in the UK we have witnessed some very unusual weather patterns and terrible flooding at many campsites. Caravans are obviously exposed to natural disasters which could mean serious damage to your vehicle. Insurance policies may offer your vehicle coverage on damages from these natural disasters.
Your caravan is your hotel on wheels but what if it gets damaged somehow on the way and you are forced to stay somewhere else all of a sudden? Caravan insurance policies may save you with its coverage for emergency lodging expenses.