If you will be using your caravan during the holidays it’s always recommended that you insure it in order to protect yourself from any danger that might come your way.
Types of caravan insurance covers
There are three types of caravan insurance covers you can go for: touring, static, and trailer tent cover. Caravan insurance covers are inclusive of the caravan that is being towed behind another vehicle.The static cover covers a caravan that you place at a fixed location. For example, the caravan that you place at a holiday park. In most cases, the cover protects even the contents in the caravan. It covers the tent and sometimes the contents in the tent. Since the tent is usually exposed, most of the insurance companies shy away from covering the content. The few that accept to insure the caravan often charge a high fee.
Factors to consider when getting a caravan insurance cover
To avoid misunderstanding in the event you have an accident or your contents are damaged, you should get the right caravan insurance cover. The first thing to consider is the reputation of the company you are working with. As rule of thumb ensure that the company is of high reputation and can’t scam you.
You should also consider the size restrictions of the cover. It’s common for companies to cover caravans of a certain weight or size. To avoid problems in the future you should weigh your caravan including its contents and ensure that the company you are buying the cover from will insure it.
If your caravan will be in the same place for the entire time of your holiday, you should get static insurance that will protect your contents. The policy should cover items such as clothes and gadgets such as phones, tablets, and laptops. If you will be traveling with high tech, expensive machines you should let the insurance company know about it so that you can know whether you are on the safe side.
Finally, consider the excess. This is the amount of money you agree in the event of any claim. It’s usually divided into two categories: compulsory and voluntary. You should analyze the two amounts and go ahead with the cover if you are comfortable with it.
Tips on how to get the most out of your caravan insurance cover
When you are going for any cover you should always strive to get the most from it. When it comes to caravan insurance cover, there are a number of things you can do to get the most from it. One of the things you should do is have a clean claims history. This shows that you are responsible which increases your chances of getting a policy with a low premium.
The other thing you should do is install safety equipment in your vehicle. You should install an alarm, wheel clamps, hitch lock and any other equipment that might increase the safety of your unit.