Insurance For Caravan- Providing Protection To Your Caravan
Tony is a prolific writer and has written a number of articles on insurance for caravan in his website http://insurance-for-caravan.com/. Reading these would equip you with good knowledge of how to go about finding the right insurance for your caravan.
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Insurance for caravans covers damages to the caravan and its contents due to accidents. There are options available to caravan owners where in they can insure not only their caravans in tow but also the ones that are stationary. Damages occurring due to bad weather or even theft are covered under this insurance.
The basic insurance policy for caravans is one which compensates for the costs for repairing damaged parts. In some cases this may also provide another vehicle altogether of equal value. The premiums tied up with such insurance policy usually depends upon the vehicle’s age, the area in which it is driven and its market value.
The main things which are covered under a standard policy would be accidental damage, theft of contents or the caravan itself, repair works pertaining to the fixtures such as battery, stabilizer and refrigerator, paintwork if damaged by any accident and damage caused while loading and unloading of items in vehicle while on the move.
As a general rule, an insurance policy would not cover any accommodation expenses in the case the caravan is not fit to be used. This clause has to be added and specified and paid for separately by the policy holder. The contents of the vehicle are insured separately. Also if the caravan is not occupied for some said specified period of time then the insurance would stand void.
A clause covering medical cover in such an insurance policy is generally desirable as it will reimburse any expense which comes under medical treatment in case of accidents. This clause however has restrictions and exclusions.
There are some aspects which are not covered in such an insurance. These would be the damages caused to the caravan or other vehicle by the caravan in case of the driver’s negligence or ignorance of basic traffic rules. Also wear and tear charges and rusted parts are not covered. Mechanical failures if not caused due to accidents are also not covered. Installing any additional accessory or modification of the structure of the vehicle, electrical fittings in the caravan, overloading the vehicle are again some things which do not get covered in the insurance.
Many of the owners tend to rent out their vehicles when not using it themselves. In such cases it would be prudent to ensure that adequate liability insurance coverage is there in the insurance policy. This is required in case a third party – such as someone to whom the vehicle is lent to, sues in case they suffer loss or any damage while on the caravan. This coverage in the policy pays for the legal costs in such an event.
Also a caravan insurance policy comes very handy in winters when due to adverse weather the vehicle may suffer damage even while not on the move. Any policy should be taken after reading the documents carefully and going through the major as well as the minor points in detail so as to avoid any confusion later.
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