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Important caravan insurance mistakes you shouldn’t make

Caravan holidays require you to learn a lot of things. It goes without saying that you need to know everything about your caravan: how to care for it, what to load and arrange inside it, and so on.

You are protected by your insurance. It is impossible to predict when you will trip and fall – however, you can rest assured that you have something to fall back on. External damages of the caravan (weather, collisions with other vehicles, etc.) will typically be covered by your caravan insurance policy.

Because of this, it is also important that you (and any family members you are bringing along) read the terms and conditions of your insurance policy. Below are some things to keep in mind:

1. Are you aware of what your insurance covers?

Find out what kind of damage is covered. The agents and ads would normally only promote the benefits that would benefit you in order to entice you to buy, or to scare you into taking action and buying right now.

Ensure the safety of your caravan by taking the proper precautions. Many insurance companies offer discounts for clients who prevent damages. Many people don’t pay much attention to this, so if problems arise they may not be able to claim since they can be categorized as the owner’s fault.

Check for weight or size restrictions. It means that you need to keep the weight of your caravan below a certain limit in order to claim any damages.

Insurance policies can change over time, so check to see if yours have changed, too. It is impossible to set standards; every policy is subject to change, and sometimes changes are made without prior notice. You must comply and agree to the changes once you sign the document.

2. Do you have the right caravan insurance policy?

Your insurance covers different types of accidents, theft, and damage depending on what you use your trailer or caravan for.

Static caravan insurance. When you want to put your trailer in a park and leave it there for a long time, you should get static caravan insurance. If it is not moving, it will cover damages caused by weather or accidents. You should make sure the mover you plan to use has insurance so you’ll be protected if something goes wrong.

Touring caravan insurance. This is for caravans that are being towed by another vehicle. Car insurance is not the same as this. You should read the policies for your car even if it is insured, and understand what it covers. Most policies only cover minor damages, like dents and scratches. Major damages or theft will fall to your responsibility. It is important to have a different kind of touring caravan insurance when you travel abroad, especially if damage occurs outside of the country.

3. Having separate caravan and personal insurance

Personal insurance and caravan insurance are two separate things. A caravan insurance policy typically covers its interior and exterior only. You will usually be asked to purchase household insurance to protect your belongings and electronic equipment. When you are traveling abroad, it becomes more complicated if you want to keep your gadgets safe. You can find more information here.

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