Insurance is vital for your caravan and can help you get the compensation you need if you have an accident. There are several reasons to have your caravan insured. This article will discuss why you should have it insured, where to buy it, and how to transport it safely. It will also cover the questions, such as what if your caravan breaks down? And what happens if you get in an accident?
Why Insure your Caravan
You might consider saving money on caravan insurance. It can be expensive! But be aware, it can cost you a lot more!
You can unhook the caravan with confidence and drive around the camp in your car without worrying about it. You will need to bring your most valuable and sentimental belongings if you are doing the Big Lap.
More than 400 caravans are stolen each year. Being one of these unfortunate owners is not fun. It’s easy to miss the caravan’s width and run into gate posts or kerbs when you are reversing. Even vans with wheel clamps and hitch locks can be stolen.
There is a common misconception that caravan insurance covers your car. Car insurance does not cover caravans being towed by your vehicle. Only the vehicle’s damage is covered in the event of an accident. You can travel with confidence knowing that your caravan insurance will cover you for a flat annual fee.
Transporting your Caravan
You should consider getting a comprehensive insurance policy for your caravan. This insurance is essential for your safety and the well-being of your family, so you should compare the rates offered by different insurance companies before choosing one. Remember that your age and gender will be taken into account in the premium that you pay for insurance. You should also know the type of insurance you require for your caravan, as different policies will cover different things. Some may provide removalist services in the event you cannot tow it back to your destination. You will also need to provide your name and address, the make and model of the caravan, and details about its security. If your caravan is secured with a security system, you should provide the insurance company with this documentation. Ask about any discounts and premium reductions.
The weight of your caravan should be less than 85 percent of your car’s kerb weight. You can also take non-compulsory training to give yourself more confidence. Caravan towing training is essential for new drivers, and the Government recommends it to first-time caravan tow drivers. However, you should be aware that the weight of a caravan can increase fuel consumption when towing. Be prepared to refuel more often than normal if you are towing a caravan.
What if My Caravan Breaks Down
When it comes to caravan insurance, it’s important to know what your policy covers. Some policies cover roadside assistance while others don’t. Make sure you have enough coverage to cover any eventuality. If you’re unsure, consider upgrading your policy to include towing. In case of an accident, you’ll need to have a back-up vehicle. Remember to stock up on emergency supplies, including food, water, and flares.
The breakdown provider may be able to help you if your caravan breaks down in case of an accident. Some policies will tow your caravan to the nearest garage, while others will take it to a campsite for repairs. However, some providers have restrictions on the distance they can tow. Be sure to know your policy’s coverage before setting out. Make sure you can pay the monthly premium before you leave home.
Where to Buy Caravan Insurance
Caravan insurance covers a wide range of issues, including theft, damages, and accidents. Comprehensive insurance is the most comprehensive form of protection, while at-fault accident coverage provides less protection. Make sure you know when your policy begins and ends, and keep a copy in your glove box. If you’re unsure if your current policy covers your needs, talk to your provider to determine the options available.
If you don’t have your own personal insurance, you can also cover your caravan through your own policy. Make sure you list high-value items in your vehicle, as the personal insurer may not be willing to pay for your expensive possessions if you’re in an accident. Many policies will pay to tow your caravan to a repair shop. You can also opt to purchase a dual policy to protect valuables, such as electronics. Many insurance brokers where you cover your car insurance will also be able to provide adequate caravan insurance.
Costs of Caravans Insurance
The costs of caravan insurance depend on a number of factors, including the value of the caravan, its safety and security, and whether the caravan owner has made any claims in the past. There are discounts available for a long-term no-claims history. These discounts can lower the cost of the policy if the caravan owner has a clean driving record for a minimum of three years. To get the best possible rates, it is advisable to compare insurance quotes.
Generally, caravan insurance covers the contents of the caravan. If the caravan becomes unusable after an accident, the insurer will cover the cost of a replacement caravan. It will also cover the cost of removal and delivery if the caravan or trailer is damaged beyond repair. If the caravan is more than 100km from home, the insurer will cover the cost of temporary accommodation. Premiums can be paid in instalments, but these may incur minor adjustments.