Most people get car insurance because it is required. Now, although getting a caravan insurance is not a legal requirement like regular car insurance, you may find that it is still necessary. It is because caravan insurance provides an extra layer for your hard-earned investment. Caravans are not exactly cheap and getting insurance for it is not exactly a lost cause. In fact, you may see that in some cases it may become necessary.
What Does It Cover?
Caravan insurance provides benefits like car insurance but with more additional perks. Before you choose the best insurance policy, you must first carefully consider what coverage you want to have. Here are some of the covers that you may get in your insurance policy:
Damage due to storms and floods
One of the covers offered by a caravan insurance is a cover for damages caused by storms or floods. However, some companies offer this coverage on a case-to-case basis, mostly depending on where you station your caravan. If you are in an area that is highly prone to floods, a caravan insurance company may choose not to include this cover in your insurance or may choose to charge higher premiums for this. So, to keep it safe, choose a place that is not flood-prone.
Theft and Robbery
Whether a theft attempt is successful or not, most caravan insurance companies offer it as part of your insurance. However, others may offer some restrictions such as bringing of highly covetable valuables like expensive jewelry or a lot of cash that may cause the attempt in the theft.
Cover for accidental damage
Accidents occur unexpectedly. Insurance companies will cover for damages caused if proven accidental and not intentional. You must clarify the terms of this coverage though because some companies may choose to offer this to the direct owner only and not when other family members or friends use the van. You can compare the different offers and quotes of different static caravan insurance firms through here www.comparestaticcaravaninsurance.co.uk/. Make sure to inquire the details as well.
Fire Protection, Vandalism, Riots, and others
Insurance companies may also offer fire coverage in your policy if it is proven accidental. If you are trapped in a riot or suffered vandalism, your policy may also include it. You must arrange an agreement with your provider on this and clarify if there are any restrictions or additional premiums.
If you choose to get a static caravan insurance, you must make sure that you know all the details that your policy contains. If you can afford to do so, you can add more covers so that you can be safer for your trip. Lay down your concerns with your provider so that they can provide suitable options for you.