Home Caravan Insurance

When looking for home caravan insurance you have to look into the details of the policy very carefully. Some providers will add in many extras that could be useful and other providers might charge you extra for them. If you are using your caravan as your home away from home then you will have a great deal of belongings with you and it essential to know that these would be protected.

If you choose to take out fully comprehensive insurance you would get the most cover, however fully comp would be the dearest types of insurance in comparison to third party fire and theft. Fully comprehensive insurance would provide you with protection against fire, theft, accidental damage, storm and flood damage and recovery along with more features.

Home caravan insurance that comes with a good recovery and breakdown plan would be ideal when travelling around in the caravan for a long period of time. Usually a policy that includes this would provide recovery of both your vehicle and yourself and any passengers if the caravan was damaged beyond roadside repair. If you live in a motor caravan a policy would usually also cover the costs of having to stay in a hotel while your caravan was being repaired.

If you plan on travelling outside of the UK then you would need to ensure that European cover is included in the insurance policy you were considering taking out. Some providers will add this into the policy as standard while others might ask that you have this added in as extra. However, if you never leave the UK then look for cover that does not have European cover included as standard as this could save you on the premium.

When taking out home caravan insurance you can state the amount you want to protect your personal belongings for. This would include any items that are to be found in your caravan including items in drawers, cupboards, wardrobes and items such as awnings, tents and steps. Even the smallest of items would all add up to a large amount so do not forget about them when taking an inventory. If you carry bikes on the back of your caravan you would also have to check the terms of the cover to ensure that these would be covered also.
Check the terms of any policy you are considering taking, some policies might come with new for old replacement protection and others could come with wear and tear taken into account. New for old would supply you with brand new replacements for any items that were lost or destroyed. Usually new for old protection works out dearer than a policy that comes with depreciation taken into account.

Specialist home caravan insurance is essential just as choosing the right type of insurance is. If you are on the road for many months out of the year with your caravan then you need to know that you have adequate cover. If you have European cover in your policy, remember never to leave home without the documents and the helpline number that should be supplied with the insurance.