Your caravan insurance cover benefits

When taking out caravan cover you may be tempted just to go with the cost of the cover when choosing your policy. If you just take out a policy based on cost alone then you may be in for a shock in the event that you claimed on the cover and found out that you were under insured. With this in mind you may wish to give thought to the caravan insurance cover benefits more to ensure you have adequate protection.

What are the typical benefits to taking out protection?
There are different benefits the caravan owner may be able to enjoy depending on the type of caravan you own. Choosing the right type of cover is essential to make the most of these benefits. For instance if you have a static caravan you do not want to take out caravan insurance that includes European cover as of course this is aimed at the touring caravan owner.

Usually your caravan protection may include the benefits below, however this may depend on the type of policy chosen and the level of cover you choose, so always double check and never assume that what you think is covered is actually covered.

• cover against the possibility of your caravan or the contents of the caravan being destroyed or damaged by fire;
• cover against the elements such as flooding or lightening;
• protection for the caravan itself by way of a brand new replacement providing certain criteria is met;
• European cover for your touring caravan to stop you having to apply for protection at the border of each country visited;
• liability protection for third party damage with your touring caravan and for injury caused to holidaymakers renting out your caravan;
• a loss of rental income for owners who rent out their caravan to others;
• breakdown insurance for your caravan and benefits towards a stay in alternative accommodation in the event your caravan is taken for repairs

Improving security to keep down the premiums
You may wish to boost the security of your static or touring caravan to help to keep down the premiums of your caravan insurance cover. A good quality alarm on your static or touring caravan may deter thieves and help you to keep down the cost of your insurance. Always check to find out if your provider offers discounts for extra security measures when comparing premiums.