Caravan insurance is not entirely different from your standard car insurance. There are few vehicles that need insurance more than caravan. They are large, we usually take them to unfamiliar places and they are mostly outdoors battling all sorts of weather which makes them vulnerable to damages. If you decide to get insurance for your caravan, here are the eight basic things that you need to know about caravan insurance.
- Caravan insurance is not required by law.
Insurance is not a requirement when owning a caravan, but without insurance you will not be protected from damages or theft. Even though caravan is not required, it is worth considering since the alternative is costly when something untoward happens to your caravan or when your caravan caused some damaged.
- A standalone specialist caravan policy will cover for the damage and theft
A standalone specialist caravan policy will cover the following:
- Theft outside your home
- External damage whether moving or stationary which happens outside your home, at a campsite or at public places. With standalone specialist caravan policy you will have better Mandurah caravan repair centre
- Accidental damage inside the caravan
- Public liability (you will be covered when your caravan injures someone or causes damage on other’s property)
- You can turn annual insurance cover into summer- only cover
If you only use your caravan on summer you can turn your annual caravan insurance into summer – only cover, but it comes with risks. The risk? You will be unprotected when you something happen to your caravan during the time you don’t have insurance.
- The home contents insurance will only cover your possessions inside your caravan
You can have an add-on called home contents insurance which will cover your personal possessions. These personal possessions would include your clothing, jewellery, computer and gadgets. However, furniture, appliances and kitchen equipment, and bedding are covered.
- Too heavy caravans, it won’t be covered by caravan insurance.
If your caravan weighs more than 3,500 kilograms it won’t be covered by insurance. Most of the caravans only weight about 1,500 kilograms, so if you have an average caravan you don’t have to worry about the weight limit. To be sure check your caravan details which you can found in the handbook, and in your caravan documents.
- Keep it locked up in storage to reduce insurance premiums
Where and how you store your caravan can have a significant difference in your insurance premiums. You can keep your caravan at home or store it in dedicated caravan storage. Employing some security measures can also help in cutting insurance costs.
- Install towing mirrors
Law requires that you should be able to see 20 meters behind your towing caravan and 4 meters on both sides. Installing towing mirrors can help in ensuring that you are more aware of other vehicles on the road.
- In case of theft, notify the police
If you caravan is stolen, notify the authorities and have your caravan registered in the stolen car registry. This allows you to register your stolen caravan, and there is a better chance that the police will recover your caravan.