In most countries, especially in Europe, getting a caravan insurance is a legal requirement. It is because getting insurance for your static caravan adds an extra layer for your van and your family. However, with all the different companies offering different policies for their clients, finding the best insurance provider for you may be a bit of a challenge.
If you find that you are in a pinch on which company to choose, continue reading this article and find some of the things that you must consider looking for your caravan insurance.
What Coverage Should You Get?
There are many features presented in every caravan insurance policy. However, the availability of these features depends on who will use the caravan. Here are some of the most common features that you should consider:
Cover for the Family
When you are traveling with family, it is important that you get travel insurance cover for your family and yourself. Some companies offer higher cover levels for family insurance. It could be an additional cover for baggage, increased cover in case of cancellation, and more. Some family insurance covers may have restrictions such as age, condition, etc. so don’t forget to read the small print just to make sure. If there are restrictions, clarify it first before purchasing your insurance.
Cover for Valuables
In the case of theft and accidents, you can compare static caravan insurance companies and find which offers insurance for valuables. There are some who will not provide insurance for cash, jewelry, and other valuables that are not coverable by insurance. However, they may include appliances that come with the caravan.
Cover for Damages during the Storm
When you decide to get a static caravan insurance, you must consider the policy you are getting includes damages caused by storms. Some policies include damages due to flooding, harsh winds, etc. but depending on your location. Judging on where you stationed your caravan, companies may choose to waive this coverage, especially if you’re in an area prone to flooding, etc.
Cover for Accidents
Like regular car insurance policies, static caravan insurance must also include coverage for accidents. Even when you are posted in an area the travel you do to go there may still meet unexpected road accidents. You must make sure that your insurance policy includes this coverage as well.
You can choose to buy one of these covers, but it is better to avail for at least 2 or more. It will give you a better guarantee of safety. Some companies also provide lower premiums if you avail for more than one of their insurance policies.