When it’s time to renew your caravan insurance it’s easy to be tempted by big shiny headlines offering you cheap insurance. It is important that you understand what precisely is on offer, otherwise you are unlikely to find the policy that suits your needs adequately.
So it is important to bear a few things in mind:
- it may be cheap to buy, but if it doesn’t cover you properly then it may turn out to be very expensive.
- people use their caravans differently, and as a result have different requirements for their caravan insurance, so the price needs to be viewed in this context.
You will also find that the insurance providers will require you to take certain measures to reduce the risk of your caravan getting stolen and/or damaged, among them may well be:
- a requirement to use wheelclamps and/or hitchlocks to prevent theft of the caravan. You will probably find that a wheelclamp is required if your caravan is unattended, however if it is both unattached and unattended you will probably also need a hitchlock.
- a requirement that if you have an awning and leave the caravan unattended it will need to be securely stored. If you don’t and the awning is damaged in a storm you will probably find that the damage will not be covered by the insurance.
You may find that your caravan insurance may not be the cheapest you can locate, but don’t make the mistake of going down the false economy route. Make sure you have adequate coverage before you part with your hard-earned cash, because you often get what you pay for.
