Caravan Travel Insurance Should Be Shopped Around For

By shopping around for your caravan travel insurance you can ensure that you get the best policy for your needs and the features that you need. Features will differ based on the provider so these would need to be checked as would the exclusions and limitations in the policy as all providers will include some in their protection.

When travelling around in your caravan there are certain features that you could need based on where you plan on travelling in your caravan. If you are travelling around Europe then check to find out what European cover is included in the policy. You would also have to check the limits as this can differ with some providers offering more days protection than others. European cover would allow you to make a claim on the insurance if you were to suffer a breakdown or be involved in an accident while touring. The policy would usually also provide benefit for you to stay in alternative accommodation if your caravan was damaged and you could not stay in it. Without European cover behind you these costs would have to come out of your own pocket and they could be a substantial sum.

Check to ensure the amount that would be paid out in the event your belongings were damaged or destroyed would actually cover them. The majority of providers will usually allow you to set this amount yourself but they might limit the amount for certain items such as awnings and windows. Usually you would have to work out the cost of your belongings and then insure for this amount. Therefore you would have to go around and make an inventory of the contents of your caravan which would include even the smallest of items. Providers will usually allow you to take out a policy that would give you new for old and some will take wear and tear into account. If you take cover that offers new for old then this is exactly what you get, brand new replacements if you should have to claim for your belongings.

There are ways that you can make savings on your caravan travel insurance. One of these is to boost up the amount of excess that the insurance company asks for. All insurance providers will ask that you pay a certain amount of excess before they will then take over the rest of the claim. By offering to pay a higher amount of excess you could keep the cost of insurance down but you would have to find this sum of money out of your own pocket as a cash lump sum. Should you have to claim on the insurance more than once in the same year you would probably have to pay out more than any savings you could make? You could also ensure that your caravan was as secure as possible while touring around. You could install door and window locks, an alarm to help keep down the cost of premiums as your caravan would be harder to break into. Even a smoke alarm could make a difference and help to keep down the cost of your insurance.