Holidaying with the family in a caravan is a very popular way for many British people to get away from it all at the drop of a hat, with many thousands going caravanning in the UK every year. Plenty of families decide to tour the English countryside taking in the beautiful scenery, while others like to spend the weekend in a well facilitated caravan park. The amazing fact is that almost two thirds of these caravanners risk their holiday with absolutely no caravan insurance whatsoever. 

While there is no legal obligation or requirement of you to insure your caravan, the cost of having to repair or replace any part of your caravan or the contents you take with you through accident or theft can be an emotional trauma for some, an experience easily avoided with simple caravan insurance policy. Before buying caravan insurance it is important to be fully aware of all of your coverage requirements because while one insurance company can provide a similar quote to the next, provisions and exclusions can and may differ entirely. 

Some Important Points Worth Considering…

When it comes to deciding on what level of caravan insurance you need and what adequate provisions to take there are some important elements that it is definitely worthwhile thinking about. The first consideration is the location or area you decide to take your caravan. Q? Are you staying in the UK or travelling abroad to Europe? The second issue to chin stroke over is what if any contents or equipment you are going to take with you and whether you need contents cover for them. The third point to mull over is what safety and security measures you either need to take or couldn’t do without. These elements are all important and if you are not covered for them you cannot claim.

In Which Location or Area/Country Will You be Caravanning?

Some caravanners are happy and content to restrict their roaming to the pleasant pastures of the British countryside, electing to stay within the UK and not venture outside the borders of Blighty. Other more adventurous motor caravan enthusiasts prefer to cast doubt to the wind and take their chances on the sometimes scary and often bewildering driver behaviour of our quirky and often rule-breaking European counterparts. While driving on the continent doesn’t faze some people, your caravan insurance company may have a different view on this and this may affect your premium accordingly. Be sure to check with them about any provisions or nuances that travelling in the UK or Europe may bring to your policy coverage. 

Do You Need Additional Contents/Equipment Cover?

Some people take camping equipment and other personal equipment such as televisions, microwave ovens and other electrical items with them when they go caravanning in an effort to try and make their mobile holiday home away from home as warm and as homely-like as they possibly can to make their time away more enjoyable. If you are considering taking personal belongings or equipment make sure that you check with your caravan insurance company as to whether personal belongings are automatically included within your policy, or if you need to add them as additional cover on your policy. 

What (if any) Safety & Security Precautions Should You Take?

Again with different caravan insurance companies you will find differences in their policies. Some will cover you without you having to take out additional security measures while others will insist on a minimum amount of security (e.g. Alarm or Wheel-Lock) before they will insure you. A good caravan insurer will give you discounts for adding additional security measures and if you think about it, why would you not take the extra sensible precautions anyway?