Caravan Insurance For Peaceful Holidays

Caravans, almost exclusively, are used for holidaying – which is technically supposed to be a relaxing time. Relaxing, that is, until something goes wrong with the thing, or someone breaks into it, or the vehicle hitch breaks at 60 mph and the van is planted into the back of a speeding lorry. Caravan insurance is absolutely necessary, if one is to get the relaxation and enjoyment they were designed for out of them.

Insurance for caravans is a fairly specialty area – there are several distinct “strands” of possible misfortune associated with vans, which make them fairly unique and hence subject to more complex insurance requirements. That said, caravan insurance companies have developed some pretty substantial standardised packages that take care of the most common eventualities. A person can purchase insurance for his or her caravan that, while tailored to its individual circumstances (storage location, type of van, frequency of use and so on), also ticks all the basic boxes. Those boxes are ranged thusly: automotive type insurance, which covers a caravan owner in the event of accidents caused by or involving his or her van whilst on the road; domestic type insurance for caravans in situ, either located at their holiday “mooring” or parked in a drive way; and the insurance requirements that need to be met when covering something that gets moved around on someone else’s property.

Caravan insurance packages will protect a van and its owner from the following (all of which ought to paint a pretty conclusive picture persuading owners to get the best insurance they can find): damages brought by another party against a van owner for damage, injury or death caused by their caravan; damage sustained on the part of the van owner in an accident; theft of the van, or theft of articles from the van; accidental or deliberate damage to the van; damage cause by the van to another property; fire; weather damage; damages arising from weather damage (including damage to other people’s property in the event that rusted stabilisers cause the van to fall over). All of these things happen commonly to caravans and should be written in to any insurance for caravans purchased. As noted earlier, individual circumstances will also be considered, in exactly the same way that home circumstances affect the premiums on one’s contents insurance or vehicle cover.

Given that caravans are used most often away from home, where any incident requires immediate attention (it’s not as though a broken van can be ignored until a more convenient date, when that van is crippled in the middle of nowhere), caravan insurance of the best kind is pretty much a no brainer for any sensible owner. Why take the risk of buying an inferior or non-comprehensive policy when the times one most needs to use it are likely to be far more pressing than a simple automotive prang? Insurance is as insurance does – it gives peace of mind where peace of mind is most needed. Insurance for caravans should give more than most.

By: NACO Services

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NACO gives advice and guidance on caravan insurance, insurance for caravans and caravan ownership.