Caravan Insurance, Campervan Insurance

By: EconomyWatch   Date: 26 May 2010

About The Author

EconomyWatch

The core Content Team our economy, industry, investing and personal finance reference articles.

EconomyWatch, Content Team

 

  • Dot Div
  •      


Caravan insurance covers accidental damage to your caravan and its contents. Nowadays, there are options even to cover a stationary caravan or one that is in tow. Damage caused due to adverse weather or theft is also provided with coverage.

A basic caravan insurance policy compensates for costs pertaining to the repairing of damaged parts. It may also provide another caravan which is of equitable value. It is also possible to buy medical and liability covers along with caravan insurance. Usually, the policy premium depends on the caravan’s date of manufacture or ‘age,’ its market value and the area where it is driven.


What Does a Caravan Insurance Policy Cover?

A standard caravan insurance policy cover compensates for the expenses incurred due to:

  • Accidental damage or theft of the caravan.
  • Repair of the permanent fixtures such as refrigerator, stabilizer and battery.
  • Damage caused by loading or unloading items on the caravan while on travel.
  • Financial liability due to damage incurred to another person's property.
  • Expenses on the paintwork if caused due to accidental damage.

    • As a rule, a general caravan insurance policy will not cover emergency accommodation expenses incase the caravan is not fit for use. This clause has to be additionally added and paid for by the policyholder. A caravan’s contents are usually insured separately. This is done under a different clause in the policy’s disclosure document. Another aspect to consider is that if the caravan is left unoccupied for more than a specified period, the vehicle’s insurance stands void.

    A medical cover clause in a caravan insurance policy is useful. It will reimburse all expenses pertaining to medical treatment in case of an accident. However, the medical cover is liable to strict restrictions and exclusions.

    What Aspects Are Not Covered in Caravan Insurance?

    The following aspects are not covered in caravan insurance:

  • Damage caused to a vehicle due to the driver’s negligence or failure to observe basic traffic rules.
  • Wear and tear charges such as loss to the tiers and rusty parts.
  • Expenses incurred due to mechanical failure, if not caused by an accident.
  • Expenses on electrical fittings in a caravan.
  • Modification in the structure of a vehicle or installing unnecessary accessories.
  • Damage due to an overloaded caravan.

    • Search on the Internet to select the most affordable caravan insurance and get online quotations. You can also opt for a policy which meets individual requirements.


    • Dot Div
    •      
    blog comments powered by Disqus