Caravans Insurance - Static Or Touring
When looking for caravans insurance there are two different types of insurance, static and touring insurance.
While each policy may cover some basic features for both, other features are aimed with providing protection based solely on the type of caravan you wish to insure.
Basic cover included in both forms · Contents insurance - your personal possessions along with other equipment in the caravan may be insured against loss.
Usually this includes damage or loss caused by fire or theft but some policies may also provide cover for accidental damage.
However, you do need to check in the small print of any policy to ensure you know exactly what is and is not insured, as each provider may add in exclusions.
· Your awnings and steps - these may be covered in both static and touring insurance but the provider usually sets a maximum amount that they payout towards replacing these if you claim.
· Public liability insurance - this type of insurance may provide assistance if a claim were made against you if a third party were to get hurt or die as the result of your actions.
This generally also applies to the property of a third party also.
What may be covered in static insurance? If you rent out your static caravan, you may want to check to find out if the policy includes protection for loss of rental.
This may come in useful in the event you were unable to rent your caravan out if it became damaged.
If you rely on your caravan as your income, you may suffer a great deal without this included in your insurance policy.
You may also wish to check if any patio, decking or railings surrounding your static caravan are included in your insurance policy.
What may be protected in your touring insurance? When considering your touring insurance and you want to travel around Europe, European cover needs to be considered.
Without this, you may have to stop and make arrangements at every border you come across.
You might also want to ensure, when looking for caravans insurance for your touring model, that your policy includes a payout for you to stay in alternative accommodation if your caravan was damaged to the extent that you were unable to continue your holiday.
While each policy may cover some basic features for both, other features are aimed with providing protection based solely on the type of caravan you wish to insure.
Basic cover included in both forms · Contents insurance - your personal possessions along with other equipment in the caravan may be insured against loss.
Usually this includes damage or loss caused by fire or theft but some policies may also provide cover for accidental damage.
However, you do need to check in the small print of any policy to ensure you know exactly what is and is not insured, as each provider may add in exclusions.
· Your awnings and steps - these may be covered in both static and touring insurance but the provider usually sets a maximum amount that they payout towards replacing these if you claim.
· Public liability insurance - this type of insurance may provide assistance if a claim were made against you if a third party were to get hurt or die as the result of your actions.
This generally also applies to the property of a third party also.
What may be covered in static insurance? If you rent out your static caravan, you may want to check to find out if the policy includes protection for loss of rental.
This may come in useful in the event you were unable to rent your caravan out if it became damaged.
If you rely on your caravan as your income, you may suffer a great deal without this included in your insurance policy.
You may also wish to check if any patio, decking or railings surrounding your static caravan are included in your insurance policy.
What may be protected in your touring insurance? When considering your touring insurance and you want to travel around Europe, European cover needs to be considered.
Without this, you may have to stop and make arrangements at every border you come across.
You might also want to ensure, when looking for caravans insurance for your touring model, that your policy includes a payout for you to stay in alternative accommodation if your caravan was damaged to the extent that you were unable to continue your holiday.
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