The Fundamentals Of Uk Caravan Insurance
So, you've spent thousands of pounds on a touring caravan
, but because you only intend using it for a few weeks each year, you can't seem to justify the cost of getting it insured? Of course you'll make sure you're legally insured when the time comes for going on holiday, but why bother otherwise considering its parked safely in your driveway?* According to the British Home Office, there are approximately 1600 touring caravans stolen in the UK every year. Other sources such as the AA for example, tend to put that number at closer to 4,000 per year.
* Only 1 in four stolen caravans are ever recovered by the authorities.
Is caravan theft really still so common? The answer is yes. In fact, there were four men sent to prison on March 10, 2010 because of their involvement in a string of caravan thefts. While having caravan insurance doesn't guarantee you that you'll get you caravan back in the event that it gets stolen, it does mean that you'll either get a brand new replacement, or else you'll be paid the market value, depending of course on the type of policy you choose.
If you have a touring caravan then you'll no doubt be spending quite a bit of time on the roads with it and this of course means it will be vulnerable to all the associated risks involved, such as collisions for example. Many caravan owners have also had their caravans severely damage because of strong side-winds and in most cases, when a caravan gets damaged while on the road, the damage is severe.
Static caravans also have their own set of risks, so just because you won't be taking yours on the road, that doesn't mean you shouldn't consider taking out caravan insurance. For example, your caravan could be sitting on a site which is far from your home, in which case you won't be able to keep your eye on it. If it starts leaking during the continuous rainfall just imaging how bad the damage will be by the time you discover it.
If you decide to rent it out then that also comes with a whole new set of risks, because how can you really be sure the tenets aren't destroying it?
If you own a caravan then it's essential that you make sure your insurance covers the contents of the caravan. Not only is there a risk of having all the contents stolen, but if you're ever involved in a collision, there's a strong possibility that most of the contents will be badly damaged. With that said, you need to read the small print carefully regarding contents cover or else you may one day be bitterly disappointed if you ever need to make a claim.
Considering that there are approximately half a million registered caravans in the UK, finding affordable caravan insurance is no longer as difficult as it once was. In fact, there are several specialist companies capable of providing you with all the cover you need and considering it's a buyer's market, rates have never before been so competitive.
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