Whatever stage of life you begin the touring caravan life, that feeling of waving goodbye to conventional trips and getting out on the open road in a touring caravan is hard to beat. It may have taken years to save up enough money to buy one, and then you had to wait until you had the free time to go travelling, but now you are so close to being ready to go.
Apart from the caravan, yourself and any family or travelling companions, and perhaps a few clothes and some personal hygiene products…there is one crucial ingredient which you will need, to give you the freedom to really enjoy this great lifestyle. This is insurance for touring caravans. And like it or not, getting to understand it well will mean that you can find the balance of the best touring caravan insurance cover and policy cost.
Touring Caravan Insurance-The Main Ingredients
An insurance for touring caravans policy will have several elements to it, and you are advised to familiarise yourself with all of them. The main areas are contents insurance, public liability, loss and damage and continental use for when you go abroad. There will also be excess payments and exclusions to be aware of.
Damage and Loss Cover
This deals with either damage to, or loss of the caravan. Caravans up to 5 years old should qualify for “new for old cover” which is when new caravan/parts are provided.
When the caravan is older than 5 years, then it is normally the “market value” cover which will come into play. In other words any replacement will be calculated according to the current market value of the caravan.
Personal Effects and Contents Cover
This is something that can be opted in for or not at case may be. Traditionally this aspect of cover can be rather restricted so never assume what your contents or personal effects are in your opinion, always check and double check the small print!