Insurance for caravans can be found online with a specialist broker and by choosing this option you can make some great savings on a policy. There are many different factors that have to be compared when looking to take out insurance. Some providers will include features as standard in the cover, while others would ask you add them on at extra cost, so check the small print that comes with the policy before taking it out.
Fully comprehensive is one of the dearest forms of insurance for caravan; however it also provides the most complete cover for your vehicle and for any third party that should be involved in an accident. The insurance would usually include medical and legal insurance for both yourself and passengers along with the third party.
However there could be limits as to the amount the cover would payout so you would have to check for this.
The majority of insurance for caravan would payout for fire, theft, accidental damage, windscreen cover, and flood and storm damage. However the provider could include many others while some providers would ask that you pay extra. One of the features would be European cover, some providers might add this into the policy as standard and others allow you to have it added on for a little extra. Having European cover is essential if you are planning on travelling outside of the UK, however if you do not need this then look for cover that does not include European cover as it can save you money on the cost of the insurance.
When you compare insurance always check that you are comparing policies on a like for like basis. For example, one policy might offer to payout new for old and this would mean as the name suggests that you would get brand new replacements for your items. Another policy might payout and take wear and tear into account. If you were comparing the two then you would not get a fair comparison. With this in mind, always check the terms offered by the provider.
When insuring the contents of the caravan, always take an inventory. You should not forget the small items such as kitchen utensils as even the smallest of items when all added up together can soon add up. The amount you get to would be the sum of money that you would want to insure the contents of your caravan for in case you should lose them all. When considering this take into account such items as awnings and steps which would have to be replaced if they become damaged or stolen and which could be costly.
When comparing any insurance for caravan policy, check to see if you would get a brand new replacement for the caravan if it were to be written off by the insurance provider. Some providers would give a new replacement vehicle providing it met certain conditions. For instance if the caravan was under a certain age or you had travelled under a certain amount of miles with it, however again this would depend on the provider you chosen to take out your insurance with.