If you are looking for caravan protection, it may be that membership of a caravan club may get you caravan insurance at a discounted rate. You do not have insure your caravan with the club itself – mainstream insurers providers may offer lower rates for club members.

So what might the caravan coverconsist of?

Definitions

When comparing insurance the policy might begin with the terms and conditions. Rather than being a mere formality, these provisions may be important so you may wish to check these to make sure that you are happy that you understand the cover wordings.

Details of the cover

Your caravan insurance policy may then explain what the cover entails. For instance, your insurance may set out the risks that the policy may pay out for damage. Theft, storm, and fire may be among the risks that may or may not be commonly covered.

The insurance cover may also detail what may be included from the point of view of contents. For touring caravan insurance, you may wish to pay close attention to your insurer’s stance on awnings if you have one attached. The treatment of these may vary according to whether you are inside the awning at the time the insured risk (eg. a storm) strikes.

Exclusions and limitations

There may be exclusions in the insurance policy. For both static caravan insurance and the touring variety, you may wish to pay attention to an insurer’s treatment of contents. More particularly, expensive items that you may wish to take with you may be subject to a limit on how much may be paid out for a claim.

Whether or not you are a member of a caravan club your caravan protection provider may expect you to maintain your caravan properly, so do bear this in mind because an insurer may not pay out for damage caused by wear and tear that has been neglected.

Excess

If you have say car insurance then you may be aware of something called the excess. But the concept is usually universal to many types of insurance.

Whether or not you benefit from a discount from being a member of a caravan club, your caravan insurance may tell you the minimum value of claims that the insurer may consider. If your caravan suffers damage beneath this amount, the repair bill may be up to you to meet from your own pocket. If you have a claim over this amount, you may have to pay what is due up to the excess and the insurer may meet the rest of the claim.

Claims policy

Finally, both you and your insurer hope that no one in your caravan club needs to use the caravan protection claim process. However, familiarising yourself with it may be wise to ensure that you know what to do should the worst happen. Why not go a step further and put a copy of the protection in a safe place in your caravan just in case?

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