Hopefully no natural or man made disasters will happen on your holiday. But what if they do? Even if your holiday does not turn out as you expect, if you have the right protection in place for your own individual needs, your static or touring caravan may be protected.

The cover itself

The details of what is included in caravan insurance cover may vary between providers, but whether your caravan is a touring or static one the risks mentioned may or may not typically include:

• fire;
• earthquake;
• explosion;
• storm;
• flood;
• theft or attempted theft;
• vandalism; and
• accidental damage.

The details

When you are looking for caravan insurance cover, you may wish to check that the schedules on offer fit your individual requirements. For instance, if you have a touring caravan, do you take it abroad?

Continental insurance protection offered by different touring caravan insurance providers may vary according to the geographical limits of the cover they provide. You could for instance be limited to the amount of times you take your caravan out of the UK. Others may list the countries that you may visit.

You might have to provide your insurance provider with your schedule. Rather than cast a quick eye over it, it may be worth studying this document in some detail. After all, you may not have time when you need to make a claim!

You may genrally wish to verify the following:

• the level of the excess. An excess on an protection is the minimum claim an insurer may allow. If your caravan suffers damage that costs less than this amount to remedy, the insurer typically may not accept the claim Alternatively, if your caravan suffers damage that costs more than this amount to repair, you generally have to pay the amount of the excess in contribution;
• exclusions and limitations. Imagine how it would feel if your teenage children brought their gadgets with them on holiday, and they were stolen or damaged by an insured risk. However, if those gadgets are very valuable, they may be excluded from your caravan insurance. You may generally wish to check this point specifically – or get your children to if they insist on playing computer games on holiday!
• for a touring caravan, the insurance cover may not extend to damage causing while you are towing it. if worried about this then check.

Safe and secure