Caravan Insurance Top Tips For Happy Travelling
July 24th, 2009. Published under Insurance. No Comments.
Whether you choose to holiday in a static caravan, take to the open road in a touring caravan or choose to live in a static home, caravan insurance is a vital aspect of personal property protection. There are many different types of insurance available. Some policies deal exclusively with contents, others protect the caravan structure itself and some parks for holiday homes offer an incorporated insurance policy for residents that cover the pitch too. Here are some top tips for making sure you are properly protected when choosing caravan insurance.
There are a variety of risks to consider when choosing a caravan insurance policy, and the type of cover you decide to purchase ultimately depends on how you choose to use your caravan. Contents insurance for example can cover all your personal goods from fire, theft and flood damage as well as protect the soft furnishings in the caravan.
If you are planning to live in your caravan, having full cover is essential, but if you plan to only use it occasionally, you may only need limited insurance by ensuring that all valuable items are removed when the caravan is unoccupied. To protect soft furnishings such as mattresses, seating and curtains, there are some simple procedures that should be followed.
When vacating the caravan for winter ensure that all water pipes are drained. Water damage to soft furnishings is most commonly from burst pipes from undrained systems. Because the majority of caravans are empty during the winter months when burst pipes occur, there is usually no one to find the leak until the damage is done.
Disconnecting gas bottles is also essential to prevent a fire or explosion. No matter how sure you are that the gas taps are off on the internal appliances, turning off the regulator and storing the gas bottles correctly can prevent a damaging and potentially catastrophic accident. There have been claims on insurance policies for damaged caused after a gas bottle explosion when a careless caravan park resident accidently cut through a gas bottle hose with a lawnmower.
Thankfully the caravan park was well insured as were the caravan owners. No matter what precautions caravan owners take, accidents happen. It could be due to the carelessness of a visitor or the effects of stormy weather. As such, all caravan owners should protect themselves from costly caravan payouts. If in doubt about which caravan insurance policy to purchase, consult your local caravan park or speak to an insurance professional.
Dom Donaldson is an insurance expert.
Find out more about Caravan Insurance at http://www.nacoservices.com