Accidents happen when we least expect it, and it is the last thing you want to imagine when driving or living in your caravan. You probably got your caravan insurance to avoid thinking of any potential problems while you are on the road, and now you hit the crossroad, wondering if it is a significant investment or just another expense you can live without.
If you own static caravan insurance and you are thinking of taking it out either for a full closure or a possible renewal, there are things you need to consider first. These reminders will help you make the best decision for your insurance needs.
It is Not a Requirement
You probably know by now that caravan insurance is not mandatory. Under the law, caravan insurance is not a legal requirement in the UK, so you have the freedom not to get one. However, not having one will leave you solely responsible for all the repairs and replacement needed following a theft, accident or storm damage. Also, your car insurance will not cover any damages that your caravan will get when you are involved in a car accident.
Caravan insurance does not come cheap, so it is crucial that you check first the coverage you are getting before purchasing one for your caravan.
Understanding Your Caravan’s Risks
Simply put, caravans are prone to many risks. For one, it is a large and awkward mobile that can be challenging to handle, especially when you are not used to dragging extra weight at the back of your car. You are in bad luck when you accidentally detach your caravan on a busy holiday season.
Arriving in your destination does not put an end to potential accidents. Your caravan can get towed while you are off having a swim or stretching somewhere. Moreover, breaking in a caravan is easier than breaking in one’s home, which puts you and your belongings to greater risk.
Minimising the Risks
Of course, there are things you can do to make the whole unit more secure. You can install alarms and surround it with immobilisers. Luckily, the newest versions of caravans also come with built-in security features. You can also attach a tracking device on your caravan to make its recovery more manageable in case it gets stolen. If you want to make it harder for thieves to steal your caravan, why not install wheel locks or hitch locks to it? That will make the stealing part difficult for these thieves.
The Type of Insurance You Should Get
There are three types of caravan insurance you can get in Frank Pickle Insurance.
We offer static caravan with tailor-fit policies to cover a static caravan’s unique requirements. Any damages, theft, or issues that your caravan will encounter during its parked days are covered.
The motorhome breakdown covers you in case your motorhome experiences malfunction or failure when in transit. If you plan to tour abroad, the motorhome breakdown cover option from Frank Pickle Insurance can cover your European journey for up to 120 days.
We also offer a protection plan against financial loss if your vehicle got declared a total loss.
Each insurance has its unique inclusions and exclusions so carefully study your options before making a decision. Double-check if things such as the vehicle contents are included in the coverage, or if the insurance provider covers any damage encountered while towing the vehicle.
A caravan is a huge investment, and it is only normal to protect your valuables by getting the right insurance cover. Before deciding to take out your caravan insurance, make sure you can handle any issues or damages you can potentially have once you start driving or using your caravan again.
Do you need static caravan insurance for your caravan in the UK? Frank Pickle Insurance has been providing insurance protection since 1960 and has been the leading caravan insurance broker since then. We have different products to ensure you get the coverage you need. Get a free quotation from us today!