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Whether the caravan you own is static or if it is one that you can attach to your motor vehicle you should make sure it is insured just as you would a house, car or business. I would like to tell you what caravan insurance will cover you for and which kinds are available so you can choose one that is right for you.

The first thing you will need to think about is whether your caravan is to stay in one place or if it is a touring one that will be taken all over, this will greatly affect the type of insurance you need and your premiums. Think about the items you will be keeping in the caravan in the long and short term so that you will be able to give prospective insurers an idea of how much coverage you need for personal belongings.

Static caravans tend to also have outdoor furnishings and awnings added and as they are easily removed by dishonest people you will want to make sure that they are covered by your insurance also. You should ask your insurer whether this is something they will provide and of course ask at what cost.

If your caravan was to be stolen then you need to decide whether you want to be covered so that you can get a new caravan for your old one then you may have to pay extra on your policy, however it will be worthwhile if you can afford it. You can also get a policy that will pay out the current value of your make and model of caravan.

It is worthwhile making sure that you have caravan coverage. This will ensure that should any accidents occur, whether on the road or when the caravan is static that you will be covered. It will also make sure that your belongings are covered whether you are at home or away.

The coverage is also great for those who live in their caravans full time. This is because it is usually harder to secure your caravan in the way you can a house or apartment, so you will want to make sure if there are any losses you are able to claim them back.

Caravan insurancecaravan Insurance is one of the most necessary aspects that you need to get in this day and age. There are tons of advantages that you can look into when you get this kind of Insurance.

If you are anything like me, your getting on a bit and you probably think you’ve seen the last of your summer music festivals with sweltering and uncomfortable tents as your only place to sleep. However, if you’re still into your music (I particularly like early 70’s bands like Soft Machine and Caravan) then you could always bring your motorhome (or someone else’s) along to a music festival and enjoy the music and the atmosphere without the rough sleep under canvas. You can listen to Caravan in your caravan!

Many people prefer taking a motorhome with them to festivals rather than the traditional tent camping because with a motorhome you get the best of both worlds, i.e. you get the comforts of home living like a cup of tea in the mornings, a warm, comfy bed to sleep on and most of all, a shower! As well as all this, you also get the atmosphere of the music festival and the thrill of the live music.

Many owners of motorhomes rent out their motorhomes for events like this because they know that lots of people enjoy music festivals but don’t look forward to the camping, however what a lot of them don’t realise is that doing this, while perfectly legal, is usually not covered under a standard motorhome insurance policy.

A distinct memory of last year’s Glastonbury festival was of a couple leaving their motorhome having had their breakfast and prepared for the day, only to return later in the day to find that one of Glastonbury’s infamous rain storms had weighed down the awning outside it and caused it to bend and break meaning it was more or less ruined. This would have been probably over 1000 worth of damage and if they had hired the caravan without letting the insurance company know, then it would be completely uninsured.

If you are thinking of letting your motorhome go to Glastonbury or any similar music festival this year, is well worth thinking about insurance.

So if you’re thinking of letting out your motorhome to family or friends for them to take to a music festival or anywhere really, the best way to go is probably to have them added to an existing insurance policy for the duration of their trip. This will allow you to relax at home safe in the knowledge that your motorhome is being looked after and even if it isn’t, that you have the right insurance to cover it.

If you are on the look out for motorhome insurance then you should check out Coversure, they are among the leading providers of all kinds of vehicle insurance providing everything from basic car insurance to caravan insurance This and other unique content ” articles are available with free reprint rights.

I read an article in Insurance Times a few weeks ago where the financial ombudsman had said that he would support a policyholder against the insurer, excluding claims for leaving keys in or near a vehicle. I then wondered if the same would apply to a motor home.

On a recent motorhome holiday my family and I had had a late night playing cards and when we eventually turned in, we were all very tired and so we woke up the next day already late for our arranged meeting with our friends and fellow motor-homers the Wilsons. Then of course we had the morning rush and the queue for the shower and by the time we were ready to leave our friends had decided to explore the countryside without us.

I then realised I had no idea where the keys were so I looked for them, and couldn’t find them. My family then joined in the search and in my usual calm and patient manner I accused each family member of stealing them, then moved on to accusations of half-hearted searching before finally accepting my son’s version of events which was that aliens must have come from mars and stolen the keys to our motorhome. So I then went to the cab to get my mobile so I could call my insurance company for help. I was stranded in a field with a grumpy family and to make matters worse, it was about to rain.

There, sat in the middle of the cab, next to my mobile phone were the keys! I had left the keys to my pride and joy on display in the cab, and I couldn’t help but wonder if the motorhome would be insured if it had been stolen under these circumstances, and so my mind wound its way back to the Insurance Times article.

If my motorhome had been a car the ombudsman would have considered

Location

Was I in a position to deter a thief

Was I recklessly ignoring the risks

Mitigating factors

Whether I knew about the exclusion in the insurance policy

I would like to think that this form of insurance pragmatism would have applied to me and my motor home. I think that by using an insurance broker there is a lot more chance of getting the right insurance policy for your motor home

For a class leading service in motorhome insurance contact Coversure insurance. Their motorhome insurance is unmatched by other companies and you’ll leave with the peace of mind that you need when you’re on your holidays. Get a totally unique version of this article from our article submission service

Chester Cooke was excited by the prospect of buying a caravan on the banks of the River Avon, not far from Stratford, on a professionally run, well maintained and gorgeous site with lots of amenities. Being a diligent kind of chap, he looked into all of the potential issues, after all you can’t be too careful with the thick end of twenty grand plus annual service charges, which didn’t include insurance for some reason.

Chester then called his broker and explained to him that he was looking for some caravan insurance. His broker then told him that he would be more than happy to find him a quote, and so Chester gave him the details of the caravan such as the size, type and value, as well was where it would be situated.

A few minutes later, the broker called Chester back and said that unfortunately he was not able to find any insurance companies that would offer him insurance, not because of the caravan itself, or even the site that he had chosen, but it was to do with the exact spot that he had chosen. It was right on the bank of river Avon, which had flooded the year before, causing a massive number of insurance claims on the grounds of water damaged property, and so now insurers were very wary about insuring caravans that were right on the water’s edge. This meant that if Chester really wanted the caravan, and he wanted it right there, it would have to be at his own risk.

This news meant that Chester could not have his caravan exactly where he wanted because it was quite likely that the Avon would flood again at some point in time and he could not afford to have a caravan there without it being insured. He asked his broker about other “normal criteria” for caravan insurance so that might continue pursuing his plans to buy a caravan.

In terms of insurance, the ideal caravan site should be a registered CaSSOA site, this is because these sites have security standards that all caravans must meet. If the caravan is to be placed less formally, for example, on a farm, then the caravan should have its own compound with a defined perimeter. Some insurance providers insist that a caravan site has a minimum number of caravans. A sort of, “safety in numbers” logic. Another thing to look for in a caravan site is a defined boundary that is secure and would not allow uninvited people to come and go as they please.

Chester hadn’t thought that insurance would be such an important consideration when he was buying his caravan. He was grateful that he had a knowledgeable broker who could give him all this education and he was definitely going to check it all out again before finally taking the plunge and buying a caravan. After all, he just wanted to enjoy his caravan and the insurance was only to take the worry out of the ownership.

Caravan insurance is one of the most important factors to take into consideration when thinking about buying a caravan. Coversure are a leading provider of caravan insurance and can offer you advice, or a quote to insure your caravan You can get a unique content version of this article from the Uber Article Directory.

There is a rather oddly titled album by the 1970’s rock band Caravan called “For Girls Who Go Plump In The Night” now I know that this is not the kind of thing you would expect an insurance man to be writing about or even to know, even if he does own one (a caravan I mean!) An insurance man in a caravan is quite possibly not that uncommon, but an insurance man in a caravan listening to Caravan? Surely Not?!

I can’t remember exactly what got me thinking about this, but I think it’s to do with when I was looking over some photos from last year’s Glastonbury festival the other day and I noticed the sheer amount of caravans there in one outfit or another. Of course, being an insurance man, I immediately began thinking about the cover that these caravans may or may not have had and whether or not the underwriters knew exactly what they were being used for.

Caravans were being used for almost everything you can think of that needs a sturdy shelter, i.e. people were living in them, some were being used as resting places for tired musicians, some were being used for paid showers and some were being used shops by refreshment vendors, and I still mean proper caravans, not mobile catering units.

Over in the camping fields there were caravans sheltering security staff from the rain, acting as the temporary weekend home for ageing rockers (some may have even been fellow caravan fans who knows?) and as the meeting point for lost festival goers.

Of course, another big user of caravans at music festivals are the musicians themselves. They usually have massive ones with an extra wheel at the front for steering and they use them for changing in, for hosting after-show parties in and doing whatever it is that rock-stars do.I dread to think. Saying that, I’m not sure if Caravan ever used one, that’d just be too good to be true wouldn’t it? Caravan in a caravan listening to their first album (which is called, you guessed it, “Caravan”). Or even better, maybe they went along in a convoy with their friends – a caravan of caravans including a caravan with Caravan in it, listening to Caravan!

But anyway, before I started ranting about rock-stars in caravan convoys I was thinking about whether or not these caravans had the correct insurance cover and lets be honest, the answer is probably not. If you are considering taking your caravan along to a festival this year then it is well worth thinking about getting proper insurance cover for it. Caravans can be damaged in all kinds of ways, especially at festivals where the fun loving, free-partying atmosphere can sometimes cloud people’s better judgement and out of control festival goers and crowds and the like can do a lot of damage to your caravan, whether it is intentional or not. It could simply slide off on its own if the mud gets too wet, they can flood, catch fire, get blown away, and almost anything you can think of can happen. Fortunately you can insure caravans against more or less anything that could happen to it, even if it gets rammed into by an uninsured caravan being used as a refreshment stand!

Coversure are leading providers of caravan insurance if you are thinking about taking your caravan to a place where it would be even remotely at risk, you should think about looking into some caravan insurance just to be safe. Get a totally unique version of this article from our article submission service