photo credit: sapheron
Insurance is one of those things that we all hate paying for. This means that some people are reluctant to invest, particularly if they’ve got static caravans where insurance for road use isn’t necessary, but failing to have adequate insurance in place can be a big mistake. The number of caravan insurance risks means that you shouldn’t even consider not having cover, and when you start totting up the value of everything you’ll soon see why.
Caravans, like everything else, are subject to theft, either of the caravan itself (if a tourer) or of the possessions held within it (either kind). This means that insurance should be at the top of the agenda, because with the cost of everything quickly adding up you could easily lose out should the worst happen. You wouldn’t even think about not insuring your home, so why treat your caravan any differently?
Then you need to think about the more general risks that can present themselves, and if you’re located on year-round campsites then this becomes even more important. Caravans are at huge risk of suffering from environmental damage be it through flooding, falling trees, frozen pipes and plenty of other potential threats, and the cost of repairs can be extortionate. Your caravan could easily take up a huge chunk of your savings, so it makes sense to be prepared for anything that could happen.
You have to ask yourself this – can you afford NOT to insure your caravan? You’ll soon realise that the risks are far too high for you to even consider foregoing insurance, because with your finances on the line the losses could be huge. With the number of caravan insurance risks to contend with you’ll be well advised to invest, so always arrange adequate cover and you’ll have the peace of mind that you need.
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