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Posts Tagged ‘Touring caravan contents insurance’
Getting insurance for a touring caravan itself may be vital but owners also need to think about the contents of the van as well as the vehicle itself. If you are taking your caravan off on a long touring holiday or even just a short weekend break, you’ll have some of your own stuff in there. You may not keep it in your caravan while you’re not using it but, when you are, you may need touring caravan contents insurance.
Some caravan owners only concentrate on insuring their caravan in this instance. After all, replacement and repair costs may be hard to meet and most touring caravan policies may be weighted towards the vehicle. But, how much might you lose if:
• There was a fire in your caravan and your contents were damaged?
• Someone broke into your van and stole some of your stuff?
A basic caravan only policy might not be able to help you so you may want to consider touring caravan contents cover as well to give you all-round protection.
The kinds of cover you may be shown for contents insurance may vary from policy to policy. In some cases the cover may be bundled up into your general touring policy but in others you may need to take it out as an additional feature. So, this is worth checking before you buy a policy if contents cover may be important to you.
Although this kind of cover works much like to contents cover you may have for your home, it is not exactly the same. The assumption may be that your contents may not be worth as much as the stuff you have in your home and that there may not be that much of it.
So, most touring caravan contents benefits may cover essentials such as clothes and personal belongings and they may come with some additional limits. You may, for example, want to check what your single item limit cover may be as this may not cover expensive items as standard. Some benefits may also not cover certain types of valuables such as mobile phones, money/credit cards, computer equipment and jewellery so this may be, once again, worth checking before you arrange cover.