Caravans and cars – different creatures
It may, of course, be stating the obvious, but your caravan is prone to some forms of risk that typically don’t apply to a standard vehicle:
· your vehicle, whether static or mobile, may contain domestic items to make it habitable and a ‘home from home’ – unfortunately this may also make it more attractive to thieves and vandals;
· some of those same home comforts may make it prone to certain accidents (e.g. frozen and burst water pipes);
· it may be left unattended for lengthy periods.
Axle caravan insurance
It may be advisable to ensure that you have a policy that provides cover for:
· road accidents while being driven or towed;
· burglary and vandalism;
· complete theft of the vehicle;
· contents cover;
· possibly third-party liability cover;
· damage or destruction due to natural causes.
Conditions around caravan insurance
As per all insurance, caravan insurance brings with it a set of terms and conditions. A sample of such conditions often includes:
· the need to fit hitchlocks and wheel clamps to static homes and towed caravans;
· ditto for immobilisers and tracking devices for motorhome type vehicles;
· the folding and closure of awning attachments if your vehicle is left unattended;
· the importance (or perhaps necessity) of leaving a static caravan on a fully serviced and professionally secured site;
· being a member of a professional caravanning association;
· not using motorhomes for commuting and reducing the amount of time they’re used outside of the UK, though Continental cover is available.
There’s little doubt that caravan insurance can be complex and it may be easy to ‘get it wrong’. So, if you’re looking for Axle caravan insurance, using the services of an online specialist caravan cover provider may be a sensible move.
Roger is the Webmaster of http://www.caravaninsurance.org where you can compare rates for your axle caravan insurance as well as take advantage of some excellent policy features.
