| This is one of the first decisions you have to make | | | | find out if the policy would pay out for such as |
| when looking into taking out caravan insurance. If you | | | | awnings, steps, fencing and patio around your |
| have a static caravan then you would have to take | | | | caravan. The majority of policies would include |
| out insurance tailored to the static caravan. The | | | | awnings and steps but there is generally a limit to |
| same would apply if you have a touring caravan, then | | | | what they would pay out for these so checking with |
| you would need tourer insurance which would provide | | | | the particular provider is essential. |
| you with different benefits tailored to the touring | | | | When looking for touring insurance for your caravan |
| caravan. | | | | and you plan on travelling around Europe then you |
| There are some features and benefits that you | | | | would have to ensure that you added European |
| would find in both touring and static insurance and | | | | cover into your policy. Providers will base this on so |
| one of these would be protection for your personal | | | | many days so again checking is essential. The policy |
| belongings and the items in your caravan. You will be | | | | would pay out in the event you were to have an |
| taking a great deal of belongings with you whether | | | | accident and your caravan had to be towed and |
| you are holidaying in your static caravan or touring | | | | repaired, it would also pay out for you to stay in |
| around. The first thing you would have to do is work | | | | alternative accommodation if you could not stay in |
| out how much the contents of your caravan are | | | | your caravan. The policy would pay for so many |
| worth. So go around and take an inventory of every | | | | days and up to so much per day. |
| single item in your caravan and don't forget items in | | | | If you want to save on your caravan insurance then |
| wardrobes and cupboards as they can all add up. This | | | | you could consider paying out more in excess than |
| amount would be the sum of money that you would | | | | what the insurance company asks for. Excess is |
| get back to replace your items in the event that | | | | what all providers will ask for before they will take |
| they were stolen, damaged or totally destroyed. | | | | over the rest of the claim. While they will set a |
| You would have to find out whether you would get | | | | minimum amount that you could pay out you could |
| brand new replacements from your claim or whether | | | | offer to pay more and this would keep down the |
| the provider would take wear and tear into account. | | | | cost of the premiums. You would however have to |
| If you got brand new replacements then you would | | | | take into account that you chosen amount would |
| have to pay out more for your premiums than if the | | | | need to come out of your own pocket in a lump |
| policy took wear and tear into account. | | | | sum payment should you need to claim on your |
| If looking to take out caravan insurance for your | | | | policy. |
| static caravan then check the details of the policy to | | | | |