Have a caravan? You must have spent quite a bit of money on it, and that is the reason you definitely should insure it. Because should something happen to it, you want to make sure that you have comprehensive insurance for your caravan.
There are vast companies that can give you comprehensive caravan insurance, and you should definitely talk to them, so you can have peace of mind, so that should something happen to your caravan you can be compensated for it.
Most of the caravan insurances out there have a list of things that they will cover you for, things like fire, flood, storm, theft etc. What you need to do is to make sure that you look at the whole list and make sure that you are covered for the things that you want to be covered for. Also, when it comes to caravan insurance, just make sure you read the fine print. You do not want to be caught in a situation where you think you are covered for something and you actually are not.
For example if you chose a cover that does not cover you for storm damage, and a severe storm hit where you live in South Africa and the storm seriously damages your caravan, the insurance company won’t pay you.
Sometimes, covering for certain things will need you to pay some extra money, but rather be safe than sorry and pay it.
Your caravan insurance should also cover you for third party accidents. This is for cases when the caravan you own hurts someone else or damages someone else’s property. These cases can involve a lot of money, therefore, you don’t want to be caught without it.
When looking for caravan insurance, make sure that you get one that can replace your caravan, should your old one be stolen, or if it gets completely damaged that the cost of fixing it is too high.
If you do not get this kind of cover, the insurance company would probably pay you the current value of your caravan, which can leave you in a mess, as you might not be able to completely cover the cost of a new one.
Inter continental trips
If you are into driving out to countries outside South Africa, make sure that you are covered for that as well. Make sure that they cover you for the trips outside of SA, because should you have issue as you travel Africa, you will be on your own.
Caravans just like cars can get stolen. Make sure that there is security for your caravan. A wheel clamp is something good to have, to ensure that there is resistance for taking it. Find out what the insurance deems good security for your caravan, and implement that.
Insurance companies love it when you take extra measures to up the security of your caravan. In fact, this could even qualify you for a cheaper premium. An immobilizer is something good to have on it. A chassis lock is also something that you might want to look into.
A tracking device is something that you should have. Fitting in all these security things tells the insurer that you are serious about the safety of your caravan, and you will be rewarded for that in cheaper premiums.
The insurance will obviously be interested about where your caravan gets parked or where it is kept. They want this location to determine just how safe it is. Security is all they are looking to see, and this affects the premiums.
Some policies, not all, will also cover you for the contents in your caravan. Make sure you find this out, and if they cover for contents, make sure what contents do they cover exactly.
For the things that aren’t covered, make sure you keep them safe inside the home or another safe place.
Caravan insurance is something every caravan owner should consider and have. It makes life simpler.
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