ARE YOU SURE YOU’RE IN­SURED?

Go! Drive and Camp Camp Guide - - The Paperwork -

Keep th­ese im­por­tant point­ers in mind re­gard­ing your car­a­van’s in­sur­ance.

SEP­A­RATE POL­ICY OR PART OF HOME­OWNER’S IN­SUR­ANCE?

De­cide whether you’d pre­fer to have stand-alone in­sur­ance for your car­a­van, or if you want to in­clude it with your home­owner’s in­sur­ance. Most home­owner’s in­sur­ance poli­cies will cover your car­a­van against theft or dam­age, but you’ll have to spec­ify and in­sure the con­tents sep­a­rately. The same ap­plies to a tent. If you in­sure your car­a­van or trailer seper­ately, the pre­mium does not in­crease if you, for ex­am­ple, lodge a claim against your home­owner’s in­sur­ance.

If your car­a­van’s in­sur­ance is part of your home­owner’s or car in­sur­ance, the cost will also be in­di­rectly in­creased when­ever the pre­mium is ad­justed up­wards ow­ing to in­fla­tion or a claim. Car­a­vans fall into a low-risk cat­e­gory, be­cause they’re used less of­ten than cars. So the sep­a­rate pre­mi­ums are not high. (Ex­cept if you want to tow your car­a­van or trailer daily in peak traf­fic – Ed).

WHAT ARE THE MORE COM­MON CLAIMS?

Most claims in­volve dam­age caused by pot­holes, and also wind and storm dam­age. Peo­ple also of­ten sub­mit claims for theft from their car­a­vans. Most of the break-ins don’t oc­cur in camp­ing sites, but at home, where the car­a­van is parked out­side and an easy tar­get. Claims in­volv­ing ac­ci­dents chiefly orig­i­nate be­cause the ve­hi­cles be­ing towed aren’t prop­erly main­tained. So it’s im­por­tant for car­a­vans or trail­ers to be fully ser­viced by a dealer at least once a year.

STRANDED EN ROUTE?

The most un­der­rated ben­e­fit of car­a­van in­sur­ance is that you’re as­sisted when you have a break­down. This can be any­thing from help with a punc­ture to as­sis­tance if your car­a­van over­turns and you’re stuck in the mid­dle of nowhere. Re­mem­ber: If your tow­ing ve­hi­cle breaks along the way, most ve­hi­cle in­sur­ers won’t make pro­vi­sion for your car­a­van to be towed as well. En­sure that your car­a­van in­sur­ance makes pro­vi­sion for this. >

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