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Carvan Insurance

It is not a legal requirement to take out insurance for your caravan in the UK, but it is certainly a good idea.

Here are the top five things that caravan insurance can cover that you might not have thought of...

Driving Damage and Caravan Insurance

If you are towing a caravan, then you need to update your car insurance company. If you have an accident and you have fully comprehensive car insurance, this will pay out on any damage to your car. Any policy will cover damage to the vehicle of a third party that has been caused by your car or caravan. However, neither policy type will cover damage to your caravan. If that corner was tighter than you thought it was, you could end up with a hefty bill if you don't take out a separate insurance policy. 

Caravan Insurance for Theft

Nowhere is 100% safe and caravans are easy to hitch up to a car or even put on a trailer in order to steal them. They are expensive to buy; a new caravan will cost upwards of £10,000 and many cost a lot more. Insuring your caravan is relatively cheap and will cost a lot less than a new caravan if yours is stolen. It is better to be safe than sorry and you don't want to lose a large investment to caravan thieves.

Home insurance will not usually cover you for items you leave in your caravan. Most people leave some personal items in their caravan and although they may not be expensive individually, the cost of replacing them will soon mount up. Make sure that you are not out of pocket if someone breaks in and steals your belongings from your caravan by taking out separate insurance. 

Caravan Insurance for Weather Damage 

Nobody can predict the Great British weather. One minute it is beautiful sunshine and the next minute we are enjoying torrential rain and gale force winds. The weather can cause a lot of damage to your caravan through flooding or high winds. Added to this is the fact that most caravans will spend their time in the great outdoors and therefore be particularly susceptible to adverse weather conditions. While no insurance policy can make the sun shine, it can cover repairing any weather-related damage sustained by your caravan.

Emergency Accommodation and Caravan Insurance

One thing that this class of insurance can cover which is often overlooked is emergency accommodation. This element of the insurance policy will cover you if your caravan is damaged and you are unable to stay in it for a night or two. You may need to find emergency accommodation while you have it repaired, and your insurance will pay for you to stay in alternative accommodation while the problem is fixed. 

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These are just five of the many reasons why you should take out caravan insurance when you own a caravan. Hopefully, you will never need to make a claim, but it will give you peace of mind to know that you will not be out of pocket if you do.