Should you insure your caravan when it isn’t in use?
Unlike a car or other vehicle used for everyday transport, a caravan will spend a large proportion of its life on your drive while you’re not at home, or stationed abroad. A caravan isn’t just a big investment, either. It’s also a large, visible object and, as such, is easy prey for thieves and an unfortunately large target for natural hazards.
There’s nothing more disappointing than having something happen to your caravan just before a holiday, especially if it means your spending money suddenly becomes an impromptu repair fund, or even worse, a down payment on a new caravan!
Theft and the dangers of the drive
Keeping your caravan on your drive can be a risky business, especially if you’re often away at work, or if you spend long periods of time away from home. In fact, in 2010, around 1,250 touring caravans were stolen in the UK alone. Indeed, as with all valuable property, there’s always a chance of theft, and the visibility of caravans can make them a particularly easy target for criminals. What’s more, while indeed, you can keep your caravan behind locked gates or in a position that makes manoeuvring difficult, unfortunately your caravan may still suffer damage if anyone does try to steal it.
Because of this, it’s recommended that you do take out caravan insurance to ensure that you’re covered in the case of any damage or theft that occurs when you are away from home. You can’t always keep your eye on your caravan, but if you’re insured then you have peace of mind that your policy will always be there to help if something does go wrong. Check out Simple for caravan insurance (they are all about easing the worry and making insurance as simple as possible for you).
- photo – Ian Guy
Keeping your caravan abroad
One certainty for any caravan is that it will spend long periods of time away from home. If you’re stationing your caravan abroad, it can be particularly difficult to know exactly what opportunities for safe storage, if any, are available. Accidents abroad can be even more stressful than those at home, so it’s worth making sure that your caravan insurance has you fully covered in case of an emergency or unforeseen circumstance.
Keeping your caravan in storage
These days, high-quality caravan storage sites are becoming more and more popular, and with increasingly high-tech security measures, it’s easy to see why. Accidents still happen however, and these aren’t limited to theft; your caravan could easily sustain a nasty bump or similar damage from the carelessness of others. If you do keep your caravan on such a site, you’re likely to be offered a significant discount on your caravan insurance, so the lowered cost is absolutely worth paying for peace of mind.
At the end of the day, accidents do happen, no matter how many precautions you take. Whether your caravan is your pride and joy, or simply the means for an occasional family holiday, it’s worth doing everything you can to protect your investment. And for those occasions where the unexpected does occur, caravan insurance is there to put your mind at ease.
- Jennifer Lucy is a keen travel blogger and caravan enthusiast.