0800 466 1887As well as protecting your static or touring caravan against major risks such as fire, flood and storm damage, it’s also important to consider protecting the contents of your caravan.
You may be surprised to learn that the contents of your static or touring caravan probably totals several thousand pounds.
So, if you don’t want to be left out of pocket in the event of fire or theft, it’s important you take out the right contents caravan insurance.
What you might need to protect with a caravan contents insurance cover policy
Touring or static caravan contents insurance policies are designed to ensure your valuable belongings are fully protected against a range of risks including theft, fire and flood.
Typically, caravan insurance for personal belongings covers items such as bed linen, gas bottles, food and drink, clothes, camping equipment, your awning and your personal effects.
You should double check the terms and conditions of any policy you plan to take out if you want to ensure your caravan contents insurance cover also includes other items such as smartphones, hand held electronic gadgets (MP3 players, games consoles etc), laptop computers, satellite equipment and TVs or DVD players.
It is often sensible to make an inventory of your caravan’s contents to ensure you have sufficient cover to protect all your belongings. This will also give you a more accurate idea of the amount of contents cover you'll need to insure on your policy.
What to look for when you compare caravan contents insurance quotes
Generally speaking, you won’t buy caravan contents insurance cover on a stand-alone basis. You’ll normally find that you can include it as an add-on when you buy your main touring or static caravan insurance. For this reason you need to make sure that you check the other details of the policy are suitable when you buy too.
There are a number of factors you should consider when you compare caravan contents insurance quotes.
Firstly, you should ensure that the cover is suitable for your specific type of caravan. Don’t take out a touring policy by mistake if you need static caravan contents insurance.
You should also check what standard excess applies to any policy. Your excess is the amount of any claim that you have to pay yourself.
When quoting for caravan contents insurance UK providers often quote a high standard excess in order to bring down the price of the cover. While you may be prepared to pay a higher excess, make sure you compare like’ with ‘like’ when you compare caravan contents insurance quotes.
You must also consider whether you could realistically afford to cover the cost of this excess if you need to make a claim, otherwise it's likely to be a more sensible idea to go for the most affordable policy with a slightly lower excess. This will ensure you can afford to claim if you need to.
You should also check whether a policy replaces contents on a ‘new for old’ basis? This is where you would get brand new replacements for your contents in the event that you have to make a claim.
When you compare contents caravan insurance quotes, also make sure you establish whether any discounts are available. You may get a discount if you buy your policy online or if you have a good no-claims history.
Compare quotes from as many different providers as possible and go with the policy that offers you the most suitable cover for the lowest price.
