Caravan Insurance and Security
Hints & Tips
Your touring caravan will represent a significant investment and initial financial outlay costing anything from £5,000 to £20,000. It is worth considering insurance for your caravan as well as security devices for your caravan.
When looking for insurance it is worth looking at the following basic points:
- What the policy does cover?
- What security measures they require you to have?
- What contents value is covered?
- Is the caravan covered for touring abroad?
- What is the excess for each claim?
- What are the conditions for its storage, if any?
- Will a replacement be offered if a holiday is coming up?
It is wise to cover for replacement or reimbursement if your caravan is destroyed, damaged beyond repair or stolen and this cover should also include all the accessories within the caravan. Cover for accidental damage such as fire, storm, flood, theft and malicious damage should also be taken out. Contents insurance is also worthwhile to cover for the caravans contents whilst you are on holiday.
There are numerous security devices available on the market that can be used to protect your caravan. Wire-free security alarm systems can be fitted or trackers which are triggered by an alarm system which are monitored by a control room. Investing in a good quality immobiliser will help to deter thieves along with etching chassis number or postcodes on to all windows.
When storing your caravan, either at home or within the compound, it is important to ensure that an adequate wheel clamp is fitted, the spare wheel has been removed, CRiS documents removed, all valuables are removed and all windows and doors are locked. Also ensure that your insurance is fully up to date.
In 1992 the Caravan Registration and Identification Scheme (CRiS) was set up to provide a database of caravans and their keepers, similar to cars being registered with the DVLA. The introduction of an electronic tag system in 1997 enhanced the scheme. Registering your caravan can help locate your vehicle and catch thieves if the vehicle is stolen, records of all stolen caravans are held by the National Caravan Council.