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Australia’s caravan club never stops – with more than 740,000 vehicles on the road. If you enjoy caravaning, getting an insurance policy is highly crucial. Choosing the best caravan vehicle insurance policy is essential to protecting yourself from falling into financial ruin and helping ensure that you are covered against damages or accidents with other vehicles. Importantly, this guide is about selecting the right insurance policy for your needs in terms of cover, costs, and claims handling.
Before You Purchase Your Preferred Insurance Policy and decide which type of policy fits best for you, you need to do a little research. The first thing you need to find out is what kind of policy it is, and the second thing that needs to be ascertained is how important caravans are covered under your insurance policy.
Without further ado, let’s jump straight to the point!
Below are the six best caravan insurance policies for you in 2022
1. Comprehensive insurance
2. Accidental damage protection policy
3. Intentional damage insurance policy
4. Emergency accommodation, transport, and repairs
5. Caravan trailer insurance
6. Contents of a caravan or trailer
7. Caravan park fees
Comprehensive Insurance Policy
Ensure that your caravan is safe with a comprehensive insurance policy. Whether it is accidental or intentional, the policy will cover the cost. In addition to that, if your caravan causes harm, you can rely on it to cover repairs and compensate for inconveniences. Comprehensive insurance means that the policy visitors and others are provided with showers, electricity (if necessary), food/booze, and leisure activities.
Accidental Damage Protection Policy
Want insurance coverage for your caravan that covers accidents? When it comes to caravan insurance, an accidental damage policy is what you need. It comes with a higher premium than the other options on this list if your caravan crashes get dented or damaged by some object through no fault of your own aside from bad driving behaviour on roads where speed limits are not enforced.
Intentional Damage Insurance Policy
If you wish for more insurance coverage, an intentional damage policy might be the way to go. And this will not only cover you in the case of your caravan crashing down due to natural disasters but also if it is damaged intentionally either by mismanaging or theft. Regardless of how it happens, anyone’s wrongdoing will be compensated with money that can run into thousands based on the type and level of the vessel’s damages against which you are insured.
Emergency Accommodation, Transport, and Repairs
We build this insurance with our customers in mind. Suppose you’re more than 100km from home, and your caravan or trailer is rendered unusable due to an insured event. In that case, you’ll benefit from up to $1000 in emergency accommodation, transport fees, or repairs.
Caravan Trailer Insurance
If you’re fully licensed, trailer insurance will provide the best guidance in your search for a company that offers insurance coverage. The cover is built to protect against all types of possible damages, including theft and accidental damage. It ensures complete security; it even covers third parties if an accident or other event causes someone harm (for example, animals on tow-away sites).
Contents Inside the Caravan or Trailer
Comprehensive Caravan and Trailer policies cover your caravan, trailer, their contents. These protect up to $1,000 per insured event, up to $150 per item, and if necessary, can be upgraded for up to $1000 per item through the comprehensive option. The only additional costs you’ll incur are those relating to optional extras. The policies will cover up to $15,000 per event with the addition of one-off options, or you can choose unlimited benefits for travel.
Caravan Park Fees Policy
If your caravan or trailer suffers loss or damage from an insured event, you can get up to $1,000 in insurance coverage. Caravan Park Fees Insurance Policy covers any money you lose through cancellation or rebooking fees at the caravan park. If you have to pay for a new place, the money is paid after settling your insurance claim. This covers any cancellation or rebooking fees not already covered by comprehensive options available with caravan and trailer cover.
Other insurance policies:
• Animal death or injury.
• Counselling services.
• Traveller bonus.
• Locks and keys
• Towing costs.
• Legal liability.
You should get prepared for these issues if things do not go well with your caravan. Thus, we highly recommend researching well before getting caravan insurance.
Welcome to Birds and Lilies! I'm Lou: mother, blogger and freelance writer. This is my lifestyle blog, where I talk about motherhood, infertility and IVF, beauty, my love for food and wine, as well as my thoughts about stuff, and our real-life and travel adventures.
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