what is an on-site caravan?
an on-site caravan stays in one place, rather than travelling. This means that if your RV is staying at a trailer park or in your backyard, then your insurance needs will be very different than if your RV is constantly on the road.
Reading: How much is onsite caravan insurance
In some ways, insurance for an on-site caravan is similar to home insurance in terms of what you’ll need to cover.
what does onsite caravan insurance cover?
Some companies will offer coverage tailored to RVs on-site. Others may simply offer a generic caravan insurance policy where you’ll need to tell them you’re not moving.
In any event, on-site caravan insurance should generally include cover for the following:
- natural disasters. The most comprehensive policies will automatically cover you against storms, hail and fire.
- theft. If someone steals something inside or outside your caravan, it should be covered. but if you have some extra special things, it’s better to get additional content coverage.
- accidental damage. If someone backs up instead of driving, you won’t be the one to foot the bill if you have accidental damage coverage.
- fallen trees. While trees are nice, they can be a big nuisance if they fall on your truck.
- vandalism. This is especially useful if you are in an area that other people can access (such as a trailer park) or if you are not always with your caravan (such as a vacation home). ).
- is not the same as a moving caravan. Policy rules will change depending on whether your camper is on the road. If you decide to take your caravan on site down the road, you must inform your insurer beforehand or your insurance could be voided.
- extras matter. If you live in your caravan, you’ll probably have more valuable items stored in it (such as TVs, mobile phones or game consoles) than if it’s used as a vacation home. . If this is the case, it’s a good idea to seek additional coverage for your valuables.
- extras for your content. In general, policies will not cover the cost of extras inside your caravan. Since a static RV is often located somewhere where you live, there’s a higher chance that it has something expensive (like televisions, baseball card collections, or game stations). Expensive items you’ve invested in could cost you money if they’re damaged or stolen, so you may need additional contents coverage.
- Storage cover. You need storage cover if you leave your caravan for long periods of time (for example, if it is a holiday home). it basically works to provide you with an “in-season/off-season” insurance policy.
- Homeowners Insurance. If you have no plans to move your RV, but want the option of renting it out during peak periods, then you should consider getting homeowners insurance. This will likely not be included in your RV coverage, so you’ll need to talk to a homeowner’s insurance company. will cover you for things like malicious damage by tenants or loss of rent.
- rider coverage. rider coverage is for situations like fire, flood, storm, and theft.
- if you move it but don’t tell your insurer. Get on your way, jack, but be sure to tell your insurer first. If you plan to move a camper on the site and fail to notify your insurance company, your insurance may be voided.
- You’ve skimped on safety. Whether on the road or on site, safety plays an important role in your insurer’s response. Making sure you understand what the structural limits of your caravan are plays an important role in knowing how to secure it. soft-top structures are treated differently than hard-top structures. Is your annex covered and structurally sound? Are your locks up to date and keys accounted for? going to the store for ten minutes can be enough to lose some expensive things, so be sure to lock up or face replacement costs.
- DIY difficulties. If you did some repairs that didn’t hit the mark, then the company doesn’t have to pay if they cause problems in the future.
- wear. Bertha may have been beautiful in her glory days, but time has not been kind. While she may have given you good service, her insurer doesn’t have to pay for the usual wear and tear that comes with a life well lived.
- lack of maintenance. This can be things like mold, rust, infestations, and many other things that happen when you don’t take proper care of your RV. If your insurer doesn’t believe that she has made continuous efforts to keep you a jerk, she won’t pay.
- You were doing something you weren’t meant to do. For example, using your caravan when it needs to be stored and is covered by parking insurance, or moving it when you’ve said it will stay on site.
- malfunctions and workmanship problems. Your insurer won’t pay for something covered by the manufacturer’s warranty and won’t pay if the problem is the result of faulty workmanship. so put down the hammer.
- weather events. While many weather events are covered, some of the less common ones may not be, so read the details to learn about your options.
2 key things to know when covering a caravan in place
what additional coverage options are there?
It’s worth taking a look at some of the extras that different companies offer. Generally speaking, there are a few things you’ll want to keep in mind:
what exclusions exist?
what excess will I have to pay?
The excess you’ll pay depends on the level of coverage you’ve selected. If you have opted for higher premiums, your deductible will be less than if you have opted for cheaper premiums. It depends on whether you’re more comfortable with higher ongoing expenses or the possibility of a large lump sum.
how do I make a claim?
Insurance companies often offer a couple of ways to file a claim. you can usually contact them by phone or through their website. You may be required to submit supporting evidence to validate your claim. this may include receipts, warranty information, appraisals and appraisals. companies will generally want this information to ensure that you are not subject to any of the exclusions listed above.
See also: Reinsurance | III