Manchester, United Kingdom (PressExposure) July 23, 2011 -- When you think of home insurance, bricks and mortar buildings probably spring to mind.
For many people in the UK, caravans are a home from home, and as such, need to be properly insured as well.
If you've just bought a caravan and are looking for insurance, the guide below will help you think about what's important in terms of your holiday home insurance policy.
- Damage in transit
Manoeuvring a caravan if you haven't done it before can be tricky. The only way to get better at it is to do if often.
Making sure you're covered for any accidental damage while you're travelling is an essential part of any holiday home insurance for your caravan.
- Having to stay elsewhere
Just like with standard home insurance, if your caravan gets damaged and is uninhabitable for any reason, you'll need insurance to cover any costs for alternative accommodation.
You never know when or where something might happen to your caravan so you could end up staying somewhere that's a bit more expensive than you'd like.
- Cover for taking your caravan abroad
One of the great things about having a caravan is being able to go wherever you please on the spur of the moment. If you're planning on going abroad in your caravan, you should make sure your holiday home insurance covers you for the duration of your trip.
Some caravan insurance policies state exactly how long you can stay abroad for, so if you're planning an extended trip, make sure to check the details as you may need to pay for additional cover.
- Caravan contents in transit and on-site
When you're away on your caravan holiday things like keys, wallets and credit cards may be covered by your standard home insurance policy if you have added possessions away from home as an optional clause.
If there are items in your caravan of worth such as a TV, you'll want to make sure these are properly insured too while you're moving from one place to another and while you're static.
Caravans need a special kind of home insurance as they don't fall under a traditional home or car insurance.
If you're planning on taking out caravan insurance for the first time, you should speak to an insurance advisor to make sure you understand the ins and outs of any policy.
Author Bio: Co-operative Insurance provides caravan and home insurance with a range of optional extras for policyholders in the UK.