Caravanning? Why you need leisure vehicle cover
Having a caravan allows you to have a holiday with a true sense of freedom. You can head off to a caravan park near a beach or in a nature reserve, set up your spot and unwind in the outdoors. And caravanning is the height of nostalgia for many people, which is why it is still popular with holidaymakers today.
If you will be caravanning this holiday season, you will need to have leisure vehicle cover for any eventuality. For those who have more than one leisure vehicle, you will need to apply for caravan cover, motorcycle cover and even jetski cover (if you are lucky enough to own one). The fact is that insurance for your leisure vehicle is an important part of any holiday. Read on below for just some of the reasons why you need it.
It covers roadside assistance
Some options of leisure vehicle insurance offer roadside assistance as part of their package. This means that if your car or caravan breaks down, runs out of petrol or gets a flat tyre, you will be able to call a service who will send someone out to help you.
This can be extremely useful if you are travelling on a bumpy road or one which has a lot of potholes. You might burst a tyre or your caravan might hit a pothole and become unhooked from your car. Having some helping hands in this type of situation can make it easier and less stressful. Be sure to contact your insurance provider to ask if they offer this feature.
The interior items are insured
Cover for recreational vehicles will often insure the items that are inside your caravan. For example, it will insure your stove, microwave, television, and other valuable items. If your caravan is stolen or damaged, you will be able to claim from this insurance and use the money to buy new items.
Insuring the items inside your caravan is important if you will be leaving it on the campsite during the off-season period. This will mean that if anything should happen to it, you will not lose out on the money you have invested in it. Be sure to leave your insurer’s contact details with the park so that once they have contacted you about any theft or damage, they can help you speak to your insurer about the details of the incident.
Emergencies are covered
On holiday, we often forget to think about emergency situations. But this can be disastrous for caravanning, as the caravan is your holiday accommodation. Leisure vehicle cover offers emergency accommodation costs which will pay for a hotel room if your caravan is damaged and you cannot stay in it.
Emergency accommodation is especially useful for large groups staying in the caravan. Not everyone will be able to sleep in the car, and a tent is difficult to put up if you are tired and stressed about the damage. Ask your insurance provider if they offer emergency accommodation packages and find one which best suits your needs.
It offers cover for weather damage
Caravans are used in the outdoors. And this means that they are prone to weather damage, such as high winds and even flooding. It can be expensive to try to pay for repairs from this damage, which is why it is important to have insurance for your leisure vehicle.
For example, if you are caravanning and the weather suddenly turns bad, causing floods or even heavy hail, you can rest easy because your caravan is already covered. This way, you can replace what has been damaged or you can buy a new one to replace if it is beyond repair. In a country with unpredictable weather, you cannot afford not to have cover for the damage Mother Nature can cause.
Major costs will be paid for
A caravan is not a cheap vehicle, which means that repairs and accident damage costs will not be cheap either. And while you might be able to pay for the minor issues yourself, a major accident or damage from a storm might end up costing you a significant amount.
Just like car insurance, you should check what the excess will be for these claims. But it will likely be an affordable amount. Keep your policy up-to-date if you make any changes to your caravan, such as adding in new equipment or replacing the tyres. This way, if you claim for damages, the process will be easier, smoother and more efficient. Your insurer will also be able to calculate your premiums correctly.
Always be prepared
Going on a caravan holiday is fun and exciting. But it can also be a disaster if you are not insured for accidents, roadside assistance or weather damage. This could mean that you have to cancel your holiday altogether, which will cost you time, money and effort. By investing in leisure vehicle insurance, your family can enjoy the perfect caravanning experience without having to worry about what will happen in an emergency.
