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The 5-point check for your caravan insurance policy

From grey nomads taking their time exploring Australia to families packing up the kids for a holiday, climbing aboard a caravan is becoming an increasingly popular way to get around.

There’s a lot to think about before you head off onto the open road but one thing you shouldn’t neglect is the right insurance protection. Today, we’ll be looking at the main things you need to consider for your caravan insurance.

New for old replacement

Caravans are a big purchase and can cost a lot of money at the outset, particularly for the more luxurious models. For this reason, it’s important to look for an insurance policy that will provide new for old replacement if your caravan is a total loss. Some insurers provide new for old replacement if your caravan is less than a year old and this is something to look for to protect your investment.

Consider your contents

While contents cover is generally optional for your caravan insurance, it’s worth considering this as an extra. Contents cover means that fixtures and fittings that aren’t permanently installed, furniture, and other belongings will be covered in the event of incidents such as theft. When you’ve spent time and money decking out your caravan, the last thing you want is to have to replace it all yourself if an incident occurs.

Check the motor burn out limit

An electrical motor burn out on your caravan can effectively put a stop to your grand travel plans and is also an expensive exercise when it comes to replacement. When looking for insurance, you not only need to look for a policy which includes cover for a motor burn out but also make sure you check how old your motor needs to be before this cover runs out.

Liability cover

Liability cover will be an essential part of your caravan insurance. This cover means that you’re protected financially if you cause damage to property or injury to a person while you’re out caravanning. It also covers any legal bills if you need to hire a lawyer during the claims process. Remember, damage costs can add up to many thousands of dollars so it’s important you have liability cover in place.

Emergency help

With caravan insurance, look for an insurer who will help you out in the case of an emergency. If you’re off exploring the country and you find yourself unable to stay in your caravan when something goes wrong, some insurers will provide emergency accommodation or assistance returning home. This offers great peace of mind when you’re out of your comfort zone.

If you’re not sure what level of cover you need for your caravan insurance, speak to CGU about providing more specific advice.

For more information about Caravan Insurance check out the website, or contact CGU today.