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Is Insurance Necessary?

No matter whether you use your camper for your holidays, your main home or attach it to the back of your car in nice weather you should make sure that you have cover. It may be something that you have not thought of, especially if it spends most of the time on your front drive, but it is a necessity as we never know what is round the corner.

The first thing you will need to think about is whether your mobile home is to stay in one place or will it be used for touring, touring insurance tends to be more expensive as risks are higher. Think about the items you will be keeping in your mobile home in the long and short term so that you will be able to give prospective insurers an idea of how much coverage you need for personal belongings.

People who own mobile homes or trailer homes often have furniture or add a patio to the outside so you will want to speak to the insurer about whether the cover will extend to these items as these will be the most vulnerable items that are not normally under lock and key. You have more options if the whole caravan is stolen, or fire.

Tips over Winter Months / Vacant Months 

Even if you are only planning to leave your camping van vacated for a week, it is still wise to ensure that these security procedures are put into place. But there is more to keeping a 'no-claims' than just tucking away the valuables. Taking care of the utilities is a must, especially in the winter months. Even if you are only going to leave your caravan empty for a few days, ensuring that damage caused by freezing conditions is minimised is a must. Drain any excess water from the systems such as lavatory, shower, and basins after turning off the water supply, and lag any pipes that may be susceptible to frost to prevent burst pipes. Make sure that the gas and electricity supplies are switched off and all electrical items are protected from damp conditions.

To avoid minor claims for damage to soft furnishings and other items from damp and cold, ensure that there is adequate ventilation. Blocked air vents can cause damage to fridges, wardrobes, curtains and bedding and sofa areas. Make sure that all areas are thoroughly cleaned, and doors wedged open to aid circulation. And finally, if there are other people using your van, leave a checklist of things to do and not to do to avoid any unnecessary damage or accidents.

Disaster Cover

Finally, it is also ideal to ensure that you are covered in the case of the occurrence of some certain disaster such as cover from storm damage. This could also include other occurrences such as caused by lightning that can cause damage,  It is also important to consider damage from flooding or seasonal variation which can occur during winter months of the year. It is also wise to consider other unplanned events such as excessive snow conditions which can affect the insurance claims payments.