The number of Australians who have a caravan has increased a lot in the last few years and being adequately insured is a must. Bear in mind that there are two types of caravan insurance: stationary insurance, which covers your caravan when its stationary usually at a caravan site, and mobile insurance, which covers your vehicle while you are travelling across Australia.
In general, caravan insurance covers accidental damage, natural disasters, theft and loss, as well as liability and compensation when an accident is your fault as a driver. When deciding what caravan insurance and what provider to choose, you should pay attention to the following aspects.
Search for the best offer
Start here by checking your yearly premium. You will be surprised to see how many insurance companies provide a low rate for the first year, and then increase the premium considerably in the following year.
Searching the Internet for insurance rates and offers in order to make a comparison is a great place to start. You must know that there are plenty of insurance companies, and you should take full advantage of this. Always check the pros and cons of an offer when you are comparing it with another one.
Choose an insurance that covers the personal content
Not all policies cover personal contents, and usually only some of them are covered anyway. Even if it does not sound too encouraging, the risk of having your personal belongings stolen or damaged is high. For this reason, you should check if the policy will also cover personal contents and attached annexes.
Does the company offer discounts for multiple policies?
If you already have some policies for your car, house, valuable assets and so on, and they are all from the same insurance company, you have great chances to receive a discount when insuring your caravan. The chances increase more when you are willing to renew the other policies. However, you will never know for sure what advantages you have if you don’t ask. So don’t hesitate to make a call to your insurance provider and find out if you can benefit from such a discount.
Does the insurance allow you to choose your repairer?
There are some insurance companies that will not enable you to choose the repairer. They may have some or even only one repairer that you are allowed to contact and it is covered by the insurance. Having such limited choices may not sound too bad first, but what happens when your caravan needs to be repaired but the repairer is really far away from you?
Find out if the provider has call centres and claims departments in Australia
A caravan insurance provided by a company that has its offices in developing countries may have a lower rate. Because their call centres and claim departments are not in Australia, they spend a lot of money and they can afford a lower rate. However, in case you want to make a claim, the process is a lot harder if you have to follow the procedures of such a provider. The whole process will take longer and you will probably be redirected many times from a customer service representative to another one.