Australia has around 2,620 holiday parks which makes it ideal for camping. Nowadays, nothing much has been left at home with travelers bringing all their appliances and gadgets to their Australian outback caravans. These vehicles have DVD players, keetle, microwave, television, and others. This makes them prone to being stolen or damaged?
For this reason, you need to consider caravan insurance. It can give you the peace of mind knowing that your 2 berth caravans Australia is protected from any eventuality such as theft, accidental loss, damage to the caravan, annexes, and its contents.
Insuring caravan and motorhome sales is important because in case you get into an accident, you will shoulder the cost of damage and repair to both your caravan and the other party involved. Likewise, you need insurance because your caravan carries your loved ones. Being covered will give you peace of mind so you can relax and enjoy your trip.
While each insurance policy may vary, they will usually include the following:
- Storm, hail, and flood
- Accidental and malicious damage
- Theft to your caravan and annexes
- Electrical motor burnout
- New vehicle replacement cover
- Cover for contents within a rigid lockable annex
- Fire and explosion
- Reasonable towing costs for removing your caravan after an accident
- Emergency and alternative accommodation expenses
However, caravan insurance excludes the following:
- Wear & tear
- Use of a caravan or motorhome as a permanent residency
- Vermin damage to trailer tents
- Inadequate security measures
Caravan insurance is divided into 3 main categories: Touring caravan, static caravan, and trailer tent/folding camper
Touring caravan insurance
This type of insurance provides coverage when you are towing your caravan behind your vehicle. Insurance companies will offer different benefits for covering caravans for sale NSW but coverage will usually include contents, third party and public liability, and new for old replacement.
Static caravan insurance
Static caravan insurance provides coverage if your caravan is stationary in one place but not a site where you make your permanent residency. Just like touring caravan insurance, you will be covered for contents, new for old replacement, third party and public liability.
Trailer tent insurance
Trailer tent insurance protects luxury caravans for sale Australia if it has an additional tent section. It provides the same coverage as touring and static caravan insurance. However, it excludes mildew damage or theft from the tent due to lack of security.
Motorhome insurance offers the same coverage as touring caravan insurance. However, it offers additional coverage such as 3rd party, 3rd party fire and theft, and fully comprehensive.
3rd Party coverage shoulders any damage to the vehicle of a 3rd party but not yours. In 3rd party and theft, similar coverage offered by 3rd party is shouldered by the insurer as well as coverage if the motorhome was stolen or damaged by fire. Finally, fully comprehensive provides the most thorough coverage including damage to third parties, fire and theft, and additional damage to your motorhome.
These are the types of car insurance that can cover family caravans for sale in case of accidents or damage. While they may be expenses, you can benefit from them in the long run.