With thousands of touring caravans on the road in Australia, it’s clear that our passion for caravanning and road trips is here to stay. It’s popular with people of all ages because it’s affordable, comfortable, and gives you the independence and freedom to travel on motorways and country trails.
You’ll need to find the right insurance for your Atlantic caravans, but be careful not to buy the wrong product. Continue reading to learn about the most common insurance mistakes—ask yourself the questions below to ensure you’re protecting your caravan as best you can.
Did You Get the Best Caravan Insurance Deal?
If you’re buying Atlantic caravans, you already know you’ll need insurance, just like you would for any other vehicle. But how can you be certain that you’re paying the correct amount?
Atlantic caravans insurance does not have to be prohibitively expensive. However, with so many companies offering various plans and prices, it can be confusing. You don’t want to overpay for your insurance, so shop around before enrolling. Overpaying for premiums is a common error, so do your homework and ensure you’re not overpaying.
However, before being swayed by cheap costs, do read the fine print and ensure you understand just what is and isn’t protected. Cheap rates do not have to imply poor quality. But you do want to know what you’re getting yourself into.
What Really Is Covered by Your Insurance?
For so many different forms of Atlantic caravans coverage available, make sure you consider all that is and isn’t covered. Accidents, vandalism, to a caravan will also be covered by insurers, whether on the road or at home. Check to see if the insurance is robust (giving you the most comprehensive protection) or if it just includes at-fault injuries.
You’ll just need to remember where the coverage begins and ends so you know when you’re safe. It’s a good idea to keep a copy in your glove box for future reference or in case of an accident.
Can You Get The Distinction Between Caravan And Personal Insurance?
It’s a common source of misunderstanding, but did you know Caravan insurance, in general, only protects the Atlantic caravans and their interior contents, such as furniture. However, since our caravan serves as our home on the route, it is often brimming with valuables. Laptops, computers, televisions, jewellery, clothes, GPS devices, and camera equipment are only a few examples. If these objects were to be lost or stolen from your caravan, they would most likely not be covered by your caravan insurance policy.
They will, however, be covered by your medical or home insurance. Until you hit the track, notify your personal insurance provider that you will be staying in your caravan. You will also need to add high-value products, to the policy.
What Is the surplus?
This is the sum you will be responsible for paying out of pocket for all insurance claims. If you have an AUD 1000 premium, the premiums will kick in until you’ve paid up to the sum. There could also be an option to pay a voluntary surplus, which entails paying a larger portion of the claim in return for reduced premiums says Atlantic caravans expert.