Although caravan or mobile home insurance is not a legal requirement in Ireland, taking out a good insurance policy with adequate cover will help protect your caravan, belongings and mobile home in case something goes wrong.
For those that are unfamiliar with mobile home and caravan insurance, getting the correct insurance cover can be a minefield. It is important that you take the time to research your options to ensure you find a cover that’s right for you. Alternatively use an insurance broker like Britton Insurance to find the best cover available for your specific requirements.
Keep the following things in mind when insuring your caravan or mobile home.
Choose the Correct Type of Insurance
Just like the market is flooded with different types of caravans, there are many different types of caravan insurance policies.
In Ireland, there are mainly two types of mobile home / caravan insurance cover. The difference between insurance for a ‘mobile homes’ verses ‘caravan insurance’ is that some caravan policies need to cover ‘the caravan’ for travel purposes. Which means that you are covered for “touring”. This means that ‘touring cover’ is itemised within your caravan insurance policy. Mobile Home insurance does not necessarily need ‘touring cover’, as your mobile home is going to be situated on a permanent site and does not then need ‘touring cover’. Mobile Homes are generally categorised like a ‘holiday home’ because they stay put in one location and subsequently require ‘static’ insurance cover and not ‘touring cover’.
Make sure you pick your cover based on your particular requirements. We highly recommend your mobile home or caravan insurance covers the following:
- A choice of market value or new for old.
- Damage or loss cover for theft, fire, storm and flood.
- Cover for European touring (if a touring caravan).
- Contents cover.
Look Out for Exclusions
Each policy has its own exclusions. So check:
- Your mobile home awning is covered.
- You are covered for any damage to the caravan whilst it’s being towed.
- The full contents of your caravan/mobile home are covered and that you don’t have to itemise items such as cameras, laptops, mobile phones, etc.
- The age of your caravan has any effect on the cover.
- The contents are or are NOT covered to a specific value or limit.
Know Your Risks
Some touring caravans can be extraordinarily large. Handling them can sometimes become difficult and cumbersome, especially if you are not used to the additional weight.
Towing a caravan with a car can have risks and safety and vigilance need to be observed at all times, remember if your caravan becomes detached on a motorway, the consequences can be very serious.
There are many other risks to also keep in mind when you arrive at your destination. For example, remember to secure and locate your caravan in an appropriate safe location. You don’t want to have someone tow it away while you are enjoying a trek up the mountains.
Moreover, most mobile homes and caravans can be broken into easily, compared to a permanent structure like a house. So your contents are at greater risk when you’re on holiday in a mobile home or caravan.
Talk to the Insurance Specialists at Britton Insurance
Remember that if you need any advice or assistance when choosing the right insurance policy for your mobile home or caravan, our insurance consultants are just a call away. We will find the best cover and premium available to us, for your specific requirements.