Caravan holidays, or motor-home holidays, are an ever-more popular option chosen by people enjoying their days off. A caravan provides great freedom and autonomy to travel to many cities and hidden places. In short, having a vehicle that becomes your accommodation, or your home for months, brings only benefits. But for this to be possible you need to have good caravan insurance. Here we will tell you all you need to know!
Insurance for caravans and motor-homes
Travelling by caravan is an economical way to gather your whole family together to go where you want, whilst enjoying many hours together! From the Villamar campsite in Benidorm, we want your vacation to be a success without any hidden dangers, and for this to happen, you need caravan insurance. For this reason, in this post we are going to tell you about the benefits of basic caravan and motor-home insurance that you need. With this you will have the peace of mind knowing that your second home will be safe, as will you. Read on to discover these benefits!
Caravan insurance, the essentials
If you own a caravan, you must always consider its Maximum Authorized Mass (MMA). If it is less than 750 kg. it is necessary to inform the insurer of the car that will tow it. In this way, the vehicle insurance will cover the damages to third parties. If, on the contrary, your caravan has an MMA of more than 750 kg. then it will have to have its own insurance. The cheapest insurance is third party insurance, although it can be expanded if more coverage is required.
We recommend that your insurance be as comprehensive as possible. For both MMA classes there is the option of full-risk insurance as well as roadside assistance, it’s worth it!
If, on the other hand, your vehicle is a motor-home, we also tell you about the basic insurance you should have, keep reading!
Motor-home insurance is different than that of caravans, since they are independent vehicles and need a specific insurance. There is a wide variety of different models in terms of power and performance. Because of this, you will not find a universal insurance that encompasses all, and coverage and price vary. But don’t worry, here we help you find yours!
As with caravans, third party insurance is the most economic, and therefore the most basic. This includes supplementary civil liability, defence and claims for damages .From here, add the options that complement it, such as fire, theft, natural phenomena, total loss, own damages with deductible or own damages without deductible, you choose!
An insurance company will offer you all these options. However, depending on the company you can also add breaking windows, both the vehicle itself and the caravan, and travel assistance, either by breakdown or accident.
What to keep in mind when choosing among so many alternatives
Here at the Villamar campsite, we advise that if you own a new motor-home, you should insure it for third party damages as well as fire, theft or loss. But, if your vehicle is already a few years old and you prefer to pay cheaper insurance, the best option is only the third-party damages.
When choosing the theft supplement in the policy, look carefully at the items included in this. The luggage and utensils that your factory motor-home does not have as standard are not included. However, elements declared in the value of the insured vehicle such as awnings, panels or lots should be covered.
If you are an adventurer, roadside assistance is highly recommended. It includes the towing of the vehicle to the nearest place that can carry out a repair nationally as well as international. In the most serious cases, the costs of repatriating people and the vehicle are also included. What else can you ask for?
As we have said, each vehicle is different, and you will see many options, so it is difficult to find the ideal one for you. So, to avoid any risk, we recommend that you consult a professional to enjoy your caravan or motor-home with complete peace of mind.
Now that you have entered the world of caravan and motor-home insurance which are essentials for your trip to be a success, you only have to decide where your next destination will be. Let the journey begin!