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How does camper van insurance work and protect me?

Date Added: November 18, 2011 07:26:04 AM
Category: Insurance directory

How does camper van insurance work and protect me?

Most camper vans have to be insured independently similar to the car counter part. As a car insurance policy, camper van insurance covers the owner or business for eventualities as:

•    Accidental damage
•    Collision
•    Contents
•    Damage
•    Damage to third party property
•    Fire
•    Flood damage
•    Injuries
•    Legal expenses cover
•    Road accidents
•    Theft
•    Water damage

You will need to search for a specialist camper van insurance broker who will be able to provide working knowledge and various insurance options which could save you money.

Some of these brokers have many years of experience and can provide a speedy efficient service. No all camper vans are the same and a single policy will not apply.

Your insurance will also depend upon:

•    Amount of excess you are willing to pay
•    Motoring or caravan clubs you belong to
•    Type of digital tracker systems fitted
•    Type of security alarm fitted
•    Your no claims bonus years

Types of caravans which can be insured are:

•    Motor home
•    Static
•    Touring
•    Trailer tents

Camper vans not being used on government roads do not need to be normally insured. However, if the camper van is going to be used on or towed on the highway, it will normally need to be legally insured. The minimum camper van insurance requirement for ordinary roads is third party insurance. The most common insurance is comprehensive camper van insurance, which will give you additional protection insurance, such as accidental damage, fire, theft and accidental cover. Optionally, you could take out legal expenses insurance, breakdown cover and possession cover. In the end your expensive campervan will be covered by insurance and against substantial financial loss.

Read the camper van insurance term and conditions carefully and store the documents in an easy to find place.
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