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If you own a caravan, you will without doubt need a specialist caravan insurance policy to cover it, or risk losing what is probably the third largest asset and investment you posses, after a home and car. Caravans are at risk from many perils not least fire and flood, but are also at risk from very different hazards depending on whether the caravan is of touring or static nature. Insurance policies for each type of caravan reflect these risks and each type offers a different underwriting proposition covering specific risks that a caravan might face. Static caravans are often used as temporary buildings when housing alterations are being carried out, but more often as an investment on a holiday park near the sea. One doen't have to look back too far to remember the videos of the devastation caused to caravan parks around the country by extreme weather events such as storms and coastal flooding. Images of static caravans being washed away and picked up by

When shopping for insurance, it is essential for you to take a number of factors into consideration. Failure to do so may mean that you do not acquire the right insurance for your caravan. The primary consideration to make when buying insurance is the cost of the cover. In addition, you will need to understand precisely what you will receive in return for the price that you pay out. If you fail to select adequate insurance cover for your caravan, you could lose the money that you invest in your caravan in the event that it is stolen or accidentally destroyed in some way. Your chosen caravan insurance policy should include replacement of old for new. It must cover all of the fixtures and fittings, furnishings and contents of the caravan. In the event that these parts of your caravan are stolen or destroyed, you should be presented with replacements at the current market cost of the items. This old for new coverage may only be available on caravans of a certain age

One of the biggest gripes from customers about insurance is probably "well they add on all of those expensive add on products that you don't need" and this is particularly prevalent with motor insurance. Those experienced caravanners who have caravan insurance, however, will know that there are very few additional covers that can be applied to caravans. The caravan insurance policies are normally "all in one" standard covers with standard protection for fire, lightning, earthquake, storm/flood, theft and attempted theft, accidental damage and malicious acts or vandalism with other covers that the levels vary between insurers. One example of a caravan insurance add-on however is legal expenses. This type of cover has become very popular in the last few years as society has become more litigious and the suing culture is increasing rapidly. The base cover under a touring caravan legal expenses policy is for an amount of c

With the weather turning warm, people everywhere are breaking out their favorite summer "toys," including recreational vehicles (RVs), boats, motorcycles and all-terrain vehicles (ATVs). Unfortunately, you can't assume that your part-time vehicles are properly insured under an existing auto and/or homeowners' insurance policy. And rather than simply tacking these substantial investments onto another policy, it's best to look into policies designed specifically for each. RV Insurance Insurance coverage for RVs such as travel trailers, motor homes, fifth wheels, and truck campers offer protection that ordinary auto insurance doesn't offer. Here are a few reasons to consider RV insurance in addition to your auto insurance policy: Roadside Assistance: Even if your auto policy covers some roadside expenses, it may not cover towing that big, heavy RV - leaving you to pay the bill. Financial Protection: Insurers that offer RV coverage of

For owners of ATVs, getting ATV insurance is the single most important thing you can do. While many people feel that an insurance policy for their ATV is unnecessary, it can save you money and offer you protection in many differing ways. ATV insurance is essential, even if you plan on keeping your ATV off road. Follow these tips for choosing the right ATV insurance. An ATV coverage policy provides protection in the event of bodily injury occurring while riding the ATV. This, alone, is reason to have an insurance policy on your ATV. Injuries are pretty common on ATVs, as they can be dangerous. For this reason, you will want to be certain that you are protected in any case of injury. Once an injury occurs, medical costs can increase by the day. If not covered properly by insurance, you may wind up paying thousands of dollars out of pocket because of an ATV injury. Another area of coverage in an ATV policy is property damage.