Caravans & Park Homes
Caravans & Park Homes
Caravan insurance is optional, and whilst you do not have to have the cover, caravans and their equipment can be costly to replace should the worst happen.
Uncomplicated straightforward cover easy to understand. The following covers are commonly included:
- Theft of caravan and/or contents
- Accidental damage
- Accidental damage whilst being towed (Touring)
- Fire Damage
- Flood Damage
- Storm Damage
What’s the difference between ‘New for old’ and ‘Market value’?
‘New for old’ means your caravan would be replaced with a brand new caravan of the nearest specification if it is written off. When entering the value, this needs to reflect the current brand new price.
‘Market value’ means your caravan will be insured for the current caravan value taking into consideration the age, specification and condition of the caravan.
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Public Liability
Public Liability Insurance protects you if clients or members of the public suffer personal injury or property damage due to negligence caused either by you, a member of staff or failure to maintain your premises in a good state of repair. It can pay for the costs of subsequent legal expenses or compensation claims.
Employers’ liability
Employers’ liability insurance protects you against the cost of compensation claims arising from employee illness or injury, sustained as a result of their work for you.
Efficacy Liability
Efficacy Liability is insurance against the legal liability for injury to third parties or damage to third party property arising from a product or service failing to perform its intended function. This is not to be confused with Manufacture’s defectiveness.
Professional Indemnity
If you are alleged to have provided inadequate advice, services or designs to a client, professional indemnity insurance provides cover for the legal costs and expenses in defending the claim, as well as compensation payable to your client to rectify the mistake.
Frequently Asked Questions
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