Caravan Insurance intermediaries are often asked why the policies that they arrange exclude third party insurance when the caravan is being towed. The short answer to this is because as there is a legal requirement for a minimum level of third party motor insurance to be in place on the towing vehicle and any trailer that it is towing in a public place. Therefore third party cover must already be provided by your motor insurance policy. Caravan policies typically specifically exclude third party cover while the caravan is attached to a towing vehicle to remove any possibility of misunderstanding or possible dispute.

A longer explanation may help caravan owners to understand the law and why insurers exclude third party insurance from a caravan when it is attached to a towing vehicle.

There is an important a legal requirement in the UK for a minimum level of motor insurance and if you are towing a caravan or trailer then your towing vehicle must have third party motor insurance and that insurance must cover you for towing the caravan in a public place. This does not mean that all motor policies must offer this type of cover for towing, what it means is that you must ensure that cover is in place for towing before you tow your caravan. When you attach a caravan or in fact any trailer to a motor vehicle, in legal and insurance terms, that caravan or trailer has become part of the towing vehicle. Any damage the vehicle or caravan does to a third party must be insured under your motor insurance policy. Since you absolutely must have third party motor insurance in place which covers the towing of a caravan your caravan must by definition have third party insurance provided by that policy. It is therefore to your advantage for your caravan insurers to make it absolutely plain that your motor insurance and only your motor insurance is to provide third party cover while your car is attached to the caravan.

Motor Insurance is a special type of insurance because of these minimum requirements and it has to be registered on the MID (motor insurance database) which is used by the Police to instantly check insurance details logged against a vehicle registration number.

Some people worry that all of this means that they only have third party cover for their caravan when it is being towed. If you don't have any caravan insurance then this is the case but if you have comprehensive caravan insurance, which includes accidental damage, and you are involved in an accident then you would claim against your caravan policy for damage to the caravan. If there is a third party involved the caravan insurer may decide that fault may lie with the other party and seek to recover the cost of the accidental damage claim from them. In this situation, if fault is established, it is relatively easy for you to recover any excess that you have paid from the person who is at fault. If you are at fault your caravan insurer would still deal with your accidental damage claim for the caravan but any claim for any damage your caravan did to a third party would be dealt with by your motor insurer.

Since it is a legal requirement for you to have third party insurance to tow a caravan it is essential that you check that your motor insurance does in fact provide this cover. It is unusual for a motor insurance policy to not include towing cover but some categories of insurance are more likely to exclude it. For example motor fleet policies may exclude it and if your car is provided by your employer you may have to ask them to add towing cover for your car. Whatever the case it is up to you to ensure that you have insurance to tow before you hitch up your caravan and take it into a public place.

Driving without insurance is a relatively serious motoring offence and you may be prosecuted for this offence if you are stopped while towing and your motor policy does not cover you to tow your caravan. It is easy to make sure that you are fully insured to tow your caravan. Just check with your motor insurer and make sure that you buy comprehensive caravan insurance like that provided by Caravanwise.

Technorati Tags: Caravan Insurance

UK Caravan parks are preparing themselves for what they hope will be a sizzling summer as holiday makers favour holidays at home instead of going abroad Caravan Park owners are experiencing higher than average bookings for their summer season and many attribute this to the credit crunch. It appears the cost of foreign travel has now made the british holidaymaker opt to remain in the UK to save their money. Sales of caravans had also increased. Dennis Smith, who owns Hillhead Caravan Park at Kintore, Aberdeenshire with 120 vehicle storage area said an increasing number of families were buying caravans and storing them on his site which has now a waiting list of up to a month which is a 30% rise in figures from last year. He said "I would say people have decided hat caravan holidays are cheaper and less stressful than going abroad, many of them want to try the freedom of caravaning"

He added that the credit crunch however has not prevented people from buying the largest caravans available rather than buy a cheaper second hand one and regularly upgrade. Aboyne Loch Caravan Park on Deeside said that young couples and groups of young people were choosing to camp and the warden reported that more people were choosing to book their caravans in for the whole season. In Burnside Caravan Park at Fochabers, the season has already started as high numbers of visitors look for somewhere to park their touring caravans. A spokesman said "It is just the cost of going abroad, people are getting fed up and are preparing to stay at home". He predicted that the number of foreign visitors would also rise.

"It is more favourable to them now with their exchange rate, for the last couple of years it was not cost effective for them but now it's equalised "This positive effect however is not being felt elsewhere in the industry; John Campbell who sells static caravans at Thurso said that sales had dropped dramatically since the start of the recession. "We don't have lots of sites up here for static caravans" he said, "We sell to people building houses who put the caravans on the site but we have hardly sold anything since December".

By Chris Needham

Caravan Insurance
Income Protection Insurance

Article Source: http://EzineArticles.com/?expert=Chris_Needham
http://EzineArticles.com/?Caravan-Parks---More-Popular-As-Holiday-Makers-Stay-At-Home&id=2340428

Technorati Tags: caravan holiday parks, Caravan Holidays, Caravan Insurance

Yorkshire caters for every holiday desire with major cities such as Leeds and York offering shopping and culture, and the Yorkshire Dales offering long walks in idyllic countryside.

If you’re planning a trip to the county this summer, here’s some inspiration for your caravanning break.

Visit the Yorkshire Dales
Home to the Wensleydale Creamery in Hawes. Take a tour around the factory and see how the cheese is made. Sample some of the different cheeses for yourself before visiting the gift shop where you can buy some to take home for friends and family.

Middleham Castle is also situated in the Yorkshire Dales and offers a perfect place to stop for a bite to eat with designated picnic areas. Dogs are welcome too! The castle was once the childhood home of Richard III.

Pitch your caravan at Bainbridge Ings Caravan and Campsite, Hawes.

Visit Haworth
Haworth village, in West Yorkshire, is home to the Brontë Parsonage, which has been preserved as it was when the Brontë sisters lived there and wrote their famous novels. The Parsonage is open to visitors who can take a tour around the home of the Brontës which still contains many of their original belongings.

Take a walk across Haworth moor to Top Withens which was said to be the inspiration behind Emily Brontë’s novel, Wuthering Heights. Haworth also has many shops, cafes, pubs and restaurants.

The railway station in Haworth is on the Keighley & Worth Valley Railway route from Keighley through Oakworth where the film, The Railway Children was filmed. Steam trains run at various times throughout the year.

Pitch your caravan at Upwood Holiday Park, Blackmoor Road, Haworth.

Visit the Yorkshire Coast
The coastal villages of Yorkshire offer the perfect day out for all the family. Whitby is home to the famous Abbey and the 199 steps leading up to St Mary’s Church. For sandy beaches, visit Bridlington or Scarborough. Further north, Robin Hoods Bay has many shops and cafes down its steep winding road down to the sea.

Pitch your caravan at Cayton Village Caravan Park, Cayton Bay, Scarborough, North Yorkshire.

Yorkshire has many attractions across the county so there’s bound to be something to suit everyone in your party. So hitch up your touring caravan and head to Yorkshire!

Article Source: http://www.articlesbase.com/camping-articles/take-your-touring-caravan-to-yorkshire-813891.html

Author: Heather Robinson

About the Author:

Heather Robinson of Caravan Guard Limited. Caravan Guard specialise in touring caravan insurance and motorhome insurance. To sign up for our free e-magazine and receive news and reviews every month, visit http://www.caravanguard.co.uk

Technorati Tags: Camping, Caravan Insurance, Caravanning, Holiday, touring caravan, Vacation, Yorkshire

Caravan insurance is an essential part of protecting your valuable asset. A caravan gives you the open road to explore, provides you with a way to get away from the hectic life you live and, it helps you create a unique way of life for your family. It also needs insurance protection to keep it providing this to you. When you insure your caravan, look for an insurance provider that offers the highest level of coverage to you and is well known for being able to provide quality, reliable service.

Having the right type of caravan insurance is essential. You may require two key types. One type of insurance is Touring Caravan or Trailer insurance. This type of insurance is the most commonly used as it is used for all types of caravans that are mobile or moved. The second is for onsite caravan protection. On site caravan insurance is designed for those caravans that do not move and are permanently at your site.

Coverage Under Caravan Insurance:

In Touring Caravan or Trailer Insurance, the premiums you pay will be based on a moving vehicle. This type of insurance is right for folding trailers, campers, demountable camper units, and slide on campers as well as horse floats. This type of insurance provides for coverage based on the agreed value of the caravan. It usually provides protection of all types when you are on the road or off, but is limited to use within Australia. Your basic policy will include a small amount of cover for the contents of your caravan, but you may want to consider adding additional value onto the policy here to cover your contents based on what you have in it. Most policies also provide you with temporary accommodations when you cannot stay in your caravan.

With on location caravan coverage, instead of motor vehicle insurance, you possess more of a home kind of insurance protection. This kind of protection gives many similar advantages, though. For example, the caravan insurance will be based on an agreed value that is fixed upfront. A majority will give you standard caravan content insurance however this could be a minimal number especially for static locations.

Questions for Your Provider:

When getting caravan insurance, it is essential to consider the costs of the plan but also the amount of covered provided to you. Not all things are inclusive in many of these policies. Be clear with your insurance provider on what is included and what is not.

* What is covered under the comprehensive motor coverage? Areas like accidental damage, fire, flood, keys, liability, storms, theft, vandalism and glass damage are usually included.

* What is not covered? In most situations, the cost of hiring a motor vehicle will not be covered, accidents outside of Australia will not be covered, and accidents that happen because of road cuts, punctures, bursts or braking will not be covered. Most policies provide do not cover mechanical failures either.

* How do you file a claim?

* What method is used to calculate the value of the caravan to determine the amount of cover needed?

Get a good overview of what is available from the company and choose the best policy for you from there.

Ways to Save on Caravan Insurance:

The best way to save on caravan insurance is to shop around and get quotes from several insurance companies to compare. This process only takes a few extra minutes, but will provide you with a clear picture on the real needs you have and the costs out there.

Most insurance providers offer discounts for no claims for an extended amount of time. Also, premiums are often reduced for those who are over the age of 55, which can help you to get a much lower payment.

Beware Before Signing:

With all insurance policies, know what the policy covers and what it does not. Spend some time talking to several insurance companies to find the best rates available.

Additional Coverage to Consider:

With caravan insurance, there are various types of protection available to you to add to the policy. One of the most important areas to consider is not just getting additional types of cover but getting more of it. Contents are generally covered by the basic policy at about $1,000, but this may not be high enough. Also, think over what types of events are covered by your contents insurance.

In addition to this, you may want to consider Hire Car Cover, which will provide you with protection to pay hire car costs. This policy is generally an add-on to the original and basic policy.

Windscreen Option is an additional option which can be added on to your caravan insurance. If you have a windscreen or window glass incident, and that is the only area that has been damaged, the insurance policy will provide you with replacement costs or repairing costs.

Article Source: http://www.articlesbase.com/travel-articles/how-to-choose-your-caravan-insurance-595540.html

Author: Jo Thomas

About the Author:

Insurance Compared works with consumers and businesses providing explanations and information on most sorts of caravan insurance available today. Insurance Compared is working to demystify caravan insurance policies and to foster understanding so that people can find the best insurance for their needs. Learn more at http://www.insurancecompared.com.au/explained/vehicle/caravan-ins.php

Technorati Tags: Caravan Insurance, Caravan Insurance Quotes, Cheap Caravan Insurance, static caravan insurance, Touring Caravan Insurance