A caravan is considered a vehicle in its own right, so it is simply mandatory to have it insured. However, everything depends on its weight and use. What are the mandatory minimum guarantees? And those that are not?
Whether your caravan remains in the garage without ever driving, using it in a fixed space or running roads, it must always be covered by at least one year-round liability Says the Insurance Code.
Ensuring a caravan in circulation: a question of weight
Regularly, you go to adventure, your caravan behind your car to enjoy the campsite. Third-party liability insurance is therefore compulsory, but the latter will vary according to the GVWR, the total authorized weight of your caravan:
The PTAC is less than 500kg: Just contact your car insurer to add the caravan to your contract.
The caravan will not need to have its own registration.
The PTAC is between 500 and 750kg: The caravan can be there also covered by the insurance of your car, but will have to be registered and have its own gray card.
The GVWP is more than 750kg: In this case, you must take out insurance that is independent of the vehicle, have a registration card, a license plate, and also an automatic brake system for uncoupling during the circulation.
A caravan corresponds to a towed vehicle, the insurance will be generally the same as in the case of a trailer. Most of the time it is simpler to contract your caravan insurance with its car insurer.
During a vacation, the owner will provide the insurance three quarters of the time and, if not, you will still be able to take out a temporary insurance (two consecutive months or school holidays) as In the case of renting a motorhome.
Finally, take care that your caravan’s GVW is not greater than the unladen weight of the towing vehicle and that the sum of the GVWR of the towing vehicle and the trailer does not exceed 3,500kg, in which case you will have to Be in possession of an EB permit.
Insure a fixed caravan
Even if it does not run the roads with you the time of your holiday, your caravan must also be insured. You understand that, whatever the situation, as in the case of a car, you will not be able to ignore the insurance. It all depends on the use made of this fixed caravan:
- Your caravan does not circulate: Whether it stays in your garage or in a guarding area, it will be enough to contract a civil liability insurance with your car insurer. An endorsement to your contract may be required. Be careful, however, any goods you have left inside are not covered.
- Your caravan does not circulate but serves as a dwelling: In addition to the liability insurance you will have to take out a standard home insurance, as for a house, with preferably guarantees against theft, fires and explosions, water damage , Storms and natural disasters to deal with all eventualities.
The Interest of Additional Guarantees
Exactly as in the case of insurance of a car there are additional guarantees to which you can subscribe, for example under an all-risk insurance:
- Assistance with franchise 0km
- Damage and accidents
- Ice break and vandalism
- Fire and Explosions
- Flight
- Burglary: This warranty may be useful for securing objects inside the caravan
- Storm
- Natural disasters and attacks
Legal protection, in case of dispute when buying, renting or repairing the caravan
Take particular care that your insurance covers your caravan even when it is unharnessed!
If you have to insure a caravan, take the time to compare the offers of the different car insurers before changing insurance, because not all offer the same prices and the same guarantees.
The post Caravan Insurance : How to insure your caravan? appeared first on insurance,auto insurance,health insurance,Motorcycle insurance,Home Insurance,Animal insurance.
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