Travel Insurance 24

People like to get a bargain, so looking out for the cheapest caravan insurance may be high on their priority list and theres nothing wrong with that.

Trying to save a bit of money is perfectly understandable – particularly when things are tight, so those headlines offering the cheapest caravan insurance may seem very attractive.

When looking at these cheap deals though, you may wish to bear in mind that the cover they provide may not give you the protection you would like to have.

You may also need to factor in variables such as:

• the age and value of your caravan and its contents, fixtures and fittings;
• new for old versus market value replacement;
• whether you use your caravan exclusively in the UK or take holidays abroad in it too;
• your annual mileage, as limits may apply to some policies;
• age limits for drivers;
• the level of excess you may be expected to pay in the event of a claim;
• UK and continental breakdown and recovery arrangements

Everyone may have their own ideas about what constitutes cheap caravan insurance. W

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Touring caravan insurance is typically easy to understand and selecting a product suitable for your particular circumstances should not be too much trouble. Even so, given the probable value of your caravan, it is subject worth taking seriously.

Definition of touring caravan

In terms of the fine detail, some insurers may use different definitions to others.

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Static caravan insurance provides insurance protection for both the fabric and contents of a static caravan.

A static caravan is typically defined as being one that is a semi-permanently located on an approved caravan site. It is used for a few weeks per year for the purposes of recreation and holidays, although some insurance may consider this to include renting it to others for their holidays.

If you live in a park home, this will, by contrast, be defined as being your permanent place of residence and is typically located on a local authority approved park home residential site.

You cannot use static caravan insurance for park homes or vice versa.

Static caravan cover may come with some basic conditions as follows:

• some policies may demand that the caravan is located on a site that does not have a documented history of flooding;
• when the caravan is closed up for the winter, you may be obliged to drain down all water and heating systems accordingly;
• you may find some restrictions in terms of high-value items of personal possessions stored as contents (e.g.

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I know she’s cute, I know she’s the fuzziest, cuddliest and sweetest thing you’ve ever seen. But the fact is – no matter how sweet, cute or fuzzy – any dog will bite, given the right circumstance. In fact, most dog bites received by people are from their own dog or one they know. So what can a dog owner do for insurance against dog bites? Here are some helpful tips:

Dog Bite Prevention Tip 1: Select your pet carefully. Many dogs, especially puppies, are selected on emotional impulse. This can be a mistake if you don’t know what behaviors and tendencies to watch for. In fact, be

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