We all know that the most significant test of the high quality of an insurance policy or insurer is when you need it most, and that is in the unfortunate occasion of a claim. Caravan insurance is no diverse and in the occasion of a claim you require to know that you are backed up by a professional service that treats you fairly, swiftly and appropriately. It is critical when purchasing caravan insurance to preserve a copy of the documents and policy wording and to take this with you when travelling. These documents will give a manual as to what to do in the event that something goes incorrect, and the important numbers to make contact with.
With your insurance you will typically have purchased the cover by way of an insurance broker or by way of a direct insurer, this is essential as this will have an effect on who you want to contact. With an insurance broker or intermediary you can either contact them as your agent, or in the majority of instances you will be passed straight to the insurer. This will mean that you get instant advice from the caravan insurance provider as to the greatest program of action and generally a claim kind will be sent to you to comprehensive. It is also general practice that you will need to have to offer 2 estimates for the repair of the caravan to show the costs are accurate.
It is common that insurers will require notification of an incident inside 30 days of occurring, or 7 days in the case of a riot or civil commotion, although it is constantly very best to advise the insurer as quickly as achievable. Right after all, this will speed up the process and lead to a swifter conclusion which is what will make every person happy.
Many be concerned that the claims kind will be pages and pages lengthy, but in reality several caravan insurers have a 2 or 3 web page document, which only requests the important info required to process the claim and the details.
It is critical to note that each insurer suggests that you can take all sensible measures to avert or lessen the threat of a loss. In other words if there are emergency vital repairs necessary which will lessen the amount of the claim then you are able to carry these performs out. Once again this can only be seen as a good for every single celebration but it is very best to maintain any receipts for works carried out for the insurer records and your own.
One of the far more prevalent claims, especially in the winter months is for harm to awnings, and it is vital to note that if you are not with your caravan you need to take any awnings down. These things are extremely fragile and not meant to be employed in stormy circumstances, and there are no insurers that will offer cover in these circumstances (it is recognized as uninsurable as it is an avoidable predicament).
The basic suggestions that we would give is to check your policy documents really carefully and query something that you are not clear on, it is very best to ease your mind on these issues.
There is considerably far more that we could compose about claims, but in real terms as talked about at the beginning, the best caravan insurers place claims at the leading of their agenda and show a genuine dedication to service, immediately after all what are you paying for otherwise?