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One from the most important though overlooked issues with caravan insurance is the desire to have public liability cover. This can be part of most caravan insurance packages for the limit as high as ?2 million for an incident involving your caravan which you are deemed responsible for. This cover is particularly important because of the current climate where "suing" 's almost second nature with the accident firms that exist using their "no win, no fee" adverts. We have all seen the adverts on tv and it's a booming business, so your own protection is definitely a wise idea. The insurance which you have covers any amounts you have to legally pay for things such as accidental bodily injury, accidental loss or damage to property that derives from your ownership of the caravan.

For example, when your caravan was to cause damage on the site to another caravan, this cover is provided for exactly this type of incident. For static caravans the site that you just are on will probably request which you hold this protection for at least ?Two million and will ask to check out a copy of your insurance certificate to prove it and can keep this on file for their records. This post is normally stated on your own insurance schedule and a full explanation from the cover is set in your policy booklet. It is also very important that you can you can keep them along with you while you're touring around or when you take presctiption web site with the static van.

Some insurers will automatically extend to add European cover, which is usually the United Kingdom (England, Scotland, Wales, Northern Ireland, the Isle of person as well as the Channel Islands), the european countries, Norway and Switzerland, and the public liability, although this is not absolutely the truth. Anyone liability reaches up to these geographical limits but it is always best to look at the cover before to be sure adequate protection. Another major point to consider is that, despite many assumptions & misconceptions on the contrary, public liability on your way is definitely protected by your vehicle insurance and not by the caravan insurer. This is because your car insurance coverage is a lawful obligation & covers you for damage you induce to other motor vehicles, bodily damage to others etc, again, typical limits of 2 million or five million. Any damage caused on your caravan or contents, however, is protected. As an example when your van was damaged or scraped by another vehicle your insurer will supply specific protection for these eventualities. It must be said that, occasionally sometimes car insurance providers may incorrectly advise their clients that your caravan insurer must provide the public liability cover when towing, forgetting that there's no rule in law that makes caravan insurance compulsory.