Oliver Grove, London ( prsafe ) February 13, 2012 - Before signing up for a new caravan insurance policy, make sure you really understand the general conditions. Are they really so generalised?

The following information is a valuable aid in avoiding potential pitfalls of non compliance or issues that could be costly to you, in the event of a claim on the caravan insurance policy.

Like all types of insurance cover, it will have a general policy wording which affects all policy holders, as well as having the basis of the insurance contract, a schedule of insurance noting specifics of the policy holder, personal and caravan details and any specific endorsements if relevant.

As part of the general conditions there are some basic conditions which will apply to insurance contracts generally. One example of these basic conditions is that you are taking all the reasonable steps possible to reduce the amount of a loss. What this would mean in terms of damage to a caravan is that the owner would undertake to get any urgent repairs done in order to reduce the size of the claim. Another basic general condition is that if it is proven that a claim is either exaggerated or fraudulent, then the cover would be cancelled.

Next let's look at more specific general conditions that can be required by different caravan insurers. Security requirements are a good example of this. Each insurer can have varying requirements regarding security, but these are considered to be general conditions. Some may require that higher value caravans have trackers. The vast majority of insurers insist that there is a wheel clamp and, or a hitch-lock attached to the van, in the instance of it being unattended.

Although the general conditions may seem like they can be glossed over, as the title -general- could make them sound unimportant, in fact the opposite is the case. Actually it could be a general condition that could trip you up in the event of a claim. Going back to the security issue, trackers can be required on certain makes as well as values of caravans.

The vast majority of insurers put an excess into their policies. The excess is the amount which will be deducted from the final amount of a claim, if one to arise. This is often a figure of around £100.

Another common issue is the awning. If you leave this up and the caravan is not being used, then this can cause problems with the policy in the event of a claim.

These are a few examples of some of the crucial information that should never be glossed over in the general conditions of the caravan insurance policy. It is not an exhaustive list but can be seen like a warning light!

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