A caravan is a popular holiday and weekend activity in the UK.
However, do you have a basic understanding of the insurance requirements for caravan insurance?
If you’re new to caravanning, there are some things you should be aware of.
Tow bars (or roof racks) are considered modifications by insurance companies and must be disclosed when applying for insurance. It is not a good idea to assume that your car insurance covers you for towing your caravan. If it does, you need to check whether there are any weight restrictions.
Also, check your driver’s license to verify that you have the right to tow. The law has changed twice since 1997.
If your test was passed before 1997, you are allowed to tow any item whose combined MAM (Maximum Authorised Weight) is not greater than 8,250kg. Maximum Authorised Mass is the maximum weight that a trailer or vehicle can carry. This is determined by the vehicle manufacturer and includes vehicle weight and maximum load.
You can only have a combined MAM limit of 3,500kg if you pass your test after 1997. The trailer MAM cannot exceed the unladen vehicle’s weight. You must also pass an additional driving exam to be eligible for category B+E (Car-Trailer combinations) and all other larger vehicles.
Drivers who have passed a category B (car-small vehicle) test in January 2013 can tow small trailers up to 750kg and trailers up to 750kg, provided that the total weight of the trailer/towing vehicle is not more than 3,500 kg Maximum Authorised Mass (MAM).
Your car must be the right size and weight to carry the caravan. Land rovers are popular for this purpose. However, you need to make sure that your Landover’s policy covers towing. Therefore, you must still declare modifications to your vehicle as described earlier in this article.
Keep in mind that your car insurance will not cover damage to your caravan or theft. It will only cover third-party claims in the case of an accident.
The Camping and Caravanning Club website can be a great resource for information if you’re new to caravanning.
The UK’s house prices are rising and it is becoming a popular way to invest in property for rent. This can be used to generate income or to secure a pension for the future.
It is crucial for new landlords to be aware of their obligations and how they can protect themselves against potential problems when letting properties to tenants.
Income can fluctuate as there could be periods when flats or houses are not occupied. Damage to properties or their contents may also be a problem that needs to be fixed.
Special types of insurance for landlords are available. They cover three main areas that are similar to the ones for owner-occupied property. Visit https://towingreseda.net/how-to-tow-a-vehicle-in-an-emergency/ to read about How to Tow a Vehicle in an Emergency.
These insurances cover Landlords’ buildings, Landlord’s Contents, and Landlord Liability.
Buildings insurance will pay for the cost of repairs and any damage to the property’s structure. The policy should also pay for the costs of rebuilding the property in case of severe damage.
Landlords Content Insurance is required if the property is let partially or entirely furnished, or has kitchen appliances installed. It covers the cost of replacing or fixing furniture, fixtures like carpets, kitchenware, or electrical items such as TVs. It does not include tenants’ personal possessions.
Landlords’ liability insurance covers tenants and visitors against any injury or damage for which they may be held responsible.
There are also a few additional items landlords might want to be covered by their insurance policies.
Rent guarantee insurance is the most important to protect against income loss from unreliable tenants and property emptying between tenancies.
If a landlord is involved in a legal dispute, they may need to pay for legal expenses.
It is possible to get home emergency coverage in place to quickly fix a problem like a property’s gas, electricity, heating, or water supply. It is crucial to ensure that the Cheapest Low-Cost Insurance you choose covers all of your needs. Also, be sure to read the fine print to see if there are any restrictions or exceptions.