tuningblog.eu Your magazine about tuning the car
RVs and caravans are often exposed to extreme weather conditions. The recent storms and floods in Europe underscore the risk. It is therefore essential to familiarize yourself with appropriate insurance options and ensure that campers are protected in the event of damage. elemental damage result from forces of nature such as Storm, Hagel, lightning strike, Earthquake, avalanches, Flooding and volcanic eruptions. Hail damage is particularly common in mobile homes and caravans. Therefore, experts advise at least partial insurance complete, since this type of damage often with a pure liability insurance is not covered. It is also important to note that accessories like awnings or awnings must be stated as such in the insurance application.
Storm and hail damage
There are recommendations on how to behave in a storm. While storm warnings do not necessarily require moving away, it is advisable to avoid vulnerable areas during flood or avalanche warnings to leave. Caution is always the order of the day. Personal well-being should always have priority. And you have to know, by the way, various elements outside of the vehicle are usually not insured. It is also important to minimize damage on your own, eg retracting awnings in the wind or rain. Some types of behavior can be excluded from the comprehensive insurance, especially if the driver's behavior while driving and not the storm itself caused the damage.
notify the insurance company immediately
In the event of elemental damage, the damage should rinse reported to the insurance company and documented thoroughly. Photos, testimonies and other evidence may be useful. The insurer can then send an appraiser to assess the damage. Incidentally, in contrast to liability and fully comprehensive insurance, there are partially comprehensive insurance policies no no-claims classes. There are also special cases where insurance claims may vary, for example when a campsite at risk of flooding is or if it advance warnings gave. Insurers could consider such situations as grossly negligent. It's also important to know how missing or stolen vehicles are valued, usually by proof of purchase or others Invoices.
Discounts for fiberglass plastic roofs
Incidentally, hail damage is not an issue with camping vehicles due to their construction more often. Such damage can range from slight dents to deep dents or holes. That leads to impairments or required repairs. Insurance companies often offer discounts if the vehicle is fitted with a more resilient one Fiberglass plastic roof equipped as it is less susceptible to hail damage. In summary, it is for motorhome and caravan owners of highest importanceto find out all you need to know about the right insurance to protect you against the financial impact of storm damage. Knowing how to behave in the event of a storm is also important to protect both yourself and your vehicle.
Insurance knowledge: Storm and hail damage to caravans and mobile homes
- weather influences: Vehicles are exposed to the weather when traveling and when stationary.
- Season: Heat thunderstorms and hailstorms occur particularly from April to September.
- elemental damage: Damage caused by forces of nature, eg storms, hail, lightning, earthquakes, avalanches, floods, volcanic eruptions.
- Most common damage: Elemental and especially hail damage.
- insurance recommendation: Take out at least partial comprehensive insurance.
- Accessories: Attachments (e.g. awning) must be declared to the insurer.
- behavior in bad weather: Self-protection is a priority. If there are concrete warnings, leave the danger area.
- camping set: Not covered by vehicle or contents insurance.
- Storm damage: Precautionary retraction of the awning recommended. Awnings are at risk in gusts of wind.
- Damages Caused: Damage caused by the driver's behavior (e.g. gust of wind) is only covered by fully comprehensive insurance.
- claims settlement:
- Report damage immediately.
- Documentation of damage required.
- Appraiser can be used.
- Partially comprehensive damage does not affect the insurance premium.
- exclusion: Heavy rain is treated differently than flooding.
- FAQ:
- Before warnings and uncertainties, get the vehicle away early.
- In the event of loss of the vehicle: assessment through receipts.
- In the case of natural disasters: It is important to coordinate with the insurer before repairs are made.
- Storm with at least wind force 8 for partial coverage.
- Not insignificant damage at the time of sale.
- hail damage:
- Camping vehicles are vulnerable.
- Damage varies from light dents to deep dents.
- Discounts possible if the vehicle has a more resistant roof.
- Many manufacturers rely on more robust GRP roofs.
Of course, that wasn't the end of it!
tuningblog has many more news around the topic Camping and RV at the beginning. Do you want to see them all? Just click HERE and look around. Our focus is especially on converted Campers & mobile homes. This means that you will find fewer reports on classic standard motorhomes here, but much more we try to present specially modified specimens that show that the topic is also Tuning is represented in the camping & RV scene. Below is an excerpt of the last campers and mobile homes.
