Key Considerations for Seniors
Comprehensive Coverage
Look for a policy that covers a wide range of incidents, including:
- Accidents
- Theft
- Natural disasters (storms, floods, hail)
- Fire
- Malicious damage
Contents Coverage
Ensure your caravan’s contents—such as furniture, appliances, and personal belongings—are adequately insured under your policy.
Liability Coverage
This protects you if you accidentally damage someone else's property or cause injury, which is crucial during travel.
Emergency Expenses
Some policies include emergency repairs or towing if your caravan breaks down while on the road.
Excess
Choose an excess amount (the amount you pay when making a claim) that you can comfortably afford.
Age-Friendly Service
Look for insurers that offer senior-friendly support, with staff who understand the specific needs of older customers.
Discounts
Ask about available discounts such as:
- Senior discounts
- Safe driver rewards
- Bundled policies (e.g., combining home and caravan insurance)
Tips for Finding the Best Deal
- Compare Quotes: Get quotes from multiple insurers to compare coverage and pricing.
- Read Reviews: Check customer reviews and ratings to gauge satisfaction with claims and service.
- Consider Specialist Insurers: Those focused on caravan insurance may offer more relevant coverage options and add-ons.
- Understand Policy Wording: Read the Product Disclosure Statement (PDS) carefully to know exactly what is included and excluded.
- Tailor the Policy to Your Needs: Match the policy features to your specific caravan, usage patterns, and travel habits.