3 Types of camping insurance everyone should consider
People who love camping really love camping. During warm weather, and even not-so-warm weather, everyone that knows you know all too well that you’re probably out there in nature somewhere, soaking it all in.
Whether you’re a tent, motorhome, caravan, or campervan camper, you love being in the great outdoors. You love cooking over a fire, listening to the sounds of nature, sleeping under the stars, and waking up somewhere new.
However, even if you’ve been camping all your life, camping insurance may have never even crossed your mind. Depending on what type of camper you are, you may not even know it exists, and even if you know about it, you might not know all that it covers.
The fact of the matter is, camping insurance can save you in a million ways and it’s well worth the cost. Even if you’ve never had an emergency when camping before, you never know when one will arise, and camping insurance will help you to make sure you are ready.
Read on to learn everything you need to know about insurance related to camping. When all is said and done, you’ll wonder why you never had it before, and you’ll be sure to invest in it in the future.
While camping, many types of emergencies may arise. Weather can be unpredictable and can damage your equipment or shorten or cancel your trip altogether.
Somewhere along the way, personal items could be lost or stolen and you may need to replace them right away.
If you camp in a motorhome or caravan, your stove, refrigerator, heater, or air conditioner could break and you could find yourself in need of quick service to repair things.
The thought of someone getting injured while camping with you is a terrible nightmare, but accidents do happen. Some types of insurance will cover medical care for your friend or family member.
Three Different Types of Camping Insurance
There are several different types of insurance to discuss when it comes to getting coverage for a camping trip.
You may choose to purchase just one type, but some situations call for all three. Which types of insurance you need depends on where you will travel, the type of camping you do, and the value of your equipment.
1. Travel Insurance
It’s always wise to purchase travel insurance when you travel, even for a short and semi-local trip. Many things can go wrong when you travel or even before you travel, and purchasing travel insurance will give you great peace of mind.
There are many reasons that travel insurance is a good idea for any type of trip. Most policies cover emergency trip cancellation for sickness or injury or other reasons. People who buy travel insurance can be reimbursed for costs incurred when there are travel delays or interruptions. Also, if your luggage is lost, stolen, or delayed, travel insurance covers that, too.
Travel insurance is usually quite affordable and is charged on a day by day basis and other factors like your age and destination. No matter when or where you travel, travel insurance is a good idea.
2. Camping Insurance
If you camp regularly, you may want to look into purchasing a camping insurance policy. The cost of insurance for camping is very affordable; these policies cost almost nothing and the policy will protect your belongings for a full year.
The coverage that camping insurance offers is broad. Your camping equipment including tents and tent parts, awnings, cooking equipment, camping furniture, and bedding are all covered under a camping insurance policy. Gas bottles, batteries, and generators are also covered, and if you use an inflatable dinghy for fishing or enjoyment, it is likely included as well.
Further, any personal effects you take with you on your camping trip are covered also. If audio equipment or personal items are lost, stolen, or damaged, you can be reimbursed with a camping insurance policy.
Your insurance also covers the belongings of your companions if you are camping with family or camping with friends.
Considering the small cost of camping insurance, and the great expense of high-end camping equipment, a camping insurance policy is well worth it. In most cases, it will pay for itself time and time again.
3. Camping Vehicle Insurance
If you prefer to sleep inside and raised off the ground when you go camping, chances are you own a motorhome, caravan, or campervan. Each of these vehicles will benefit from a good insurance policy time and time again.
Camping vehicles are strong and durable, but they are subject to the elements and in our enthusiasm for camping, we are often tough on them. Frequently, different parts of these vehicles require repairs.
When you purchase insurance for your camper, you don’t have to worry as much about the obstacles that you encounter along the way. You will be able to easily afford the repairs you need so you can continue your adventure.
Motorhome insurance covers the cost of repairs on your motorhome and the personal belongings that you keep inside of it while you travel. If you break down on your trip or lose your keys along the way, these things will be taken care of quickly and smoothly so you can get back to your vacation. You’ll also receive not-at-fault accident coverage as well.
More and more people are traveling by campervan these days, and these vehicles need insurance coverage, too. Campervan insurance mirrors the coverage offered by motorhome insurance because they are similar vehicles.
Some people love the freedom and spaciousness afforded by caravan camping. Caravan insurance is available for touring caravans, trailer tents, and folding caravans. All of these vehicles are towed behind another vehicle; they are not self-propelled, and therefore the insurance for these campers differs somewhat from motorhome and campervan insurance.
Caravan insurance covers damage to or loss of the caravan and the belonging inside it. These losses could be due to weather, theft, natural disasters, or other causes. People who purchase caravan insurance are also covered for injury or illness of the driver or injury to pets as well.
Are You Already Covered?
The cost of insurance for all of the above options is low when you consider how much you could be reimbursed if you experience emergencies while camping. Even a single incident could result in a payout that covers many years of the cost of insurance. Insurance for camping is a wise investment.
However, before you buy, make sure you aren’t already covered. In some of the above situations, you may already have coverage under some other option.
Travel Credit Cards
Many travel credit cards offer coverages similar to the coverage provided by simple travel insurance. Every card is different, but if you read the fine print or call for assistance, you may discover that your credit card covers you for lost items while traveling, sickness, cancellation, and other emergencies.
If you are already covered by your credit card for these things, you may see no reason to buy further coverage. However, be sure to do your homework because sometimes the coverage offered by credit cards does not cover all situations that a travel insurance policy would.
Personal Liability Insurance
Personal liability insurance is not popular in the UK because personal liability claims are rare, but some people choose to purchase it anyway if they participate in high-risk activities.
If you already own a personal liability insurance policy, some camping insurance might be redundant. Ask your insurance agent what he or she thinks for more advice in this realm.
The Best Camping Insurance for You
The best camping insurance for you depends on your situation. If you are a tent camper and mostly camp near home, then camping insurance is probably all you need.
If you take a camping vehicle out when you go camping, then you will certainly want camping vehicle insurance of some sort; it should cover most of the issues you may face. When you travel long distances, you may also want to buy travel insurance as well to make sure you are fully covered for that specific trip.
The same goes for tent campers who travel abroad for camping. The camping insurance will protect your equipment and belongings, but travel insurance will help you if you need to cancel or delay your trip as well.
If you are unsure about which types of camping insurance apply to you and which ones do not, we would be happy to answer your questions and to help you determine the best coverage for you. We offer many different types of insurance and have been in the camping insurance business since 1993.
Please give us a call today. We can’t wait to hear from you soon!