What would happen if you were camping and something went horribly wrong? Maybe you had valuables stolen or your tent or equipment vandalised (I know this rarely happens but what if it did?) or maybe a flash flood soaked everything. What would you do?
For most people it would mean cutting their camping trip short and going home miserable at the very least. Not to mention how much money would be lost. Campsite fees, price to replace equipment or valuables. Do you leave this to chance or are you a savvy camper who already has everything insured?
With only 11% of campers being insured it means that there are many campers who are leaving everything to chance and taking large risks with not only their camping gear but also their camping holidays.
Below we will discuss tent and camping insurance, what is covered, where is covered and show you just how cheap you can get cover and from where.
Mistakes People Make
Thinking that your home insurance covers your equipment.
While most people will include the value of camping equipment when getting a home insurance quote or even declare valuable items are kept in garages or outhouses and this will cover you for theft if stolen from your property it is unlikely that it will cover you whilst away on a trip.
That there is no such thing as camping or tent insurance.
I have spoken with people before about insurance whilst camping and many campers are unaware that such insurances exist. When I explain that it not only covers all your camping gear but also can help provide other accommodation should something go wrong or help you return home if holidaying abroad and the driver takes ill they are normally quite surprised.
That Insurance is Really Expensive.
Believe it or not tent and camping insurance can start from as little as £16 for annual cover. When you break that down it is very little to pay for covering all those great camping trips and most of all peace of mind.
What Does Tent and Camping Insurance Cover?
As with all insurances the level of cover differs depending on insurance companies and the level of cover that you take out.
Most insurers will allow you to cover up to 4 tents as they realise that we campers are prone to liking more than one tent or even different types of camping. Some companies will offer you agreed value on your tent, this means that the value is agreed before you take out insurance and if you do make a claim it would be to this value. If your tent is completely ruined while on holiday, they can help with other accommodation whether this be the hire of a tent or help towards the cost of staying in a hotel. This loss of use cover can also cover the cost of you returning home from trips in Europe should the sole driver take ill.
Contents and Equipment
Like home insurance contents and equipment are also covered for fire, theft and accidental damage. This is great as we all know some of our equipment can be quite pricey so it’s good to know that it is also covered.
Although contents are covered I as would most insurers recommend that valuables are not left in the tent when it is unoccupied. Jewellery, tech equipment and such should be either stored in a locked safe place such as cars or on-site lockers or taken with you.
Most insurers have European cover built in to policies and provide cover for up to 240 days in Europe. They are aware that many Brits enjoy camping abroad. In fact, a staggering 75% that do camp abroad go to France. But no matter where in Europe you go this will be an important part of your cover.
Public Liability Cover
This is also offered with most insurances meaning that should anything happen where you are at fault or are at risk of being sued you are covered. So should your tent blow away and damage anything including cars, building or even a person you have the cover needed to help protect you and cover others.
What About Trailer Tents?
Yes, most insurers will also cover trailer tents. As these are towed insurance may be a little more expensive but I’m sure you will agree that the small cost per year is surely worth it.
Where Can I Get Insurance?
Both companies are reputable, and you can apply online. As with all insurances it is recommended that you shop around for the best deal and one that meets your own personal requirements. I hope this post answers some of your questions and helps you get the right protection for all your tents and equipment. Leaving you free to enjoy what is important – CAMPING and enjoying time with your friends and loved ones.