One of the biggest fears of those who travel in a camper van are the thefts that can be suffered. It is not a traditional vehicle, but a living vehicle, so inside, you will have valuable things. In addition, of course, to all the equipment. This naturally raises the question of whether or not the contracted insurance will cover the theft.
The situation regarding robberies
The reality in which we live today makes the use of camper vans a worldwide trend that, unfortunately, has also been joined by a generalized problem: the increase in the number of robberies and thefts.
Those who decide to have this lifestyle debate about the best place to spend the night: in the city or in a more distant location. As a general rule, we would think that in a remote place or in the middle of nature, it would be more dangerous because there is no one to ask for help. For this reason, it is not recommended to spend the night in such a remote area, but to do so in a motorhome area.
But statistics and data show that it is in the city where most robberies and thefts take place. In those places where there are more cars is where thieves are more aware of the opportunities that may appear. Therefore, a policy that covers all your personal belongings is the most appropriate option in case of theft.
Tips to prevent theft in camper vans
Your van is your home and just as you take care of your house when you leave for a moment or go away for a few days, you have to do the same with your van.
There are some precautions you can take in order to protect your belongings and your vehicle, such as the following:
1. Place an anchored safe
To store your valuables, a good idea is to install an anchored safe. That way they will not be able to take your personal belongings.
2. Strap style padlocks
One way to protect your vehicle from theft is to install wheel locks. This will make it impossible to put it into operation. These padlocks are very easy to install as they have a cylinder and a specific key for this purpose.
3. Install an indoor alarm
When you install an alarm inside you will be protecting your goods and your van. The moment someone tries to enter or make any movement it will start to beep as it does in a home. This will give notice and is sure to scare off thieves.
Of course, always check that doors and windows are properly closed before leaving. And do not leave anything of value in view of others.
What if theft occurs?
The first thing we must know is what type of coverage we have contracted in the insurance of the camper. In general, with the Theft insurance guarantee, we cover the total theft of the vehicle. Partial theft is also included, i.e. theft of the vehicle’s own elements, including accessories declared in the policy. And finally, the damage caused to the camper to steal it. Examples of the latter coverage are the breaking of windows or the forcing of a lock to gain access to the vehicle.
Therefore, the theft coverage of an automobile insurance policy does not include personal belongings inside the vehicle. By personal belongings we mean luggage, suitcases, cell phones, computers, etc.
If we wish to cover the theft of our belongings and personal effects, we must have a guarantee created especially for Campers.
Personal Property Insurance for Campers
With this coverage we have the certainty that in case of theft or fire, we will be indemnified for the personal effects that are inside the Camper. This coverage is a step further because not only the elements of our vehicle are insured, that is to say, the fixed or anchored parts of the camper, but also the belongings and personal effects.
When we travel, we take luggage or electronic devices with us. This circumstance is known to all, thieves included. For this reason and for greater security we should have coverage not only for the occupants and vehicle, but also for the only thing that traditional insurance does not cover.
It’s the difference between thinking about what you leave inside the vehicle when you leave and lock up or traveling at ease.
Author of the text: Author
