The coverage of Fire is another optional cover you can add to your Sure. of third parties. Know what the fire insurance covers in case it is a partial fire (from a part of the caravan), or total (of the whole vehicle) is important to know what we have hired and what compensation we must receive in each case.
Fire cover
Normally, in the caravan policies that have the fire cover we usually find a literal that says that it covers the damage of the vehicle by fire, fire or explosion. In short, the fire cover protects the damage caused by the fire in our vehicle.
There are two types of fire within this coverage:
Total fire
The Total fire affects the whole vehicle or most of it. In these cases, the caravan is usually declared as No. or Total loss, as the repair exceeds the value of the vehicle at the time of fire.
Partial fire
The fire occurs in part of the vehicle. When it occurs in a part of the caravan and does not extend to the rest, damage by partial fire means that the caravan can be repaired or its parts can be replaced and that, if it does not exceed the value of the caravan, it does not have to be declared as Total.
Fire extinguishing costs
If the vehicle is burned, it is very possible that the firefighters will have to come to extinguish the fire and prevent it from spreading. The fire department bill is very high, but if you have the fire cover, the insurance He takes care of her.
Values of compensation by the fire of your caravan
Repair value
What it takes to repair the caravan. This coverage comes into action if your motorhome has been partially burned and the value of the damage does not exceed the value of the vehicle at the time of the accident.
Value again
That's the price you'd have to pay if you wanted. buy your new caravan at the time of the fire.
If the caravan is less than a year old, the insurers will pay you the full price of your caravan when you bought it.. Some insurers cover the value again for the first two years.
Venal value
In the previous case, if the repair costs more than what the vehicle is worth, the insurer will pay you the venal valuewhich is the price your caravan has at the time of the fire. according to a baremo which is regularly published in the so-called GANVAM tables. Each passing year, the vehicle depreciates, so its venal value is becoming smaller and smaller.
Serial and optional accessories
What happens if a motorhome accessory is set up? The accessories are additional equipment. Many of them come as standard when buying the vehicle But on other occasions you want to put other tires on it, change the paint and put it in meta. In that case, now would not be standard accessories and will not always be covered by the Policy.
The standard accessories (those who already bring the new caravan when you buy it at the dealership) come included in fire cover. You will not have to add them when you hire your policy and in case of loss the insurer will pay your repair or replacement price.
For the optional accessories that you have incorporated into the vehicle After you buy it, you must expressly declare them when you hire your policy to be protected by the fire cover and the insurer repairs or compensates for its value in the case of fire.
Luggage
Another common issue in the event of a fire is whether the insurer covers any luggage or items inside the caravan at the time of the accident. Normally the luggage is not usually covered by the incendo cover but some insurers do cover them.. You will have to consult the general conditions of your policy if you cover the luggage within the coverage of own damage And what a limit. If there is such a cover, it is normal for you to be compensated for 150.€ or 300€.
