Offering top ten touring caravan insurance tips isn’t as easy as it may sound.
While we have a vast experience and knowledge of the marketplace, what might prove to be a priority for you might not be so for another touring caravan owner with a different set of requirements and patterns of usage.
Having made that slight disclaimer, here are some points that we think you might find useful!
1. Know the value of your caravan and its contents
Sometimes caravan owners may be inclined to underestimate the replacement value of their caravan and/or contents.
It is worthwhile thinking carefully about this and in the case of your contents, taking and pricing an inventory.
2. Pay attention to your policy’s security requirements
The terms and conditions of a policy may contain important information including things such as the insurance provider’s requirements for you to use things such as hitchlocks and/or wheel clamps etc.
Being unfamiliar with these may put your cover at risk.
3. Think about where you are going
Touring caravan insurance might contain very specific clauses relating to where the standard cover is valid and where it is not.
Make sure that a policy you are considering covers any future plans you may have for exotic trips etc.
4. Think twice about older, younger or convicted towing drivers
Drivers in any of the above three categories may seriously increase the cost of your touring caravan insurance.
In some cases, they may actually be excluded by a given policy.
A typical age range of cover may be between 24-74.
5. Avoid carrying very expensive personal items in your caravan
Some contents cover may exclude certain categories of item such as high-value jewellery or some forms of electronic gadget etc.
In some cases, you may be able to include them but it may significantly increase the cost of your insurance.
6. Look at discount opportunities
Some policies may offer rather more opportunities for discount (e.g. by taking a higher voluntary excess or being a member of a recognised caravanning club) than others.
7. Be careful with overnight parking restrictions
Some policies may have strict requirements in terms of where you may park your caravan overnight whilst in use. Failing to comply with these may invalidate your cover.
8. Think about additional security requirements
In some cases, fitting tracking devices, security locks and alarms, may help reduce the cost of your policy. Even if it does not, it may provide you with increased peace of mind.
9. Pause for thought with small claims
If you are benefiting from some form of no claims discount, be cautious about putting it at risk with claims for relatively small amounts of money. The mathematics might not make sense!
10. Take an interest
Above all else, prior to purchasing a policy make sure you read it thoroughly and understand it. Don’t dismiss it all as legalese that can be safely ignored!