We’re probably all tightening our belts as we cope with today’s economic realities. That means finding suitable and cost-effective deals for whatever we’re buying.
If you’re lucky enough to own a touring caravan, an annual expense will be the essential touring caravan insurance. For this, too, you will be on the lookout for an appropriate deal that represents good value for money.
Just how might you go about finding that suitable deal?
Touring caravans and caravan insurance
Your touring caravan allows you all the freedom of the open road and the opportunity of exploring new sites in different locations. Along with those opportunities, there are also risks – and it is against these risks that your touring caravan insurance will protect you.
But no two insurance policies are alike, and no single solution will meet all needs. The touring caravan insurance that suits your neighbour does not necessarily provide the cover that you will need.
When trying to find a suitable deal for you and your caravan, therefore, consider the following:
Seek help
- in these days of the internet and countless comparison websites, it might be tempting to rely entirely on your own efforts to track down a suitable insurance deal;
- but a comparison website is unlikely to tailor its offering to your precise, individual needs;
- that is where an experienced, expert, and independent broker, such as ourselves here at Cover4Caravans, can prove our worth – by analysing your exact needs for the most cost-effective caravan insurance solution;
Keep prices in perspective
- of course, you’ll be looking to save money on your touring caravan insurance – but beware the false economy of choosing the very cheapest deal on offer;
- instead of a search for the cheapest touring insurance cover, you may be likely to be better off finding the insurance cover that adequately covers your precise needs – a question of value for money, in the context of those needs, rather than a bargain basement premium price;
How you will be using your touring caravan
- your precise needs and requirements are, of course, affected by the way in which you will be using your touring caravan;
- consider, for example, factors such as your desire for touring outside the UK (when continental caravan insurance cover will be needed), the age or ages of those who may be driving the vehicle towing your caravan, and the treatment and handling of any claim you might need to make;
- in a worst-case scenario, for instance, following a total loss of your caravan, will your insurer offer a replacement on a new-for-old basis – subject to the age of the caravan at the time of the incident;
- note, too, that the policies we arrange here at Cover4Caravans all include up to 240 days a year of free European cover;
Pitching, parking, and storage
- by definition, of course, a touring caravan is highly mobile – and that feature alone increases the risk of it being stolen;
- most touring caravan insurance policies, therefore, will include conditions relating to the precautions that must be taken when you are parked or pitched on a campsite;
- if the caravan is unattended but still hitched to the towing vehicle, for example, you must use a hitchlock as an additional security measure, and if the trailer is unhitched then wheel clamps must be used;
- some insurance policies may have conditions relating to the features and facilities that must be available on any pitch or parking site you use and may not cover your caravan if it is left unhitched anywhere other than on a recognised campsite site;
- when it comes to storing your caravan out of season, that is a time it could be at its most vulnerable – to encourage the use of secure storage facilities, therefore, we extend a generous discount on premiums for caravan owners using storage facilities provided by registered members of the Caravan Storage Site Owners’ Association (CaSSOA);
What discounts are available?
In some cases – and depending on your caravan insurance provider – you can get a discount on your premiums. For example, check to see if you can get a discount for:
- touring caravans are stored on CaSSOA-approved sites (as mentioned above);
- security devices such as trackers;
- attending recognised towing/driving courses;
Finding suitable touring caravan insurance, therefore, is essentially a question of deciding just how you will be using your caravan, your needs and circumstances, and the extent to which any given policy matches those needs and requirements.
Make use of the help that can be offered by a specialist broker but also remember to carefully read the finer detail of your all-important insurance documents. Of course, you are always free to give us a call if you would like a quote or clarification on any aspect of your touring caravan insurance cover. We will be delighted to help!