Sometimes when you are faced with a page of different quotes for insurance, it may be tempting to stick a pin in the list and go for whichever policy you get. Satisfying as this method may be, you may wish to consider applying a little more thought to the touring caravan insurance quotes that you have selected.
But how can you tell the quotes apart, when they sometimes seem so similar?
Look into the detail
Taking a moment to read through the key policy features of the draft policy that you have been provided with your touring caravan insurance quote may be worthwhile, because it is only when you look into the detail of the cover that you may realise exactly what you are about to buy.
The detail of the cover may include:
- whether the policy includes continental cover, and if so by how much;
- what exclusions and limitations there are on the policy. For instance, if you bring valuable items with you on holiday in your touring caravan, you may be surprised to learn that some providers may impose a maximum limit on the amount that they will pay out for an individual claim. You may also find that there are exclusions in the policy for the contents of awnings and clauses that qualify when cover for the structures themselves is available;
- how much the excess is on the policy. If the policy has an excess that is quite high compared to other policies, you may wish to consider whether it is the most appropriate touring caravan insurance quote. After all, you may not be able to afford to make a claim if you cannot pay the amount of the excess;
- whether there are any terms and conditions that apply regarding security. Unfortunately, your touring caravan may be at risk from theft, so you may be obliged to put in place certain security measures such as a wheel clamp and a hitchlock when it is detached from your car.
What about a discount?
If you have been provided with a straightforward quote, have you investigated whether any discounts may be available? You may find that you can shave an amount off the premium simply because of a no claims bonus on another policy you hold; membership of a caravanning club; or thanks to some extra security devices that you have installed (above those which may be obligatory).
We help our customers look for touring caravan insurance quotes online and on the telephone. So whether you feel more comfortable with a computer or a person, we can be of assistance. Likewise, when you have purchased the policy, we can send you the documents by post or by email, hopefully making the whole process as pleasurable and painless as possible!