There are many different providers of touring caravan insurance. Each one may offer slightly different levels of cover. There are also many different touring caravan owners and the tourer insurance that each individual may require will depend on how they use their caravan.
What follows are a few tips on the sort of things you may need to think about to help you select the most appropriate caravan insurance policy for your tourer. They may also help you identify steps that you could take to reduce premiums.
Of course, if you have any questions or queries and would rather speak to a ‘live’ person about any of the points below, then please feel free to get in touch with the Cover4caravans friendly and professional team on 01702 606301.
- Caravan value. Be as accurate as possible about the value of your caravan. Bear in mind that if you undervalue to save a bit on your premium, then it will be this lesser value that will be used for the basis of any claim.
- Contents. Be realistic about the value of the contents of your caravan. You may be surprised at just how much these would cost to replace. Think about the merits of new for old against market value.
- UK or continent. If you never take your caravan out of the UK, then cover for caravans that includes continental cover is obviously something that you don’t need.
- Wheel clamp and hitchlock. These two items may just be good commonsense security measures to take to help keep your caravan safe. If you have them you should use them and they may actually be required by some touring caravan insurance policies.
- Security measures. Implement effective security measures to reduce the risk of theft or damage to your touring caravan. Install approved security devices such as wheel clamps, hitch locks, alarms, and tracking systems. Storing your caravan in a secure location, such as a locked compound or with additional security measures, may also help lower insurance premiums. Tracking devices and alarms may help reduce the risk of theft or help retrieve your caravan if it is stolen.
- Off road. You may have no option but to leave your touring caravan parked on the public highway. If you can use your driveway or garage, then your caravan may be a lot less at risk from theft or just accidental damage. You may also find that parking off road may attract a premium discount.
- Overwinter. If you have no storage facilities yourself, then you may help keep your caravan safer if you move it to a secure site over the winter months. Consider storing your ‘van at a CaSSOA-approved site – you could get from 5%-20% off your touring caravan insurance with us at Cover4caravans.
- Caravan club membership. There are caravan insurance providers who regard caravan club membership as a sign of a mature and responsible caravan owner and who will reward you with discounted premiums. Also, these clubs may often be a good source of tips and knowledge sharing.
- Carefully review policy exclusions: Thoroughly review the tourer insurance policy exclusions to understand what is not covered by your insurance. Common exclusions may include damage caused by pets, or damage resulting from improper maintenance. Be aware of any limitations or restrictions that may apply to your policy.
- Check for optional cover: Consider optional cover options that may enhance your insurance policy. Examples include contents cover, which protects personal belongings inside the caravan, and roadside assistance, which provides support in case of breakdowns or accidents while on the road.
- Maintain accurate documentation: Keep detailed records and documentation of your touring caravan, including photographs, purchase receipts, and any upgrades or modifications made. This information can be useful in case of a claim or if you need to prove the value of your caravan.
- Review your policy regularly: Regularly review your touring caravan insurance policy to ensure it still meets your needs. Notify your insurance provider of any changes, such as modifications to your caravan or changes in usage patterns. Stay in touch with your insurer to address any questions or concerns you may have.
Remember, these tips are meant as general guidance, and it’s important to read and understand the specific terms and conditions of your insurance policy. At Cover4Caravans, we are always happy to help, so please do feel free to contact us if you have any questions about a new or existing touring caravan insurance policy.
By taking the necessary steps to secure comprehensive insurance coverage for your touring caravan, you can have peace of mind and enjoy your travels with confidence.