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Comparing touring caravan insurance

If you are about to get stuck into some touring caravan insurance reviews, some of the following tips from Cover4Caravans might prove to be useful.

Look carefully at the excess

For a policy to carry “excess” is perfectly normal. It is the sum of money that the policy provider will expect you to contribute towards the cost of any future claims.

However, the level of that mandatory excess can vary considerably. A policy that looks to bring with it an almost unbeatable ticket price might carry a commensurately high excess.

In the event you need to make a claim against your policy, suddenly it might not appear to be quite so cheap after all.

Consider your own situation versus the policy’s stipulation on ages

Policies may contain numbers of different clauses relating to the minimum or indeed maximum ages of owners or towing drivers.

There’s nothing wrong with that, providing that your own family situation won’t be adversely affected by it.

Overseas travel inclusion

When undertaking touring caravan insurance reviews, you may see that some policies might not automatically include cover for use outside of the UK   In practice though, many will – but there might be considerable differences in terms of:

  • how many days cover is included per annum;
  • whether or not the maximum duration of an individual trip outside the UK is restricted too.

It’s worth checking because again, a lower-cost policy might not seem to be quite such a good deal if you need to start paying for lots of additional cover every time you leave the country.

New for old cover

In qualifying conditions, some policies might offer you a new-for-old caravan replacement if your caravan is up to five years old and with multiple previous owners.

By contrast, other policies may be far more restrictive and only offer cover up to five years if you have been the sole owner from new.

Note also that some policies might cut off new-for-old replacement at two or three years.

External items

Another potential area where cover can differ is that associated with protecting external items when they are in use. Examples of things to think about might be awnings, external furniture, satellite dishes and so on.

Campsite and pitch requirements

Almost all touring caravan insurance will contain some conditions relating to what is or is not permissible once you unhitch your caravan and start to use it on site.

However, some policies may contain more demanding provisions in this respect including specifying the minimum security features a site must have before their cover will be considered to be in force.

It is important to be clear that you understand any such stipulations and much more importantly, that you will be able to comply with them when you are out and about using your touring caravan.

Out of season parking

You might find that some providers will be keen to offer incentives, usually in the form of premium discounts, for you to park your caravan up securely and safely when not in use – typically during the winter season.

Some though may have very specific requirements as to where you can park your caravan when not in use at any time. They might include a blanket ban on on-street parking or parking on your own driveway etc.

Summary

A top tip – do not be rushed during your touring caravan insurance reviews. Be certain that you are getting a good match between your expectations and what the policy actually states.