Are you looking for the best or the most appropriate touring caravan insurance? In the first instance, it might be a good idea to understand exactly what you have in mind when you refer to the “best” insurance.
At the heart of the “best” conundrum is the fact that the best touring caravan insurance for one person might not be the best for you – there are different ways of weighing up what is best. When you think about your caravan insurance quotes, for example, do you mean:
- cheap tourer insurance; or
- the most expensive, but one that offers the most comprehensive cover; or
- the policy that provides you with the cover that you need and want?
As you can see, the best tourer insurance for you may be completely different to what one of your neighbours on the caravan site considers is the best touring caravan insurance for them. Getting the most appropriate caravan insurance for you is as unique as you are.
So, how do you find the most suitable cover for your tourer?
Shopping around
For many of us, of course, it’s got to be said that insurance of any kind is hardly the most captivating or interesting subject. The problem, then, is that we might often be tempted simply to go with whatever is most familiar.
Despite that overwhelming temptation, you might find that making the effort to periodically compare your existing cover to other touring caravan insurance quotes may yield a number of benefits.
Shopping around lets you compare touring caravan insurance quotes – and the key elements of that comparison are likely to be:
- the cost of the premiums; and
- the nature and extent of the cover provided.
Cost – cheap tourer insurance
Seasoned caravanners know full well that cheap tourer insurance isn’t necessarily the best or one that is even suitable for their particular requirements. Even so, prices in the marketplace vary and it might be possible for you to find more cost-effective cover than you currently enjoy.
If you opt for the cheapest cover, then you may save a little on the policy premiums.
Possibly though, some of the levels of cover provided may be less than sufficient in the event that you have to make a claim. You may also find that continental cover may not be provided as part of the insurance package and that this, if bought separately, may change your ideas about just how cheap the policy turned out to be.
On the other hand, being expensive doesn’t necessarily mean the best. The most expensive policy – or the one that appears to offer the most comprehensive cover –doesn’t necessarily have to be the best. If you are looking for appropriate cover for your tourer, there’s little point in buying cover that you don’t actually need.
Extent of the cover provided
So, if price alone is unable to identify the most appropriate touring caravan insurance to meet your needs and circumstances, how does the nature, extent, and breadth of cover play its part?
The fact is that some policies may simply offer a broader cover base than others – and it’s clearly in your interests to discover those differences.
For example, some but by no means all policies might offer things such as:
- substantial cover for travel throughout the EU as standard;
- no age-limit restrictions for owners (upper or lower);
- no age limits on the caravans themselves (though for older vehicles, the replacement value used in the event of a claim will be that documented in Glass’s guide, rather than automatic replacement on a new for old basis).
Of course, the only way you will ever discover the reality of these things one way or the other is by comparing your existing tourer insurance cover to other options that are available in the marketplace.
At Cover4Caravans we are only too happy to help you review your overall position and to find out what your alternative options might be.
So, would it be worth the effort?
By reviewing your touring insurance cover, you may be opening up opportunities to save yourself money and to increase the financial protection you have available for your caravan.
It’s difficult to see that you have anything to lose – and you might have a lot to gain. It’s something that’s worth finding out more about.
Touring caravan insurance quotes
The best touring caravan insurance quotes are likely to be the ones that most closely match your requirements and your pocket. Rather than searching out the cheapest, it might prove more sensible to look for good value for money.
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 any policy that you have been offered for your touring caravan insurance will prove worthwhile. Only when you consider the detail of the cover might you appreciate exactly what you are about to buy.
The detail of the cover may include:
- whether the policy includes continental cover, and if so for 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 on any single claim;
- you may also find that there are exclusions in the policy for the items kept under the awning of your caravan and clauses that determine whether cover for the awning itself might apply;
- 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 to meet your particular needs and circumstances;
- 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 of theft, so you may be obliged to put in place certain security measures such as wheel clamps and a hitchlock when attached or unhitched from the towing vehicle;
- how the insurer treats any new for old replacement of your tourer if it is written off – some policies may offer a new replacement for tourers up to 5 years old provided you have been the only owner or up to 3 years of age if your caravan has had other owners – other policies may not be so generous (at Cover4Caravans, we offer new for old cover on both static homes and tourers up to 5 years old (in some cases up to 10 years for static caravans) regardless of the number of previous owners.
You might also want to bear in mind that your previous claims history may have some bearing on any new insurance quotes you are offered.
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 because:
- of your membership of a recognised caravanning club (such as the Caravan and Motorhome Club or the Camping and Caravanning Club);
- of some extra security devices that you have installed (above those which may be obligatory);
- you have taken especial care about where you store your caravan when it is not in use – at a site registered with the Caravan Storage Site Owners’ Association (CaSSO).
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!
Getting the most appropriate touring caravan insurance
Although your natural inclination might have been to look for the cheapest touring caravan insurance – especially when times are tight – there is likely to be more involved than simply the price of the premiums:
- there is a balance to strike between the cost of a policy and the tourer cover that it may provide;
- getting this balance right may provide you with a more appropriate level of cover in the longer term than may be the case if you rely on just price alone;
- for example, if you regularly take your caravan to the continent then a policy hailed as the cheapest caravan insurance – but which did not provide you with continental cover – may not be of interest to you;
- there may be certain levels of cover that you may need to have before you would consider purchasing a particular policy, no matter how cheap it is;
- what you may consider to be cheap touring caravan insurance may provide you with cover that you consider essential but which another caravanner may not need – so that particular policy may not appear cheap to them;
- paying more for your caravan cover in the belief that you are buying peace of mind does not necessarily mean just paying out no matter what the cost;
- with the ready availability of touring caravan insurance quotes online, you can compare policies offering the cover you need – you may then be able to identify opportunities where discounts are available and this, in turn, may help you to find more cost-attractive cover;
- getting the balance right and finding cheap tourer insurance may be as simple as just taking a bit of time, deciding what is important to you and knowing where to look.
Cover4Caravans
Finding the most appropriate caravan insurance is likely to involve shopping around, comparing touring caravan insurance quotes, and selecting the policy that offers all the cover you need at a competitive price.
If that sounds like a time-consuming and onerous task, take comfort in the knowledge that it is an exercise that we can conduct entirely on your behalf here at Cover4Caravans.