Your natural inclination, particularly when times may be tight, may be to look for the cheapest touring caravan insurance. You may wish to exercise a little caution though:
- it may be sensible to bear in mind though that there may be a balance to be found 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 the cheapest touring caravan insurance may provide you with cover that you may consider essential but which another caravanner may not need – so that particular policy may not appear cheap to them;
- another area where policies may differ is in how they would handle new for old replacement of your tourer if it was 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;
- paying more for the caravan cover you think essential to your peace of mind does not necessarily mean just paying out no matter what the cost;
- quotes from providers of insurance for caravans online may be able to allow you to compare policies offering the cover you need – you may then be able to identify opportunities where discounts may be available and this may help you to find more cost-attractive cover;
- getting the balance right and finding the cheapest touring caravan insurance may be as simple as just taking a bit of time, deciding what is important to you and knowing where to look.
