When asked the question, “why should you compare caravan insurance”, most people respond by saying something relating to the opportunities for saving money.
However, as we at Cover4Caravans like to point out, there are a number of other reasons why these exercises are typically highly advisable.
The cost factor
One of the things that it is sometimes intuitively difficult to grasp about caravan insurance is that it isn’t necessarily advisable to become exclusively focused on the cost of a policy.
For many people, that advice naturally runs a little against the grain. We live in a society where cost containment is, for the vast majority of people, a major daily imperative. Trying to suggest otherwise can sometimes be a challenge.
However, in the context of insurance, it’s extremely important to remember that the cost of a policy will be entirely irrelevant to you in a situation where you are considering making a claim. In such circumstances, your focus will be 100% on the nature of the cover the policy provides and the amount you may have paid for it won’t be a consideration.
All your focus would be on whether or not the problem is covered by the policy.
It therefore seems logical to conclude that you should be selecting your policy at the outset not based upon its price but on the cover and security it provides.
Comparing caravan insurance
The second tendency is for some to argue that caravan insurance reviews aren’t important because broadly speaking all caravan insurance is more or less the same.
That sentiment is simply incorrect.
Caravan insurance policies can vary significantly from one to another. There are many ways this can be illustrated but perhaps one well-known example is that relating to awnings.
Some policies may not cover them at all. Others may do so but only for certain specific types. Yet other policies may cover awnings in terms of the general category but only if you meet certain usage conditions when out and about in your caravan.
Essentially the key message is – what you are getting for your money may differ considerably from one insurance provider to another.
Better the devil you know
Caravan insurance reviews are important for another reason.
Insurance providers regularly change what they call their “cover propositions”. In other words, what their policies cover and their associated terms and conditions can change from one year to another as they bring out new products.
It therefore only makes sense, assuming you are interested in maintaining the most appropriate cover possible for your particular caravan, to check the market on a regular basis to see what’s out there (we can do that on your behalf at Cover4Caravans, using our “get a quote” button). It’s perfectly possible that reasonable as your existing policy is, there may now be more suitable ones available.
Caravan insurance reviews allow you to compare your existing degree of protection against perhaps more up-to-date offerings in the marketplace.
It’s perfectly possible that your existing policy is still the most suitable fit for your current situation. However, it might be better to know that rather than just to assume it.
Of course, price cannot be entirely excluded from caravan insurance reviews and nor should it be.
It is though important to keep it in context and to consider some of the above issues at the same time.
Above all, it is advisable to conduct periodic caravan insurance reviews in order to provide you with peace of mind that you have the most appropriate cover at the a cost-effective price.