When you decide to buy insurance for your caravan, you have a few options available. You may decide to go to an insurer and buy a product from them directly, use a comparison sit, or you may want to use the services of a broker.
When you use a broker, there are many potential advantages that you should be aware of, including the possibility of saving money. Here’s how.
Get a wider choice of policies
A broker may be able to provide more choice when you are looking for a policy. They usually have a range of different options, and they could help you to choose between them. Having more choice means some policies are likely to be less expensive than others, so this is a possible way to reduce your costs.
While at first glance a comparison site may seem to be a good idea, the downsides are that not all caravan insurers are listed on these sites (so you may not get the full picture of what is available). Plus, when you initially enter your product requirements, the results may show a ballpark figure. If you then decide to go with one provider, you may need to re-key in the details in order to get a “proper” quote and also find that the price differs.
Specialist cover may be available
Because brokers tend to specialise in certain types of insurance cover, typically they have long established relationships with the various insurers, meaning they can match you to the most appropriate policy.
They can also access deals that may not be available on comparison websites,
With a broker, they can often find the cover that is more suitable according to your specific needs, and this may help you to get the protection your caravan needs for a lower price.
Go beyond the premium
A broker may be able to alert you to other ways you could save money. For example, if a policy is tempting because it is less expensive, a broker may point out how it could end up costing you more in the event of a claim, perhaps because it does not cover something that is essential for your needs.
Or they may be able to recommend a policy that provides discounts for certain circumstances, such as if you keep your caravan at a CaSSOA-approved site.
Simplify the process
Buying from a broker is typically quite easy. At Cover4Caravans, for example, we aim to make it as simple as possible, whether you buy online or over the phone. If you don’t know what you want or need, simply give us a call and we will talk you through your options.
Get expert advice
Brokers are experts in their products and they are there to provide advice and answer questions. If you have any questions about any aspect of insurance, they will be able to help you so that you can make a more informed decision.
Enjoy peace of mind
By going through a specialist rather than buying insurance alone, you may be able to enjoy more peace of mind because you know that you have cover that protects you against every eventuality.
A broker can ensure that the policy covers all your needs so you are less likely to find any nasty surprises should you need to make a claim.
Find your insurance today
A broker may be a suitable option for all of the above reasons. However, you should go with what seems the most appropriate option for you. Whichever way you buy your insurance, make sure you are properly covered – you can then enjoy spending time in your caravan knowing you are fully protected.