It’s a sad fact of biology that, as we age, things might start to become a little more difficult in a number of areas.
You may encounter one of those if you suddenly start seeing problems in finding over 60’s caravan insurance – at least without paying huge additional premiums for it.
Why is that? More importantly, how can you get cost-effective, comprehensive touring caravan insurance if you are aged 60+?
Age and insurance premiums
Space doesn’t permit a full analysis of typical insurance assumptions relating to increasing age. However, as a general rule, there may be a tendency on the part of some insurance providers to assume that once you are aged past 60, the risks of you making a claim on your policy increase significantly.
That presumption may be particularly prevalent amongst caravan insurance providers offering cover for things such as touring caravans. In fact, some might decline to cover you at all once you reach a certain age.
Yet here at Cover4Caravans, we don’t see it that way and a pleased to offer cost-effective cover for those aged 60 or over. We can even offer over 80’s caravan cover!
The logic behind that is simple.
As an experienced caravanner and driver, you are more likely to be safer on the road. For example, tendencies towards reckless caravan use or careless driving may be far lower in someone mature than in someone perhaps in their twenties.
So, we believe that it is only sensible that these are taken into account and used to offset, where possible, some of the increasing risks that might inevitably come with advancing age.
Fortunately, some caravan insurance policy providers hold similar views and outlooks.
The bottom line here is that there are touring caravan insurance policy providers who are willing to offer cover for the over sixties and even in some cases discounts.
There is no obvious reason why you should need to accept as a fait accompli increasing premiums once you pass that major milestone of 60 years of age. After all, 60 is the new 40!
Saving money on your caravan insurance – whatever your age!
Of course, age isn’t the only thing that influences the cost of your cover. So, you might want to take this opportunity to review your current insurance on your caravan and to see whether there are ways in which you might save money on the premiums.
Here are a few suggestions.
About your caravan …
Perhaps one of the best places to start in any review of your touring caravan insurance arrangements is to take a long hard look at the ‘van itself – getting the most appropriate caravan insurance might make all the difference between the protection you need and unnecessary expenditure.
At the heart of the cover is protection against potentially serious risks that might result in the total loss of the caravan such as during a storm, or fire or theft.
Because the total sum insured for your caravan needs to anticipate such worst-case scenarios, it is important that you determine an accurate and realistic valuation – if you have owned it for a number of years, this means taking into account the inevitable toll of depreciation or you might be paying more than you need for your insurance.
… and its contents
Whilst you are in valuations mode, you might also want to review just how much the total contents of your caravan might be worth.
Once again, depreciation may need to be taken into account, but beware the possibility of leaving yourself underinsured if you underestimate values or fail to take into account newly acquired pieces of kit or equipment.
Feel free to consult a specialist
Although you may already have done a certain amount of shopping around to find cheaper deals on your caravan insurance, don’t forget the potential benefits of consulting a specialist caravan insurance provider such as us here at Cover4Caravans:
- we may help to make sure that nothing is overlooked when it comes to identifying your particular, individual caravan insurance needs;
- take advantage of our wide experience and expertise when it comes to valuing your caravan and its contents;
- depend on the expert’s industry-wide contacts and knowledge to search every corner of the market for those products most likely to suit your needs;
- rely on a specialist provider to suggest some of the most competitively priced policies on the market.
Public liability insurance
One important aspect of caravan insurance which you might easily overlook – but is typically offered by the experienced broker is public liability indemnity.
Inclusion of this element of cover as a standard feature of your caravan insurance not only saves you money on additional caravan insurance premiums but might also save you many thousands of pounds if a member of the public or a visitor to your caravan suffers an injury or has their property damaged in an accident for which they hold you liable.
You can find out more by watching our short video entitled: Caravan Insurance Liability Cover.
One of the great ways of saving money on your caravan insurance – and for saving yourself a lot of heartache and worry into the bargain – is to improve the overall security of your caravan.
The more you do to reduce the risk of loss or damage, the happier your insurer is likely to be and reward you for your efforts by lowering the cost of the premiums you pay.
Indeed, some simple security measures might be policy conditions. A common measure, for example, is to insist that you use both a hitchlock and wheel clamps whenever your touring caravan is left attended and still attached to the vehicle which tows it. When left unattended and unhitched, wheel clamps alone still need to be used.
Further recognition might be given to your installing other safety measures, such as smoke alarms and motion detectors which give a warning about potential intruders.
Normal, common-sense precautions apply to leaving your caravan with the door and windows securely locked, but even here you might improve matters by fixing deadbolts to the fastenings.
You are expected to play your part in mitigating the risk of any loss or damage, in other words, and your insurer may take into account when considering any claim whether the loss was the result of your own negligence or contributory negligence.
Watch our short video: Caravan Security and Insurance for more information.
We can help
We hope these tips have helped when choosing the most suitable tourer caravan insurance for you., plus you are reassured that age is just a number when it comes to our insurance cover.
At Cover4Caravans we believe age doesn’t particularly matter and are very happy to insure the more mature touring caravan owner. Please call us today on 01702 606301 for further information or to get a quote.