When your age shows a few more miles on the clock and you’re looking for touring caravan insurance, you may have found it difficult or even too expensive to get covered on the terms offered by some insurers.
You might find that some companies will simply refuse to insure you, while others will try and charge you unexpected high premiums as soon as you hit that magic number of 60.
These providers sometimes appear to have overlooked the fact that your many years’ of experience touring may far outweigh that of younger caravanners. Yet it’s the latter who may not be charged as much for their cover.
That is why at Cover4Caravans, we’ve added a question to our website asking about how many years you have been towing ‘vans as we believe experience is key. Sadly, not all insurance providers see things that way.
The risks
When you’re thinking about touring caravan cover, first impressions might seem to dictate that insurers may reasonably consider that accidents and various risks are bound to increase simply because of your age.
It can just as easily be argued, however, that to a significant extent many of those risks can be offset by the greater awareness and experience that comes with increasing age. This has been recognised for some time and is supported by the personal experience of that relatively small number of more mature drivers who are guilty of driving recklessly.
Indeed, a factsheet published by the Department of Transport on the 25th of May 2022 revealed that the likelihood of a road traffic collision actually goes down the older you are – 1,384 collisions for every billion miles driven by someone aged 17 to 24 compared with just 211 for those aged 71 to 75.
By the time you are in your 60s, you are probably long past the stage where you enjoy counting off your birthdays as they arrive. Unfortunately, though, some insurers still seem to take delight in it.
The response by some insurers
All things considered, many older drivers probably accept that they may need to pay a little more for their insurance cover, but most are quite right to object when the increases are entirely disproportionate and unrealistic.
Some insurance providers appear to adopt an approach that amounts to actively discouraging applications from those over 60 and others seem to see it as an excuse to crank up their premiums.
Fortunately, at Cover4Caravans, we are not ageist! We offer what we feel is affordable cover, no matter what your age. We do not impose age limits – upper or lower – on our tourer insurance, and we are happy to offer caravan cover for the over 60s, over 70s, and even the over 80s!
There is one other thing that people are typically known for as they get older – and that is being more discerning in their purchasing decisions.
So, if you feel that you are currently getting a raw deal from your insurance provider simply because you are over 60, then it might be about time you looked at how we can help.
Caravan cover for the over 60s
All of our customers – regardless of age – can benefit from one of our tourer policies, which share the following features in common:
- 240-280 days continental cover as standard;
- discounts on your premiums if you are a member of a recognised caravan club (such as the Camping and Motorhome Club or the Camping and Caravanning Club, for example), or agree to store your caravan at a site registered with the Caravan Storage Site Owners’ Association (CaSSOA);
- a low policy excess (the excess is the first part of any successful claim that you are financially liable for – it remains an uninsured loss);
- payment by credit card or direct debit so you can spread the cost; and
- no age limit on the caravan – although older caravans will be insured at market value only, as stated in Glass’s Guide.
As you can see from the snapshot of policy benefits above, we work hard to make sure you get the most cost-effective cover for your tourer and at a price that meets your budget.
That prompts a few more points you might want to consider when thinking about the price you pay for your caravan insurance.
Thinking about the price of your caravan cover
It’s perfectly natural to think carefully about expenditure and to look for some of the most attractive deals possible on your caravan insurance.
In that connection, here at Cover4Caravans we often receive enquiries asking about the cost of caravan insurance. Of course, we are always only too pleased to offer quotations and we pride ourselves on being very aware of the need for cost-effective solutions.
But it is equally important to try and think about cost in context. The harsh reality of life is that if you need to call upon your insurance policy in the future for financial support following a problem, then the only thing that is going to be important to you is the cover it provides. It’s almost certain that in such an event, you won’t be focusing all of your attention on how much you have paid for your policy to date.
What this means is that something you might consider to be a bargain at the time you take out your cover might prove to be anything but if you subsequently discover that it doesn’t cover the circumstances surrounding a potential claim.
This is not for one second trying to suggest that cost-effective solutions necessarily equate to massive compromises in terms of the extent of cover provided. The point being made is that simply setting out to ask how much cover is going to cost, intending to find the very cheapest possible policy you can, might not be in your long-term best interests.
What is important is your confidence that the cover provided meets your needs and circumstance in terms of the risks you want protecting and the practical way you use your caravan.
It is also important that you fully understand the terms and conditions of any caravan insurance policy, as they are what may ultimately decide the success or failure of a claim, should you need to make one.
Understanding the risks and how your touring caravan insurance can protect against them, therefore, is probably a better way of looking for and assessing the value for money of any policy rather than simply asking about the price.
We are here to help!
We are available online 24 hours a day, 7 days a week, to provide a no-obligation quote. Alternatively, if you would rather talk to one of our team of experts, then please feel free to call us on 01702 606301 during office hours. We will be very happy to help.