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Touring Caravan Insurance Quotes

When getting a caravan insurance quote, you may typically find that not all touring caravan policies will provide the same levels of cover.

Some may offer features and benefits which provide a closer match to your requirements than others, and so may give you more of that all-important peace of mind that your asset is protected.

Getting a few touring caravan insurance quotes to find the closest match for your own particular set of circumstances may therefore, make good sense.

So, how do you decide which is the best caravan insurance for you? You need to remember that what is the best tourer insurance for you may be different to that of one of your contemporaries. This is because we all have varying insurance needs and circumstances. So, what is the best insurance for your campsite neighbour may not be the most suitable insurance for you.

When getting an insurance quote, it is important that you focus on your individual cover needs to ensure your tourer is properly protected whether in storage, at home, or when you are on your holidays.

Here are just some of the considerations you need to take into account when looking at insurance for caravans.

Safety first

You may find that some caravan insurance providers regard the possible theft of your caravan as one of the most serious risks for your tourer. You may therefore also find that some insurance policies include, as conditions of cover, that:

  • you fit a wheel clamp when you leave your caravan unattended and attached to the towing vehicle;
  • if you are off somewhere in your car and your tourer is therefore unattended and unattached to a vehicle, then you must also fit a hitchlock.

They may also offer incentives in the form of premium discounts if you:

  • can park your tourer off road on your driveway or in a garage when you are not using it;
  • fit approved alarms and or tracking devices;
  • have membership of a recognised caravan club;
  • store your caravan at a CaSSOA-approved site off-season / when not being used for holidays.

Touring caravan insurance may typically provide cover for your awning but you may find that safety first applies here as well and that there may be special conditions relating to your responsibilities to try and protect your awning from the vagaries of the weather.

So you may find:

  • storm damage to your awning may only be covered if you’re present in the caravan – so you may be required to stow your awning away when you are not;
  • you may also wish to bear in mind that awnings are not secure locations, so your belongings, apart from your garden furniture, may not be covered.

New for old on touring caravan insurance quotes

You may see from your touring caravan insurance quotes that different providers may have different criteria when it comes to new for old replacement of your caravan, should it be damaged beyond repair or stolen.

Typically you may find that the key factor will be the age of your caravan. Some policies may offer new for old replacement if your caravan is up to three or perhaps five years old, if you have been the sole owner. Other policies – such as ours – may not stipulate that you have to be the sole owner for new for old replacement, for tourers up to three years old.

Another feature that may interest you is the level of cover for caravanning abroad. Some policies may restrict use to the UK while with others, continental cover may come as standard. Annual mileage limits may also vary quite considerably.

These are just some of the differences that may be evident when you read through your touring caravan insurance quotes. They may make all the difference to you if something goes wrong.

You may see from your touring caravan insurance quotes that different providers may have different criteria when it comes to new for old replacement of your caravan, should it be damaged beyond repair or stolen.

Firstly, what is new for old caravan insurance?

If your caravan is insured on a new for old basis, this means that in the event it is damaged beyond repair or it is stolen, you will receive a like-for-like new equivalent. This is compared to market value, where you’d typically get settlement for the market value of your old, damaged unit.

Can I get new for old cover insurance?

Typically you may find that the key factor will be the age of your caravan. Some policies may offer new for old replacement if your caravan is up to three or perhaps five years old, if you have been the sole owner. Other policies – such as ours – may not stipulate that you have to be the sole owner for new for old replacement, for tourers (and static caravans for that matter) up to five years old.

Another feature that may interest you is the level of insurance cover for caravanning abroad. Some policies may restrict use to the UK, while with others, continental insurance cover may come as standard. Annual mileage limits may also vary quite considerably.

These are just some of the differences that may be evident when you read through your touring caravan insurance quotes. They may make all the difference to you if something goes wrong.

Your insurance – don’t forget …

Finally, as we have highlighted, with all insurance policies, terms, conditions and policy features can vary. Check with your insurance provider if you are unsure of any aspects of the insurance cover; visit their frequently asked questions section of their website; or ‘phone them for clarification.

How we can help

At Cover4Caravans, we are proud to provide what we believe are a wide range of cost-attractive insurance policies for both tourers and static caravan insurance, backed with a first class customer service. We are a business registered in England in Wales and regulated by the Financial Conduct Authority, so you can feel confident you are dealing with a reputable, established, insurance provider.

Using our service you can get touring caravan insurance quotes online, or, if you prefer to speak to someone, then simply ‘phone us on 01702 606301 – we’d be delighted to help, answer any of your questions and clarify all aspects of your insurance cover.