There are many products to choose from when you look for tourer caravan insurance, and there is no right option because it simply depends upon your own circumstances. But what should you be looking for? Some aspects may include the following:
- Make sure you have an appropriate amount of cover – this is called the sum insured. Our own statistics from last year show that the average value of a touring caravan is £9,000, while the contents are around £500. Don’t under or overinsure yourself because otherwise you could end up out of pocket – in the case of underinsurance, when you make a claim. Or in the case of overinsurance, when you pay for your cover;
- you may want to look for a policy that includes discounts. Some companies may provide you with a discount for using security devices or for being a member of a caravan club. Others, such as ourselves, may provide a discount if you store your caravan at a CaSSOA-approved site;
- the way you buy your insurance is also a consideration. Rather than going directly to an insurer, where you may have a limited amount of choice, you may want to use the services of a broker such as us at Cover4Caravans, in order to look at a greater range of options, as well as get access to specialist advice;
- always look for restrictions when it comes to awnings. Some policies may only cover storm damage to awnings if you are present at the time, and this is important to know to avoid any problems that you were not aware of. Typically, awnings will be shown separately on your insurance schedule;
- you may want to find out about new-for-old replacement when you make a claim. Some providers may be able to provide this for tourer caravans that are three years old or less;
- where you use your tourer is also an important consideration. Some providers may include continental cover as standard for a certain amount of days. For example, at Cover4Caravans we provide this on all our policies for up to 240 days a year. If you are planning to go abroad, this may be useful. Even if you have no current plans, it can always be worthwhile having;
- the price of the policy may affect your decision, but remember to look for value for money rather than just the least expensive insurance you can find. Always ensure that you find a policy that has the level of cover you need rather than cutting corners;
- some policies may have various security measures that you need to take to protect your caravan from theft if you are to make a successful claim. This can include fitting a tracking device or a wheel clamp when you leave it unattended when attached to the towing vehicle, or a hitch lock when it is not attached to the vehicle. This will all be detailed in your policy documents – or ask your broker / insurer for clarification;
- find out if your policy provides costs for alternative accommodation if you have an accident. This could be particularly useful if you are on the road with nowhere to stay;
- owner age limits are also important and can influence the policy you choose. Some do not have any age limits, whereas some do, so make sure you know before buying.
These are some of the main considerations when you buy insurance for your tourer. Choosing the most suitable policy is important, so keep a list of all the things you need to consider in order to make an educated decision. Or, please feel free to give us a call on our freephone number – we will be only too happy to help!