When it comes to safeguarding your caravan or static home, comparing insurance policies isn’t just about finding the lowest price – it’s about securing the most appropriate level of cover to give you peace of mind.
At Cover4Caravans, we empower you to compare caravan insurance online, ensuring you get what we consider is the most cost-effective and appropriate insurance quote tailored to your unique needs. Whether you’re shopping around for tourer caravan insurance or static caravan insurance, here’s everything you need to know.
Price isn’t everything
While the advertised price of a caravan insurance policy might catch your eye, it doesn’t always reflect the full value of the protection offered. A cheaper caravan insurance policy might offer limited cover, leaving you vulnerable in key areas. That’s why it’s crucial to look beyond the sticker price and evaluate:
- what the insurance cover entails including what elements of protection come as standard and what don’t – this may vary among caravan insurance providers;
- what optional extras are available;
- the exclusions – certain items or circumstances that are excluded from the cover. Part of this will also be the qualifying conditions. These usually relate to restrictions on where your caravan can or cannot be parked when it’s not in use or when you store it. And, for static homes, what you need to do when it is unoccupied for an extended period (e.g. over the winter);
- the insurance policy excess;
- whether any discounts are available.
What does caravan insurance cover?
There are usually standard features provided in any caravan insurance policy. As these can vary widely from one insurance provider to another, it’s essential to compare insurance. Our policies at Cover4Caravans, for example, typically include:
- protection against storm damage;
- theft of the caravan;
- third party liability;
- contents insurance cover if required;
- free Continental cover up to 240 days per annum for tourers;
- plus, much more!
New for old replacement
When you compare insurance or get a quote for your caravan, check what the new for old replacement terms are. There is often a maximum age of the caravan qualifying for such replacement, and these vary among providers. In the event of loss, we will replace your tourer up to five years old and your static home up to 10 years old, regardless of the number of previous owners. (Not all policies provide this).
Optional extras
While standard policy features provide the backbone of your insurance, you may have the option to tailor the coverage further to meet your needs and requirements.
These extras might include:
- insurance cover for your awning (please read our blog: Awning insurance: need to know);
- the provision of alternative accommodation if your caravan is stolen, lost or damaged while you’re touring in it;
- the ability to protect your no claims discount; etc.
Terms, conditions and exclusions
You may expect to find these in any policy. It’s advisable to read them carefully as part of your caravan insurance comparison.
Some of these exclusions and conditions may be more demanding than others and have a significant effect on whether you’re able to make a successful claim.
Please feel free to ‘phone us on 01702 606301 if you are unsure of any aspect of your insurance for caravan cover.
Discounts
Here at Cover4Caravans, we offer attractive discounts (up to 20%) on your caravan insurance premiums if you arrange secure storage at a site registered with the Caravan Storage Site Owners’ Association (CaSSOA).
There are around 450 locations nationwide and each is rated according to a scale of different levels of security.
Accurate valuation: ensuring you get the most appropriate sum insured
A precise valuation of your caravan is crucial for determining the appropriate level of cover. An accurate assessment ensures that, in the event of a loss or damage, you receive adequate compensation. Consider these factors when valuing your caravan:
- get an up-to-date appraisal of your caravan’s worth;
- if you’ve made significant improvements, such as installing a new kitchen in your static caravan, update your sum insured accordingly;
- ensure the policy covers the cost of a brand-new replacement if eligible.
Final thoughts
Comparing caravan insurance is a crucial step in protecting your valuable asset. By understanding what each policy offers – and beyond just the price – you can make an informed decision that suits both your budget and your cover needs.
At Cover4Caravans, our aim is to simplify this process, offering free, no-obligation quotes and expert advice to help you navigate the complexities of caravan insurance.
Ready to start comparing? Visit our website to get your free caravan insurance quotes online or call us on 01702 606301 to discuss your options with one of our team. Protect your caravan, secure your journey, and travel with confidence knowing you’re covered by suitable caravan insurance.