Cover4Caravans » Resources » How to compare caravan insurance

How to compare caravan insurance

At Cover4Caravans, we help you compare caravan insurance online enabling you to find the most cost-effective and appropriate insurance quote. So, if you’re carrying out a caravan or static home insurance comparison – whether using our service or not – what do you need to consider?

Price isn’t everything

Firstly, when getting an insurance quote, it’s important not to focus exclusively on the advertised price. Of course, it’s natural for this to catch your eye, but it can be misleading.

When you start comparing caravan insurance, the price may be far from the first thing to consider. The reasoning is simple – it doesn’t tell you what you’re getting for the money. A cheap caravan insurance policy may only offer limited cover, for example, when compared to slightly more expensive cover that provides elements of protection that you need.

That is why you should always compare insurance policies – to ensure you’re getting the cover you need at a realistic price.

Making a comparison

When getting a quote for tourer or static caravan insurance, the basics should include understanding:

  • 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 or static aged up to five 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;
  • 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 15%) 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 500 locations nationwide and each is rated according to a scale of three different levels of security.

We also offer discounts for members of recognised caravan clubs and for security devices such as Phantom Tracker, too.

Valuation

Once you have found the most suitable caravan insurance policy for you, don’t forget to pay attention to the valuation of your ‘van.

An accurate and realistic assessment of your caravan is essential for establishing the total sum that needs insuring. This is the basis for comparing levels of compensation for loss or damage.

So, if you’ve recently upgraded your static home – e.g. you’ve put in a new kitchen – you may need to increase the sum insured on your static caravans insurance to reflect this.

How we can help

You can feel confident you are in good hands. We are a long-established business registered in England and Wales, and regulated by the Financial Conduct Authority.

If you’re unsure of any aspect of any caravan policy, please ‘phone us on 01702 606301 – we’d be delighted to help.

Our objective isn’t necessarily to find you the cheapest caravans insurance available. Instead, it’s about outlining the options that are most cost-effective to suit your specific needs. We do this via our panel of specialist caravan insurance providers – leaving you free to cherry-pick the insurance that most meets your requirements.

It’s worth remembering that nobody is ever interested in the price they’ve paid for their policy in the event they need to make a claim. They want the peace of mind of knowing that what they are claiming for is covered.

We believe that considering insurance when you’re making a claim is too late. We’re here to help you compare and find an appropriate policy, to begin with.

At Cover4Caravans, we make that comparison more manageable for you by searching and comparing quotes on your behalf.

We look to reach a balanced set of conclusions.

As said above, this can be a complex task, and it’s certainly time-consuming. We hope these quick tips are useful. If you lack the required expertise and/or the time to do it thoroughly, then we can help. Please call us to discuss your options, or get free, no-obligation caravan insurance quotes online.