Even if you have been a caravan devotee for a number of years and have had no real complaints about your current insurance deal, you may still find it worthwhile to compare touring caravan insurance.
That’s because nothing ever stays entirely the same.
As an example, over the years you may have:
- changed your caravan – you may have sold it and bought another or spent money refurbishing it;
- changed how and where you use your caravan;
- moved house or moved the storage location of your ‘van.
These are three of very many changes that may have happened over the years, any of which may have a bearing on your caravan insurance. So taking a couple of minutes to compare touring caravan insurance to keep up to date with general trends may make sense.
- if you have changed your caravan, then you may have opted for a better model with a higher standard of fixtures and fittings;
- equally though, you may have downsized to a smaller caravan. In either circumstance, you may need to check your insurance levels for the value of the caravan and the type of contents cover that you have to make sure they still make sense for you (in fact, changing your caravan without notifying your policy may invalidate your policy entirely);
- if you have more time to yourself these days, then you may take longer holidays than previously and venture further afield. Does your existing policy still offer value in terms of cover outside of the UK? Are your annual estimates for days abroad and mileage still accurate? It’s worth knowing;
- perhaps if you have moved house, you may now be able to park your tourer in your driveway rather than leave it parked on the street. If your caravan is being kept in a more secure location when not in use, you could see a reduction in your insurance for touring caravans premium. Here at Cover4Caravans, we will be pleased to offer a discount of up to 15% on your touring caravan insurance if you choose such a CaSSOA-approved site;
- you may have improved the security of your caravan by fitting a tracking device and possibly an alarm system. These changes may all result in lower premiums (If you compare insurance for touring caravans, you may find that some policies actually insist on some types of security as mandatory, such as the use of wheel clamps and hitchlocks in certain circumstances);
- if you are on a touring holiday in your caravan and break down, you potentially have lost not only your means of transport but you may also have lost your holiday accommodation. When you compare touring caravan insurance, you may wish to review the provision your current policy makes for these circumstances against what may be available elsewhere.
How to go about it – some more specific examples
The actual level of caravan cover offered and the terms and conditions attached to policies may make a significant difference to how you view its appropriateness for your own circumstances. So, in addition to some of the above points:
- some policies may offer new for old replacement for caravans up to 3 years old if there have been prior owners or up to 5 years old if you have been the only owner of your touring caravan from new. At Cover4Caravans, we replace both static homes and touring caravans on a new for old basis if they are up to 5 years old, irrespective of the number of previous owners;
- if you are planning a long trip, you may wish to ensure that there are no unrealistic restrictions on annual mileage limits;
- since awnings may be very easily damaged by sudden storms, it is common sense (and may well form part of your obligations as a policyholder) to get into the habit of stowing the awning away each time you leave the caravan, thereby reducing the opportunities for damage to happen;
- you may discover when you compare touring caravan insurance quotes, that some providers may offer discounts if you are a member of a recognised caravan club, as they believe that this is an indication of a serious and responsible caravan user. These may often be called “caravan club insurance discounts”, which we at Cover4Caravans offer;
- if you compare touring caravan insurance quotes, you may notice that outside furniture may be the only item of your belongings typically covered, due principally to the fact that, however useful awnings are to increase the living space of your tourer, they are not secure places.
Although the thought might not immediately seem attractive, it’s not a vast effort to compare touring caravan insurance. The benefits to you may be considerable and we are, of course, standing by to help.