The Easy Way to Choose Your Caravan Insurance
Sunday, May 9th, 2010Caravan insurance is not always straightforward, not getting the proper cover or not getting enough cover could leave you short if you ever had to claim. Your caravan is a valuable investment and should be treated accordingly when its time to renew or take out caravan insurance. If you are thinking about insuring your caravan, it is important to understand exactly what your needs may be, how much and what cover you need.
Your caravan insurance needs depend on what you do with your caravan, do you take it touring, or perhaps rent it out on site? When choosing caravan insurance you have the choice between third party fire and theft, and fully comprehensive insurance. Cheapest and best are often two entirely different things, so don’t buy insurance based on price alone, base it on coverage.
If you own a static caravan you will want to cover it for both vandalism and break-in as it is probably vacant for some of the year. A good way to reduce your premiums is to install smoke alarms, and alarm system and so good locks on the doors and windows. With a static caravan, you can again reduce both the costs and the risks by storing it at a secure site.
If your caravan is a touring caravan and you like to take it overseas to Europe, avoid any nasty surprises by making sure that you are covered to do so. Although some insurance policies do not, most will cover your touring caravan in Europe for a set number of days. Europe is a great (and popular) destination for caravanners with touring caravans make sure you do it properly.
To prevent any ugly shocks later on, always read the small print of any policy before you considering taking it out. Be sure that you have adequate coverage with your policy as claim limits vary quite a bit between companies. The same as buying any item, it makes great sense to have a good look around and get a few quotes, comparing what each company have on offer.
Caravan holidays are becoming an increasingly attractive proposition in these difficult financial times. A new generation of young families are discovering the joys (and money savings) that caravanning has to offer. Spain is no longer the number one holiday for British people, caravans have now taken over the mantle.
Carl Way is a founder of Caravan Insurance Cover, the UK’s premier website to compare caravan insurance.