While there is no legal obligation or requirement of you to insure your caravan, the cost of having to repair or replace any part of your caravan or the contents you take with you through accident or theft can be an emotional trauma for some, an experience easily avoided with simple caravan insurance policy. Before buying caravan insurance it is important to be fully aware of all of your coverage requirements because while one insurance company can provide a similar quote to the next, provisions and exclusions can and may differ entirely. 

Some Important Points Worth Considering…

When it comes to deciding on what level of caravan insurance you need and what adequate provisions to take there are some important elements that it is definitely worthwhile thinking about. The first consideration is the location or area you decide to take your caravan. Q? Are you staying in the UK or travelling abroad to Europe? The second issue to chin stroke over is what if any contents or equipment you are going to take with you and whether you need contents cover for them. The third point to mull over is what safety and security measures you either need to take or couldn’t do without. These elements are all important and if you are not covered for them you cannot claim.

In Which Location or Area/Country Will You be Caravanning?

Some caravanners are happy and content to restrict their roaming to the pleasant pastures of the British countryside, electing to stay within the UK and not venture outside the borders of Blighty. Other more adventurous motor caravan enthusiasts prefer to cast doubt to the wind and take their chances on the sometimes scary and often bewildering driver behaviour of our quirky and often rule-breaking European counterparts. While driving on the continent doesn’t faze some people, your caravan insurance company may have a different view on this and this may affect your premium accordingly. Be sure to check with them about any provisions or nuances that travelling in the UK or Europe may bring to your policy coverage. 

Do You Need Additional Contents/Equipment Cover?

Some people take camping equipment and other personal equipment such as televisions, microwave ovens and other electrical items with them when they go caravanning in an effort to try and make their mobile holiday home away from home as warm and as homely-like as they possibly can to make their time away more enjoyable. If you are considering taking personal belongings or equipment make sure that you check with your caravan insurance company as to whether personal belongings are automatically included within your policy, or if you need to add them as additional cover on your policy. 

What (if any) Safety & Security Precautions Should You Take?

Again with different caravan insurance companies you will find differences in their policies. Some will cover you without you having to take out additional security measures while others will insist on a minimum amount of security (e.g. Alarm or Wheel-Lock) before they will insure you. A good caravan insurer will give you discounts for adding additional security measures and if you think about it, why would you not take the extra sensible precautions anyway?

Step 1: Previous Years without Claiming

Probably the biggest way of saving money on your caravan insurance premium is the discount that you can get from having previous years without making any claims. If you have just 3 years without making any claim on your caravan insurance policy you can get a huge discount of 45% which in layman’s terms is like shaving off almost half of the cost of your policy.

For those who have no previous years without claims on their caravan policy, or if this is your very first caravan insurance policy then there is no need to be disappointed or feel despair, we have that covered. We do not restrict this no claims discount to just your previous caravan policy. Even if you just have 1 year no claims on your own car insurance you can get a very healthy 35% discount, but if you have 3 years no claims on your car insurance you automatically qualify for the full 45% discount, the same as having 3 years no claims on your caravan insurance policy.

Step 2: Caravan Storage

The next biggest step to shaving off even from your caravan insurance premium is where you store your caravan. If you can keep your caravan stored on a seasonal pitch all year round and if your caravan is never towed on the road then you qualify for getting another huge chunk sliced off your premium with an amazing discount of 25%.

 So far with just these two steps you can amazingly chop off almost 3/4 quarters of your original premium price. That’s a huge saving in a time when money is short for many people. Let’s see what else you can do to squeeze out even more savings.

Step 3: Caravan Security

 Caravan security is probably the biggest concern for both caravan owners and insurance companies and there are some easy ways to both secure your caravan and reduce your caravan premium even further at the same time. There are a number of security devices that you can use with or attach to your caravan that can reduce your premium by a further 5%-10%. Here are the devices you can use along with their corresponding % discounts:

• Alarm – 5% discount
• Tracker – 7.5% discount
• Phantom – 10% discount
• Thiefbeaters – 10% discount
• AL-KO wheel lock – 10% discount

In addition to the above discounts you can also gain a 10% discount by storing your caravan at a Cassoa Registered compound or storage facility. [N. B. Please Note that with the above discounts (Alarm, Tracker, Phantom, Thiefbeaters, AL-KO wheel lock and Cassoa Storage) in the event that you employ more than 1 device the discounts are not accumulative and only the largest discount applies

Step 4: Policy Excess

The final step in this simple but very effective way of squashing your caravan insurance premium down to the skinny bare minimum is your policy excess. Increasing your policy excess with any of your regular insurance policies (car, house, travel etc.) is a good way of reducing your premium with many providers giving a discount for an increased policy excess. You can get exactly the same generous payback with Insurance for Caravans when you increase your policy excess. By increasing your excess to the maximum you can say goodbye to another £25 or caravan insurance costs, just like that.

Conclusion:

 You don’t always have to pay a fortune for a comprehensive touring caravan insurance policy and as I have shown you here, with a little bit of knowledge and some application you can slash your caravan insurance to a rock-bottom price and save yourself £££’s. Remember… your get what you pay for but with insurance for Caravans you can get a great value for money touring caravan insurance policy with the money only being a little bit of money.

This figure shows that there is a 1 in 10 chance that as a caravan owner you will have to make some kind of claim for each year that you own your caravan. Another way of looking at this is that if you own a caravan for 5 years your chances of having to make a claim are 50/50. And if you own a caravan for 10 years the statistics show that you are almost certain to have made a claim. Given these figures it is easy to see why deciding not to take out caravan insurance would be fool hardy and buying caravan insurance the only sensible course of action to take.

The biggest hurdle to buying touring caravan insurance is very often the cost of the insurance. Some caravan owners prefer to risk it thinking that they won’t need it and will get by without it and so do not bother with cover. They likely say to themselves “why bother, nothing will happen and I will save myself a few hundred pounds a year, besides, nothing’s going to happen to it.” Famous last words of many a not-covered risk-chancing caravan owner.

But imagine for a moment that you paid out £21,000 for your brand new caravan and owned that caravan for 10 years. Using the statistics given above it is almost certain that in that 10 years you would likely make some kind of claim, and if that claim happened to by the worst case scenario of your caravan mysteriously disappearing in the middle of the night (or even the middle of the day) that’s a year’s salary for the average worker down the drain if you are not insured.

Breaking down the cost of your brand new caravan over 10 years works out to be £2,100 per year. Even a basic touring caravan insurance policy with no discounts for no having made no claims, or having no anti-theft devices would set you back only 2/5th’s of the original £2,100 per year. Given the odds, over the long term, it makes sense both financially and for peace of mind to insure your caravan.

The good news is that it does not have to cost you an arm and a leg to insure your caravan. In fact our caravan insurance cover starts at an amazingly low price of just £55 per year. Yes, that’s right, just £55 per year. Now your not necessarily going to have fully comprehensive cover, new for old for a brand new caravan that costs £21,000, but this is a really good example of how we have been doing our very best to bring prices down and make things easier for you.

We have also added other elements to our touring caravan insurance policies to give you better prices through further discounts and savings, make it even easier for you to save more money. You can get up to a huge 45% discount if you have 3 years without claiming on either your car insurance or your caravan insurance. You can get another 25% lopped of the price by storing your caravan on a seasonal pitch, another 5% if you have an alarm and a further £25 off for increasing your excess.

I am sure that you will agree as many other happy policy holders already do that you can get some really good price savings when you decide to use our services. You can choose whatever options you want, and one of our colleagues will happily take you through the choices step by step to help you find out which of these are the best for you. Get in touch with us now to get the very best touring caravan insurance quote. You can email us, call us or fax us. Click here to send us your details by email. You can call us on 01934 424 040, or you can fax us on 01934 424 141. To get the best fully comprehensive quote, call now.

Many people’s first instinct might be to follow the advice of the MoneySavingExpert.com founder and financial guru Martin Lewis and just buy cheap caravan insurance and have done with it. However, following this advice maybe folly as it is based on the uninformed assumption that insurance is insurance and that all insurance is equal. It is not. Specialist niche insurance providers tend to have differing coverage and exclusions, usually dependent upon their underwriter.

Doing a search online will return some of the top caravan insurance companies. Sadly, of the companies you will find few if any of them seem to provide a link to their policy wording or summaries. Without this information you would have to call each company and ask for an example policy so that you can properly make a caravan insurance comparison. We provide a link from every web page directly to our policy wording and summary so that you can have the information up front and in your hands without having to call us first.

If you are a first-time caravan owner and are not sure what you should be looking for in a caravan insurance policy a good place to start might be some of the caravanning forums online. Websites such as www.caravanning4u.co.uk and www.caravantalk.org.uk might be a good place to start. Caravanners are usually very friendly and only to keen to help out other caravanners in need. These forums are simple to join and ask questions on and can be a great information source for newbie caravan owners.

When you finally have the different policy information form your search, you should have enough information to enable you to compare caravan insurance coverage and exclusions. The differences that you will tend to find are where the caravan is stored, where the caravan is used or towed and what security measures you have taken to ensure the safety and protection of your caravan. If you decide to go with a cheap caravan insurance provider your coverage is likely to be quite limited. The choice is yours… save a few pounds and risk it with limited coverage, or have total peace of mind with a fully comprehensive caravan insurance policy?

The same as when you are buying any insurance or protection scheme/agreement, it is important to make sure that you have enough to cover you for any eventuality or accident. Most insurance policies differ from company to company and underwriter to underwriter, and static caravan insurance is no exception. When you compare policies from different providers you’ll see that they are often quite close to each other in what they offer in terms of coverage, however it may be worth negotiating to see if you can get a little more for you money as some providers may be willing to add a few extras to get your business. Most if not all insurance policies will have exclusions in them and they are usually to be found buried somewhere in the small print. Make sure you read the small print so that you know exactly what the exclusions are before you sign up. Having a good understanding of your policy puts you firmly in control and in the driving seat when it comes to your best interests as ignorance is not always bliss. One thing to remember when buying static caravan insurance is that cheap is not always best and not always as good as proper comprehensive cover.

People who buy static caravans often buy them for a number of differing reasons. For some it will solely be to park their caravan on a suitable caravan park with the full intention of living in it full time for the foreseeable future. Others buy their static caravan as a time share or holiday home, only visiting for a few weeks of the year and perhaps renting the caravan for the remainder of the time. Other still may buy a static with the sole intention of renting it out as a full time holiday home. In each of these situations the insurance needs are likely to differ, particularly if you decide to go with the latter option of renting it out full time. People who own the home that they live in are ar more likely to look after the property than a person renting full time. Ensure that your static caravan insurance covers you for all possibilities of loss and damage if you do decide to rent. It’s always better to be safe than sorry.

When you have narrowed down your choice of insurance companies to a few, or even if you think that you have found the perfect insurance company to go with, take a moment to go through the policy/ies with a fine tooth comb, just to make sure that you know everything that you are covered for. There is no substitute for being thorough and this is never more so the case when it comes to financial agreements. Things to look out for in coverage and exclusions are what you are covered for externally and internally. External things to check are things like fences, patios, steps and awnings. Internal things to check would be any plumbing, appliances both electrical and non-electrical and any furniture.

While static caravan insurance is not a legal requirement, and very few of us like having to pay for any kind of insurance, nearly 10% of caravan owners make some kind of claim every year. If you contrast this with the number of caravan owners who do not have caravan insurance (approximately 28%), weighing up the cost of insurance to the cost of not having insurance and the odds that you may have to make a claim, paying for static caravan insurance is the lesser of two evils, so to speak.

Moreover, don’t think that caravans only meet accidents, for there several other risks involved with caravans. Just take the examples that your caravan could catch fire, or is stolen or broken, or your valuables from caravans could be stolen or any naturally calamity could hit it. In fact, there are several elements and weather hazards to your caravan, when you take out your caravan on the road. That requires insurance for your caravan and you will find a number of providers offering their services for insuring your caravan. Even you can find specialists and brokers, who can offer you competitive rates for insuring your caravan. It does not mean that you have to pay a lot in insurance. However, it is necessary to pay a lot when you face some accident and troubles besides along with marring the very happiness of your holiday enjoyments.

If you have made up mind to insure your touring caravan, compare insurance covers of several providers and compare their policies. You can take the example in that when you are going to compare premium, you must also compare the level of excess that is attached with every policy. You are to find out whether each provider offers “new for old” safety and if that is the case, you must also know about disclaimers and exceptions in that case. You may find their “new for old” as market cover value. You must be sure that you have understood each and every point in the policy, for every provider has different definitions and particularly, you will come to know when you are to pay. In fact, you are find true value of your premium when you are to select affordable and valuable policy to insure your caravan.

However, one things is that the substitute of old for new caravan depends on the age of the touring caravan whether it could be replaced for new or not or how it got damaged. It is very good, if your touring caravan is new or somewhat new. On the other hand, market value cover rate means that pay out for the insurance policy of your touring caravan would be at the market value of your caravan. Some other considerations might crop up for your personal things damaged with the caravan may have to be replaced.

The major point of decreasing monthly premiums is to choose the higher excess policy. It means that before the insurance company pays the rest, you are already willing to may more in excess. Your more payment would lower the cost of insurance of your touring caravan. However, keep in mind that you are to pay in excess first. You can make your caravan more secure like another thing that is of any value that means lower premium rates. That could be done through installing security alarms on the doors and windows, installing a tracking device, or parking your touring caravan in a safe place, and such other safety measures. You should always find out tips and ways of reducing your monthly premium from your provider. Then you will enjoy afford insurance for your touring caravan and best holidays too.

If you are going on a caravan holiday you will in all likelihood being taking a touring caravan which you hitch up to the back of your car or 4×4, rather than staying in a static caravan which is a much larger caravan permanently pitched in a serviced caravan park and not designed to be towed on the road. The risks to a touring caravan are different to a static caravan and it is important to know which kinds of risks are typical for touring caravans.

The most likely risk to a touring caravan is theft from the caravan or damage to the caravan. Both of these will be covered by a good caravan insurance company however it is important to check with your policy provider as to whether they will cover your caravan for damage while it is being towed on the road, as some providers may not cover this. When choosing your insurance it is always worthwhile comparing quotes from a handful of insurance agents or brokers. In addition to the cost of the insurance it is also worthwhile finding out exactly what your insurance policy will cover you for as not all caravan insurance policies are the same.

Finding an insurance company couldn’t be easier these days, with many providers having an internet presence a quick search will be enough to bring plenty of different companies for you to choose from. As of yet there are no caravan insurance direct comparison websites available so you may have to do some of the leg work yourself, but this should only take you a few minutes to some basic information and the contact details of some well established and experienced companies.

Because of the current financial squeeze, saving money whenever possible is something that many people look to do, and there are simple ways to reduce the amount of premium payable on a caravan insurance policy. Theft of and from caravans is the most common reason for claims, but apart from the simple measures that you can take to reduce this (e.g. keeping valuable items out of plain view and ensuring that your caravan is locked when leaving it).

You can save money by adding a security alarm should someone try to gain unauthorised access to your caravan, add a wheel-lock such as AL-KO, and/or fit a tracking device in the event that the perpetrators should manage to make off with your mobile holiday home. According to Thiefbeaters if you “install a Thiefbeaters identification system in your caravan and it’s a statistical fact that it is less likely to be targeted than those fitted with traditional security.” Employing one or more of these measures can save £££’s through discounting your policy.

Finally, as with any financial agreement or policy, being completely familiar with all of the details of any agreement will put you in a much better position to be able to decide how worthwhile and valuable a policy is. Policies vary in their coverage, with some having limited coverage and others providing comprehensive coverage. Familiarity with the caravan insurance policy coverage will give you peace of mind whilst on holiday, the satisfaction of knowing exactly what is covered, and what is not.