How to keep down your static caravan insurance quotes

One of the first things that you probably notice when looking for and comparing static caravan insurance quotes is the premiums differ between insurance providers. While in some cases this may be due to competitiveness of the insurance provider it may also be due to the fact of what you get for your money. For instance you may get more benefits for your money with one provider that what another offers. Therefore, it is important that you ensure you are comparing like-for-like cover.

Discounts on your insurance
When looking for quotes providers may offer discounts on your insurance if you have taken certain considerations into mind before applying for your cover. Here are some of the ways you may be able might help to keep the cost down on your monthly premiums.

A touring caravan is typically more at risk of being stolen than a static caravan. If your choice of caravan is a touring one, you may wish to consider installing a tracking device into the caravan. In the event that it is stolen, there is typically a better chance of the caravan being recovered and returned to you.

You might also wish to consider attaching a hitchlock on your caravan. This typically deters thieves from unhitching your caravan from your vehicle and attaching to theirs.

There are such as tagging schemes, caravan registration, for example and if you have a tag installed in your caravan and your caravan is recovered, the tag may help the caravan’s owners be located.

Corner steady locks are another security device that you may wish to attach to the rear end of the caravan. This may stop the front of the caravan from being raised and attached to the vehicle of a potential thief.

If you have a static caravan, you may be able to keep down your static caravan insurance quotes if you install a Thatcham approved alarm on your caravan. You may also wish to consider security lighting around your static caravan.

Tourer caravan insurance for security on the road and off

If you own a touring caravan then you need to look for tourer caravan insurance to ensure that you have security and peace of mind on and off the road. At the very least, you need to have liability insurance for protection in the event that you caused an accident and a third party were to sue you. Liability insurance typically pays towards up to so much of the cost of a legal claim.

Your touring caravan insurance policy typically covers the contents of your caravan, which may include your personal belongings. When taking a policy you may want to consider the following.

• whether the provider offers new for old or takes depreciation into account;
• whether new for old cover includes the actual caravan itself;
• find out if equipment such as Sat-Nav, mobile phones and personal DVD players are included;
• find out what limits and exclusions there are to contents insurance.

If the provider offers you new for old on your insurance policy, any items that are stolen from the caravan, destroyed or damaged are typically replaced as brand new. This may work out dearer in premiums each month but if your caravan and belongings are new, you may want to pay that little extra more. If you have an older model and only take the essentials with you, then you may want to go for cover that considers depreciation.

When taking out caravan insurance you may want to check if breakdown insurance is included in the policy. Some providers may include basic cover whilst others may ask that you pay to add it into the policy.

If you travel around Europe, you need European insurance included in your tourer caravan insurance policy. This typically means you do not have to apply for insurance at each of the countries you visit. Generally, insurance providers include so many days’ protection. If anything happened to your touring caravan and you were unable to continue on your travels while it was being repaired the policy typically pays towards alternative accommodation. Again, this is generally up to a certain amount per day for up a set period.

Benefits to check for in caravan insurance online

There can be benefits to taking out your caravan insurance online rather than going with one of the providers on the high street. The first of these is that of course you are able to take your time and compare the policy features and benefits as well as check out how much the costs are for insurance. You can also benefit from accessing a wider choice of cover, as well as maybe taking advantage of online discounts too!
Once you are online, what should you think about? Quotes for insurance may vary considerably between providers and if you are lucky, you may be able to get a suitable policy with more benefits for the same cost as a policy which is offering fewer benefits. To help find a suitable deal, here are some of the features you may want to check are included in your caravan insurance policy:

• Brand new replacement caravan – Having a policy that provides you with a brand new replacement for your caravan in the event that it is written off or stolen may be essential to you if you have a brand new model. Usually the insurance pays to replace your caravan if it is under a certain age at the time of it it being destroyed or stolen. When deciding how much to insure your caravan for also take such as steps and awnings into account along with any security devices you may have installed on your caravan – insurers may offer a discount if you have the latter.
• Low excess – All caravan insurance protection comes with a certain amount of excess you have to find out of your own pocket in a lump sum in the event of a claim. Some insurance providers may ask for a higher excess than others may so you may want to compare how much the provider asks for when applying for insurance.
• Awnings – Awnings may cost a considerable amount of money to replace if they become damaged or destroyed. They are generally covered in the insurance policy; however, they may not be covered against damage due to storm.
• Patios – If you have a patio, decking and/or fencing around your static caravan you may want to check if these are covered in with your static insurance. The exterior of your caravan is often usually covered for damage due to storm and vandalism, aerials are protected, and some providers extend cover to patios whereas others may not.
• Check the small print – Taking out your caravan insurance online gives you plenty of time to check the small print and summary of any policy you are considering. It is within the small print that you are able to find limitations and exclusions on how much provider’s payout for such as awnings and gas bottles.

Check out what caravan insurers offer before rushing into buying

There are generally two main types of caravan insurance, static and touring insurance. When looking for insurance it is essential to check out what caravan insurers offer in their cover, before rushing into buying the policy. While generally, insurance providers offer similar or the same benefits you may get more for your money with some providers than others.

Main features and benefits you may find in caravan cover
Those who have a brand new caravan may appreciate new for old cover in their insurance policy. New for old insurance brings enormous security and peace of mind for the first few years of owing your caravan. If anything were to happen to your caravan during this time, such as it being written off or stolen and not recovered you get a brand new replacement. Insurance providers generally only supply a brand new replacement within a certain amount of time, usually around 5 years; however, you may want to check with the provider before taking out your insurance.

Insurance providers may include cover for your personal possessions and such as steps, gas bottles and awnings. There is always a limit as to how much you are able to claim on the policy in the event that you lose everything so again you may want to look at the limits in the cover to find this out before buying. Also, check what you are covered against and what exclusions may apply. For instance, your awning is in most cases covered in the policy but generally, it is not insured for storm damage. If you have a static caravan and have a patio, decking and fencing around it, you may also want to check to find out if your insurance extends to these.

When looking into what caravan insurers offer you may want to check how much you are asked to pay in excess. You pay this amount out of your own pocket towards any claim you make. This amount may vary greatly between providers and of course the higher the amount of excess, the more you are out of pocket in the event of a claim. That being said, if you opt to pay a higher excess at the time of applying for cover, you may get a small discount.

The importance of making a caravan insurance comparison

When you are looking for insurance for your static or touring caravan it is important to make a caravan insurance comparison. Cost of course is a major factor in choosing your caravan insurance but along with this, you need to consider the fact that some providers offer more by way of benefits than others do. You also need to ensure that you are getting adequate protection for your needs and here are some of the many things you may want to check are included in your insurance policy.

• If you tow your caravan behind your vehicle then you need to look for the most suitable touring caravan insurance.
• If you are a caravan owner that wants to take their caravan out of the UK and into Europe then check and policy you are considering for European cover. This type of protection is often generally included in touring insurance and providers give you so many days protection out of the year. If you need more days then you are generally able to add them in, however you usually have to pay more.
• If you have a static caravan, check that the exterior is protected along with aerials on the roof against storm damage, fire and vandalism. You may also want to check to find out if any patio and fencing are also included in your static insurance.
• Whether you take out touring or static insurance, check that the contents and your personal belongings are covered in the insurance policy. These are usually insured against fire and theft; however, the policy typically only pays out for theft if your caravan is broken into. If your belongings are stolen because you have left your caravan window or door open you are generally unable to make a claim on the cover.
• Your gas bottle, steps and awnings may also be covered in the policy but your awning may not be protected for storm damage so always check.

These are just some of the factors you may wish to take into account when making a caravan insurance comparison. As you can see, while the price is important, making sure that you have an adequate level of cover for all your needs is very important. Otherwise, you could end up paying for cover that is useless to you.

Things to consider when looking for hobby caravan insurance

Possibly one of the easiest ways to find good value hobby caravan insurance is online and if you use a specialist website to search online you are then able to compare for the most suitable deal for your caravan. Caravan insurance premiums can be quite competitive as more and more individuals choose to holiday in the UK and Europe, preferring to do so in their own caravan. With this in mind, it is possible to get several quotes to compare for the most suitable and generally online you are often able to compare what you get for your money.

When looking and applying for insurance for your caravan you may want to bear in mind that one of the things that affects how much you have to pay for your cover is how secure your caravan is seen to be. When you are enjoying a holiday, you of course may take all your personal belongings with you such as personal DVD player, CDS, music players and mobile phones. All of these are at risk of being stolen or destroyed along with any other items in your caravan. If you have added security measures, such as an alarm, door and window locks and have a wheel clamp or a tracking device then you may be able to save on the cost of your caravan insurance, as your caravan may be more secure.

Do you plan on going into Europe for your holiday? If so, you typically need European cover in with your caravan insurance. However not all providers offer the same so you may want to ensure you have checked in the wording of the policy to find out how many days coverage you are offered. If you plan on touring around Europe for a great deal of the time then of course the more days cover you get for your money works out to your advantage.

Without hobby caravan insurance, if the worst-case scenario happened you might lose everything, and this may include your caravan. With it providing your caravan was under a certain age you may be able to get a brand new replacement if it was stolen or burned to the ground.

Compare caravan insurance – what to look for in a policy

When looking for caravan insurance, just as with any form of insurance, it may pay if you shop around and compare policies. There are several factors you may wish to take into account as you compare caravan insurance; there is the cost of the policy of course. However, more importantly perhaps is what you actually get for the premiums. While caravan insurance providers may offer the same benefits, some provide more than others do for the same cost.

What you get in your caravan insurance of course depends on the type of caravan insurance you have chosen to take based on your needs. There are typically four different types of insurance to choose from and these are:

• touring,
• static,
• motorhome, or
• trailer tent insurance.

The majority of caravan insurance policies typically cover theft, accidental damage and damage resulting due to storm. Usually if your caravan is under a certain age the policy provides you with a brand new replacement if it stolen or damaged beyond repair. Your belongings may be covered to provide new for old replacements or wear and tear may be taken into account. If you take cover that provides brand new replacements then of course this may work out more expensive than if depreciation were taken into account.

Normally such things as awnings and steps are included in the insurance policy but the provider may put a limit on the amount of a claim. When considering your awning you may want to ensure that this is covered for storm damage too. Awnings may cost a great deal of money if they have to be replaced and of course, they are at risk of being damaged from the elements such as high winds.

You may also want to ensure that your touring caravan insurance policy supplies money towards a stay in alternative accommodation if your caravan were to become damaged whilst touring or it was stolen. Usually insurance providers pay so much per day towards you staying in alternative accommodation and these amounts may vary with providers.

Finally, when you compare caravan insurance for your touring model and you are a frequent traveller to Europe you may want to check how many days European cover is included in your caravan insurance. Some providers offer more than others do for the same in premiums.

Do you want to know how to make savings when you insure caravan?

Caravan insurance is a necessity if you want to safeguard your caravan against the unexpected. As an owner of a caravan, you are at risk of damage to your caravan by storms, damage or theft of your belongings and there is the risk of your caravan being stolen too. With insurance behind you, these and other factors are covered. And the good news is that caravan insurance does not have to be expensive. And even better, there are ways that you may be able to keep down the cost of your monthly premiums down when you insure caravan.

The security of your caravan

One of the factors that all insurance providers typically take into account when offering you quotes for insurance is the security of your caravan. If you have very little by way of security measures installed on your caravan then you may typically expect to pay more for your insurance than if your caravan has security measures. There are different ways to make sure your caravan is more secure and harder to break into or steal.

If you have a touring caravan, you may want to consider buying a hitchlock and installing this to help deter thieves from unhitching your caravan from your vehicle while you take a break from driving. You may also want to install corner steady locks on the rear of the caravan so that the front of your caravan cannot be raised and hitched to another vehicle.

You may want to install a tracking device in your caravan, which may allow police to recover your caravan in the event that it was stolen. Even such devices as alarms or a wheel lock may all help you to keep down the cost of your insurance.

Parking your caravan overnight on a site that has security may be to your advantage and if you are looking for static insurance, choosing a secure site may help you to save on your insurance. Security measures onsite that may be taken into account when choosing your site include whether the site is walled in with locked gates at night. It may also be to your advantage when looking to insure caravan, if the site has security guards and security lighting.

What benefits are included in motor caravan insurance?

There may be many benefits included as standard in your motor caravan insurance. Of course these usually depend on you taking out a fully comprehensive insurance policy as opposed to a third party fire and theft insurance policy.

Benefits you may need in your policy

• While there are many beautiful places to visit in the UK, you may want to travel further to take in new sights and if you wish to travel around Europe, you may want to consider having European cover behind you. This ensures you do not have to stop and take out insurance at the border of every country you travel to with your motor caravan.
• You may want to check what the insurance policy provides in the way of benefits if you were to be involved in an accident whilst on holiday and your motor caravan was damaged, and you were unable to live in it. Often the insurance policy pays out so much each day for so many days for you to stay in accommodation.
• The insurance policy usually provides protection for your belongings and the contents of your motor caravan. You may want to check to find out if brand new replacements are offered or if wear and tear is taken into account.
• You may want to check the policy to find out how much the policy pays out for such as awnings. Protection is generally included for awnings but it may be up to so much, you may also want to check to find out if there are exclusions to what a claim may be made for.
• Your motor caravan insurance usually covers damage to windscreens. You may want to check to find out if this extends to windows and sunroof in your motor caravan. Also, check to see if there is extra excess to pay if your windscreen has to be replaced.

Make savings with caravan club insurance

If you are a member of a caravan club, you may be able to get your insurance a great deal cheaper. Caravan club insurance has the same benefits of any other insurance policy for your caravan but comes with discounts that are offered only to members.

One of the many ways you may be offered discounts if you are a member of a caravan club is when it comes to the security of your caravan, or to be more precise if you have installed security devices recognised by the club. For instance if you have installed what is called a tilt alarm on your touring caravan, savings may also be offered if you have installed a tracking device or a hitchlock on your caravan as both go towards ensuring your touring caravan is harder to steal.

Many times caravan clubs offer courses that you may take part in and pass and this helps to show how safe you are when on the road with your caravan. By taking part in a course and passing of course, you may be offered cheaper insurance premiums as you are seen to be a safer driver.

As there may be many months out of the year when you do not use your touring caravan, where you choose to store your caravan, may help to keep down the cost of your insurance quotes. Generally, caravan clubs offer advice and information regarding safe storage sites and if you choose to store your caravan at one of them, the insurance premiums offered reflect this.

Caravan club insurance usually offers cheaper premiums if you offer to pay more by way of excess on the policy. All insurance providers add in a minimum amount of excess you have to pay towards a claim, if one is made, but there is nothing to stop you from volunteering to pay a higher amount of excess. Give some thought when choosing your excess to the fact that this amount needs to be found by you in a lump cash sum if you do need to claim on your policy.