Buying low cost caravan insurance may not be just as easy as picking the policy with the lowest premium.
If you are buying caravan insurance for the first time or are looking around for a renewal, it may be a good idea to bear in mind that some low cost caravan insurance policies may offer correspondingly low levels of cover.
If you don’t, you may end up having to pay for something that you thought your caravan insurance should cover but unfortunately doesn’t.
Whatever type of caravan you have, the caravan insurance cover that is suitable for you may be closely driven by how you use your caravan and what measures you take to keep it safe and secure.
Tourers
If you have a tourer, for example, you may need to consider things like:
do you use your tourer exclusively in the UK or abroad as well;
do you use it for one holiday a year or are you out and about in it more frequently;
have you fitted security alarms to help prevent theft;
do you use a hitchlock and wheel clamps;
where do you store your caravan out of season.
Statics
There are similar considerations for static caravans:
is your static located on a site with a history of flooding;
how frequently is it used;
does your chosen location have an on site warden;
when not in use, where is it stored.
Motorhome
is your motor home used exclusively as a recreational vehicle or do you use it for daily commuting as well;
is it typically parked on or off road;
do you use it in the UK only.
In summary, low cost caravan insurance may not necessarily be the cheapest caravan cover but a policy that offers you the features and benefits you need at what you perceive is a realistic, perhaps even low cost, caravan insurance policy.
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