Insurance for a static caravan

Having a static caravan to escape to for weeks and weekends is a convenient joy. One of the issues most owners face is that even in the places in Britain where the weather is best, there are likely to be long periods during the winter when the caravan is unoccupied. This means, that even if your caravan is on a reputable and well managed site, it is at the mercy of freezing pipes and vulnerability to damage, vandalism and unauthorised occupancy. Just like your main bricks and mortar home, your static caravan should be protected by proper insurance. Caravan insurance provides peace of mind that in the event of a major event, your losses should be covered.

Many static caravans boast coastal or remote rural locations and whilst this is huge benefit during the warmer months, the storms of winter can wreak havoc. Unlike touring caravans which can be stored or parked in a sheltered position, static caravans are exposed all year round.

It is important to do your homework before looking for insurance. Providers of caravan insurance and caravan insurance brokers will need certain information and this includes knowledge of whether the park where your caravan stands has suffered flooding or storm damage in the recent past. This fact may deter offers of insurance or will bump up the premiums considerably.

Consideration must also be given to the terms of the caravan site. There will undoubtedly be conditions and rules that are expected to be covered by your insurance. It is important to understand these to ensure your policy provides adequately.

Another important factor is the value for which you insure the caravan. The amount of insurance should be the unsited retail value plus the value of resiting the replacement van. Don’t forget to include in your valuation any outside “add-ons” such as storage containers, sheds and verandahs. You should also have contents cover. Some policies will specify that your valuation should include the costs of clearing the site in the event of your caravan being totally damaged in a storm or other catastrophic event. The terms will state what happens if your caravan is destroyed – i.e. will you receive new for old or current retail value.

If you intend to let your caravan your insurance policy must cover you for loss of income for if the caravan becomes unusable and unable to be let. Additionally, you will need liability insurance to ensure that in the event of someone renting your caravan being injured, you are covered.

As with all insurance, there are many providers so it is best to shop around for a good policy at an affordable premium. Caravan insurance brokers and comparison websites are a good place to find excellent deals.

Caravanquoter are caravan insurance brokers for static and touring vans

Business insurance for those working from home

With millions of Britons now working from home, some people are unaware of the insurance requirements for such small enterprises. Fortunately you can sort your business insurance online quickly and efficiently if you know what kind of cover you need. Some people are under the illusion that any business equipment in their home will be covered by their home insurance policy, but this is not always the case – home insurance policy are designed to protect personal possessions not business assets and for this reason it is strongly recommended that even the smallest business insures its equipment properly. In fact if you employ one other member of staff it is a legal requirement to have employer’s liability insurance.

So, if you’re searching for your business insurance online what sort of things are you looking to protect? Well here are a few of the more common examples:

• Computer equipment and other office contents – the standard range of cover is about £7500 to £20000 – just have a look around and starting adding it up, it can reach this level much sooner than you think.
• including portable pieces of equipment like PDAs and smartphones – these are normally covered up to £1500
• Business interruption insurance will protect you if anything stops the business from functioning in its normal way. If your business is very small and not your major income then you may not consider this cover essential, but if it is your main or only income it is highly desirable.
• Public and employer’s liability – this is to protect you from any claims from either a member of the public or one of your own employees. These can get very expensive very quickly and are becoming more and more common nowadays. Standard cover will insure you up to about £2 million.

Before taking out any business insurance you should check your home insurance to see what level of insurance is already provided and also to inform them that you are working from home, as this may affect your other policy. A further thing to check is that your car is insured for business use, if you use it regularly in the course of your work.

You can obtain quotes for business insurance online at Specialist Risks

Cutting the Cost of your Motorhome Insurance

photo credit: joestump

Insurance can be very costly, especially if you are paying for car insurance, home insurance, travel insurance and on top of all that, motorhome insurance as well. However, there are a few ways in which you can cut the cost of your motorhome insurance premiums and save yourself a bit of money:

Motorhome Security
Motor homes are often targets of thieves as there is a high likelihood of there being valuables within, such as a TV, kitchen ware, clothes or a CD player etc, and because of this the insurance can be quite costly to protect all these goods.

However, if you protect your motorhome with security devices, your belongings will be more secure and your insurance premiums will fall. Although your motorhome may already have an alarm, why not add an extra cabin door lock, an immobiliser, a steering lock or even a tracking device, all of which will help lower your premiums.

Insurance Excess
Another way to reduce your motorhome insurance premiums is to increase the excess on your policy. As there are a lot of valuables to cover in a motorhome it could be a big payout by the insurance company. However, it you are willing to pay more of this yourself, with a high excess, they will lower your premiums.

No Claims Bonus
Like with car or home insurance you will benefit from a big discount on your motorhome insurance if you do not claim. If you stick with the same insurance provider and avoid claiming over a number of years you will find yourself with a big discount and extra money in your pocket!

Locations
One of the main concerns an insurance provider will have is where you are storing your motorhome and where you are travelling in it. If you can keep your motorhome in a garage at home and only use it to travel in the UK you will find that the insurance premium will be lower than for those parked on the road and travelling throughout Europe.

It may seem simple, but these basic steps could send you a few hundred pounds each year on your motorhome insurance policy.

Saving money on car insurance in Northern Ireland

Not too many of us enjoy paying our insurance premiums and as a result, we may be regularly looking for ways in which we might save money on car insurance in Northern Ireland.

Here a few ideas, which may appear to be obvious, but they are sometimes overlooked:

• if possible, try to keep young or inexperienced (drivers who have only recently obtained their licence) off of your policy, as they may push the premiums up considerably;

• the bigger and more powerful your vehicle is, typically the more it will cost to insure it, therefore, driving rather more humble vehicles may help to keep your insurance costs down;

• nobody doubts the visual attractions of a two-seater but remember that they (and sports models in general) may frighten some insurers and that will push your costs up;

• the premiums of car insurance in Northern Ireland are typically directly related to the insurer’s perceptions of the risks involved in offering you cover, therefore, picking up driving convictions may simply add to their perceptions of the risks you pose and that may mean higher premiums for you – so, drive very conservatively and keep your licence clean;

• accepting a higher voluntary excess on the policy (i.e. agreeing to pay a higher amount towards the cost of any future claims) may be rewarded with discounts on the price of the policy;

• much has you may be tempted to put a new engine into your vehicle or to change the wheels for a larger and more street-cred set, it may be advisable to avoid doing so, as customising your vehicle may result in your motor insurance company increasing your premiums;

• if you have a garage, driveway or a rear garden that is accessible from the public road, parking your car in any of these locations may result in lower premiums than if you park it overnight on the public highway;

• finally, try to avoid making certain forms of relatively modest claims on your policy as in some cases, this may put at risk your no claims discount and that in turn may lead to higher prices for your car insurance in Northern Ireland.

Getting the best Dental Insurance quotes

Much like everything in the modern economic climate, prices of dental bills are rising to staggering rates. Unfortunately, pretty much everyone will require some form of dental work at some point in their lives, and when the bills are excruciatingly expensive, sometimes it is just easier to put up with the pain!

Nowadays however there is a growing interest in a new type of insurance, dental insurance. Similar to all other forms of insurance, dental insurance can protect you from what we all fear, a hefty bill which we are incapable of paying. Dental insurance normally covers you for unexpected payment and if there is a big piece of work that needs doing that has been sprung on you it may help to cover some, if not all, of the bill.

Prices are competitive because of the relatively new development of this form of insurance, meaning that companies are setting their charges low to try and attract new customers. It is very easy to get dental insurance quotes and requires a very similar process to acquiring quotes for all other insurances. Using online comparison websites is a perfect way to get your dental insurance quotes and can provide you with some flexibility in terms of exactly what you want covered in your policy and what add-ons you would like to have which could allow for more cover.

Of course, when considering which insurer to go with you should always consider which one offers you the best value for money whilst still offering an exceptional level of customer service. This is mainly because customer service is so important when dealing with insurance, as they will be your first point of contact should you need to make a claim. If they are not properly trained then you will end up being the one who suffers as a result. You should certainly try to research your insurance company before getting a policy with them, just to make sure their credentials are what they make out they are, and to ensure you have complete security in your policy.

Get competitive dental insurance quotes today.

What would you describe as the best touring caravan insurance?

The best touring caravan insurance may prove to be a subject of intense debate between caravanners. What may be considered by one to be the best tourer cover for them may not prove to be the best for another.

Your views may be significantly influenced by how you use your caravan but there are a few points that may be worth thinking about:

• if you are someone that enjoys continental holidays then you may wish to consider a policy that offers good continental cover as standard;

• if you enjoy using your caravan extensively in any country, then the best touring caravan insurance for you may be one that contains a generous allocation of acceptable annual mileage in its standard provisions;

• some tourer policies may contain extensive restrictions as to where you may park your caravan overnight when in use – some of those may be more of a problem for you than others;

• you may find that the caravan contents cover provided by one insurer may be better suited to your possessions and furnishings, than those of another insurer;

• if you are particularly interested in trying to obtain a cost-effective deal, then those policies that offer the greatest scope for discounts through various forms of risk-reduction behaviour (e.g. fitting alarms and trackers) may be particularly attractive to you;

• it may not be unusual for touring caravan insurance to specify certain requirements with respect to towing drivers’ age and experience levels, however, some policies may specify requirements that you may find it difficult to comply with in some situations;

• if you are able to garage your caravan when not in use overnight (or park it on your driveway or in the garden etc) the best touring caravan insurance for you may be a policy that offers discounts for those people that are able to store their caravan off the public road at night.