In selecting a caravan insurance company, you may have rather more to think about than simply looking for the one that provides the lowest ticket price:
• you may find it difficult or impossible to find a caravan insurance company that is identical to any other – they may well offer significantly different policies with their individual strengths and in some cases, disadvantages;
• your individual caravanning circumstances will be unique to you and some policies may simply be a better fit to your requirements than others and this may not be something that you will be able to deduce much about simply by looking at the advertised prices;
• for example, some caravan insurance providers may tend to specialise in policies aimed at motorhomes whereas others may have more experience in the area of touring caravans or park homes;
• insurance providers also typically differ from each other in terms of how they see the risks of a given situation – for example, some may believe that taking your caravan off of the mainland UK (e.g. to the Scottish islands) is a higher risk then not doing so and as a result, they may not include such cover in their basic policy;
• another area where you may see significant differences of approach is that of discounts, where some insurance providers may be far more willing to offer incentives (discounts) for responsible behaviours than others – an example of such may be the providers that offer discounts if you fit tracking devices to your caravan;
• you may also see that some insurance providers may cover external items such as awnings, whereas others may not – depending upon the type of caravan and the way you use it, this may be a significant area to you;
• if you are to find a caravan insurance company and the policy that is suitable for you, it may be important to take your search seriously and to compare a number of options before reaching any conclusions – it is not something that it may be advisable to try and rush or squeeze into a few minutes.
