Posted: December 15th, 2009 | Author: admin | Filed under: Caravan Insurance | Tags: best caravan insurance
When choosing the best caravan insurance for your needs, many different factors have to be taken into account. One of these of course is the cost of the cover. You also have to be sure that you are taking out a policy that is suited to your caravan needs. For instance, if you have a touring caravan you need tourer insurance, and if it is a static caravan, then static insurance.
Caravan insurance varies in cost and when considering buying a caravan you may want to give some thought to the insurance for it. For instance, if you buy one of the German models of caravan you may find it harder to get insurance than you might if you buy UK model. You may also pay higher insurance premiums as some of these models pose a high risk of being stolen.
If you have a static caravan then you may want to check with the provider to find out if your insurance covers the exterior of your caravan. For example, if you have a patio, decking and fencing around your caravan these all add up in value, and if you lose them along with your caravan and they were not covered you lose out.
You might want to ensure the policy includes a loss of rental fees if you rent out your static caravan, if you are unable to rent it out if it becomes damaged due to an insured risk.
A touring caravan is at risk of thieves when you are out on the roads travelling to your destination. If you stop for a break, your caravan may be unhitched from your vehicle if you do not have preventative measures. If you install a hitchlock, this typically stops thieves from unhitching your caravan and taking it away. Security devices such as this may help to keep down the premiums of the insurance.
When choosing the best caravan insurance for your needs, and you wish to tour around Europe, find out if European cover is included in your policy. Providers typically allow you so many days coverage out of the year. Some may offer more than others so compare this.
Posted: March 12th, 2009 | Author: admin | Filed under: Caravan Insurance | Tags: best caravan insurance
There are many factors you can take into account to ensure that you get the best caravan insurance premiums possible when looking for cover. However while you would of course like to get the cheapest premiums possible it is also essential that you do take out the correct insurance for your needs.
With this in mind it is a good idea to sit down and actually work out what you want to protect and what you do not need in the cover. For instances if you have a brand new caravan then it would make sense to take out a fully comprehensive policy as this would provide you with the most insurance for your caravan which would include your personal belongings. However if you have or are buying a second hand model then you could look at taking out third party fire and theft insurance which is the cheapest type of insurance for your caravan but provided minimal cover for your own caravan.
In order to get the best caravan insurance you would also have to take into account what you use your caravan for. If you only use it for a couple of weeks out of the year then you might not need a full featured policy which would boost up the cost of the insurance. However if you tour around Europe then you would for example need to ensure that you have European cover included in with the insurance and check for how many days you would be protected.
If your caravan is parked on site and you rent it out then you could also check the policy to ensure that you would be protected in the event your caravan was unusable which means you would not be able to rent it out and so could lose money.
To keep the cost of caravan insurance down you can boost up the amount of excess that you would have to payout if you should need to make a claim on the insurance. By offering to pay out more in excess you could keep down the cost of the insurance but you would have to take into consideration that the sum of money you choose to pay in excess would have to be paid as a lump sum out of your own pocket. Also take into account that if you had to make more than one claim in any one year you would probably also lose out.
Ensuring your caravan is hard to steal or damage is a great way to make savings on your caravan insurance. You could fit such things as door and window locks and a smoke alarm and all of these things will go towards ensuring that you premiums remain as cheap as possible.
If you join a caravan club this can also be one of the best ways to get the best caravan insurance for your needs. Many times members of clubs get special deals on their insurance and along with this you have access to a network of other caravan enthusiasts who will be able to supply you with hints and tips on all aspects of your caravan and what to look for when taking out insurance.
