Posted: November 23rd, 2009 | Author: admin | Filed under: Caravan Insurance | Tags: 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.
Posted: March 23rd, 2009 | Author: admin | Filed under: Caravan Insurance | Tags: caravan insurance online
If you choose caravan insurance online you are able to benefit from some of the biggest savings and get a great deal of information regarding caravan insurance. If you choose to use a specialist broker to get your caravan insurance with, then they will be able to search around on your behalf and find you the cheapest deals to compare. This not only saves you a great deal of time but also a great deal of money.
When considering caravan insurance online you can choose between static caravan insurance and touring caravan insurance depending on what you do with your caravan. If you have a static caravan then you will need a different type of insurance than if you are travelling around with your caravan.
For instance if your caravan is static and you rent it out then your insurance policy could need to include protection against a loss of rental income if your caravan had to be taken away for repairs.
Whatever type of caravan insurance you need it should include personal belongings cover. If you tour around in your caravan for many weeks out of the year it could be like a home away from home while on holiday and as such you will have your belongings with you. These would need to be protected against theft, damage and loss.
If you have a static caravan and you rent it out then you would need to check to ensure that items in the caravan were insured against theft and damage by those you were renting out too. Also check that cover is included for such things as steps, gas bottles and awnings as these can be expensive to replace.
If you are looking for touring caravan insurance then you would have to decide if you wanted European cover. European cover could add expense onto the insurance policy and providers can differ when it comes to the amount of days protection you would be given. European cover would payout for recovery of your caravan and repairs and it could also payout for alternative accommodation if you cannot live in the caravan.
There are ways you can make savings on caravan insurance online and one of them is to offer to pay out more in excess than what the provider asks. All providers will state a minimum amount of excess that you would have to pay if you made a claim. The excess would have to come out of your own pocket as a lump sum so this would have to be taken into account when offering to pay more in excess. Also take into account that if you should have to make more than one claim in any one year you would probably lose out.
The safer your caravan is then the cheaper the insurance can be. Therefore if you pay out for such as door alarms, window locks and a smoke alarm you can make savings on the cost of your insurance. Parking your touring caravan in a garage under lock and key can also save you money on the cost of insuring your caravan.
