The benefits to taking out touring caravan insurance with a specialist provider can often be great, as you know you are getting cover that is tailored to meet your specific caravan insurance cover needs. And while no one likes to consider the possibility of anything going wrong that may result in a claim, with a policy behind you, you are at least protected against the unknown, which can give peace of mind.

Factors to consider when looking for insurance
So, what sorts of things do you need to think about when choosing your caravan insurance? The following pointers are a good start:

• how much does the policy payout in liability insurance towards any legal costs;
• how many days cover are included in the touring caravan insurance policy for travelling around Europe;
• does the policy protect your belongings as new for old and provide brand new replacements in the event of them being stolen or destroyed;
• is your caravan protected under the policy as new for old and what is the criteria;
• does the provider offer a reduction in premiums for added security measures;
• does the insurance provider offer money towards alternative accommodation in the event your caravan has to be taken for repairs or you cannot stay in it whilst on holiday.

These are just some of the many factors that you may wish to take into account when you are choosing protection for your touring caravan. You may also wish to check if the provider offers any extras in the policy for the same cost.

Making savings on the premiums
If you only use your caravan for a few months out of the year, you may want to take out a limited mileage insurance policy. This typically means you insure your caravan for up to a certain amount of miles on the road each year and this often allows you to get cheaper quotes.

Some providers take into account the fact that you are a member of a caravan club and they may offer reductions in premiums.

The more secure your caravan is the cheaper the insurance premiums may work out to be. Theft is a big risk when you take your caravan on the roads. However, some providers offer you savings on your touring caravan insurance if you implement extra security measures on your caravan, such as if you install a security alarm. And while we are talking about security, you should also note that many insurers make it mandatory to have a wheel clamp and hitchlock on your caravan, so do make sure you fulfil their requirements, otherwise you could render the caravan insurance policy invalid.

Finally, using a service such as ours allows you to compare quotes from a number of specialist caravan insurance UK providers, meaning you can potentially cherry pick the cover that is most suitable for your needs. And don’t forget, if you’d rather talk to someone about your caravan insurance quote, then we are at the end of the phone 24/7, happy to help!

If you are looking to renew your insurance or you have just bought a caravan and are looking for static caravan insurance for the first time then it is of course important that you choose the most suitable cover. Policy benefits may vary depending on the provider and so may the premiums, so it can often pay to shop around and compare cover.
Here are some of the main benefits typically found in some or all caravan insurance cover polices:

• protection for legal fees in the event that a third party makes a claim against you;
• new for old replacement for your personal belongings and the contents of your caravan;
• new for old replacement of the caravan itself if it meets the criteria set out by the provider;
• discounts if you are a member of a caravan club at the time of taking out your policy;
• discounts on the premiums if you have installed certain security measures on your caravan;
• protection against hiring out your caravan to other holiday makers.

Here we look at some of these elements in cover a bit more in-depth.

Cover for your legal fees

If you rent out your static caravan when not in use by yourself, liability insurance may be essential and may save you having to find a great deal of money out of your own pocket in the event that someone sues you. A claim may result if someone suffers injury or even death after having an accident whilst staying in your caravan. Legal fees can often add up to a large amount and if you have liability insurance behind you in your static caravan insurance cover, this typically pays so much of your legal costs, including compensation, if it is awarded.

Replacement belongings and caravan
The policy typically pays out to replace any belongings and the contents of your caravan if they are destroyed or stolen. If you are covered on a new for old basis, these are replaced with brand new items.

If the caravan itself is protected with new for old cover and it is destroyed, providing it meets the criteria set out by the provider (such as being under a certain age, as an example), you typically get a brand new caravan.

Discounts
If you choose a provider that offers discounts on your insurance, then you may be able to make savings on your cover. For instance, if you install a good quality alarm system on your caravan and security lighting around your caravan, it is seen as being more secure. As your insurer will like this, as it will deter thieves, he may reward you with discounted cover!

Having a membership of a caravanning club often allows you to save on the cost of the cover too, and you are able to get great tips and advice from likeminded individuals who own caravans.

Loss of rental income
One of the advantages of owing a static caravan is that you are able to rent it out when you are not using it yourself, if you so wish. This may be a great way to make extra income. However if you rent out your caravan to holiday makers and then something happens to the caravan (due to an insured risk) which makes it uninhabitable, you lose the income. If this is covered in your static caravan insurance policy, the insurance typically pays towards your rental income loss.

Your obligations
It is also important to note that when buying any form of caravan insurance, there are obligations you will need to fulfil in order to be insured. These may typically include things like draining down your heating system when your static home is left unattended over the Winter, or installing a hitchlock and wheel clamp on a tourer caravan.
These obligations can vary among providers, so do check that you fully understand what is required of you. So, if you are looking for static caravan insurance, do bear the above pointers in mind. That way you stand a great chance of getting affordable caravan insurance that suits all your caravan protection needs.

Where did last week go? Down the drain is where, here is my list of events:-

• Flu (some man and some much worse)
• Visit to consultant for my terrbily painful arms – tennis elbow x 2
• Physio commences
• Both children sick
• One child to emergency Doctor – thank goodness for Basildon NHS the emergency doctor service is a God send
• Governor Meetings
• Snow
• Rear wheel drive BMW – need I say more

The positive news is that we were all poorly last week hopefully leaving this week to focus on Xmas. I am off to Notts tomorrow to goout with my close friends at IGI Insurance – we are going to hit the town, drink, play pool, visit the casino and s till be in bed my midnight – what sad people we are.

Have fun.

Richard

P.S. Watford FC saved from relegation – hurrah and a message to Mr Russo – Graham Taylkor was right. You are a very bad man, if you do not get want you want at an AGM withdrawing your money and trying to force the club down the pan is the actions of a very bad man!

Having adequate caravan insurance can be essential for your peace of mind. And while cost is of course important, if you look for a policy purely based on the lowest premiums, your cover may potentially let you down in the event of a claim for something that is not covered under the policy.

So, what sorts of things do you need to look at?

Continental protection whilst in Europe
If you are looking touring caravan insurance and you intend to venture into Europe then check with the provider to find out if they offer continental cover in with your policy. If you travel into Europe without European cover, expect to make a stop at each country’s border to apply for adequate cover.

Alternative accommodations costs
As your touring caravan is your home away from home during your holiday, if the worst happened and your caravan was damaged to the extent you were unable to remain in it, you will have to find alternative accommodation. This may typically be included in your policy with the provider offering a certain amount of money per day for you to stay in alternative accommodation.

Liability protection
Whether you take out static insurance or touring insurance, a caravan insurance UK policy typically includes liability insurance. With liability cover in your touring insurance, you are typically covered for a claim made against you as the result of you damaging a third party’s property or vehicle. In the case of cover for your static caravan, public liability insurance covers the possibility of a guest suing you in the event of them being injured whilst staying in your caravan.

New for old protection
Your provider may offer you new for old protection in your caravan policy. If so, the provider may offer you brand new replacement items, and possibly this may extend to a brand new caravan. However, the provider typically sets out criteria, which needs to be met such as your caravan being under a certain age etc.

When taking out cover, in order to calculate that you get the right amount of protection, it can be sensible for to take an inventory of all the items in your caravan. These include any furniture, bedding, and personal items that are with you when you travel. The provider may also allow you protection for your TV, personal DVD player, or Sat-Nav equipment; however, you do need to check this in the small print.

Securing your caravan for peace of mind and savings
Security is one of the main aspects that any insurance provider takes into account when providing you with a quote for your caravan insurance. If you have bought and installed a quality alarm system for your caravan this may deter thieves and so may help to reduce the cost of your premiums each month.

On the matter of security, it is also important to note that many insurers will also ask that you install a hitchlock on your touring caravan, which may help to prevent it from being unhitched and stolen whilst attached to your car. Having a wheel clamp will also typically be a requirement of your cover, for when your caravan is completely detached. So do check the policy terms to ensure you completely meet your obligations to your caravan insurance provider.

Good afternoon

Well this may be the last blog that I do before Christmas as I am off with the family for most of the next 2 weeks. We will be going to my family on the day which will save me cooking and then back in the evening for some rest before Boxing Day.

We have done our shopping for the day so we got in before the bad weather, though I am beginning to feel this nasty cold/flu bug coming on so just as well I am not in to give it to anyone else.

The good thing about being off for Christmas is that there is some excellent sport on TV, which won’t please my fiancee but there you have it!

Anyway, whether I get to blog again or not on behalf of the Cover4 Team I would like to wish all of our customers a very Merry Christmas and a Happy New Year!

Have a nice Sunday afternoon

Mike