To ensure that you get the most suitable caravan cover for you, there are a number of important considerations you need to take in to account when thinking about caravan insurance. Here we take a look at some of these below.

There’s not necessarily a priority to these – what’s important is that they are thought about at some stage in the process.

Getting the right insurance for your caravan

As a general rule, there are specific policies for those having static or touring caravans. Making sure that you have caravan insurance that’s appropriate for your caravan is a pretty basic step to get right.

Understand your usage

There may be some differences between caravan cover insurance policies depending upon your planned usage. If for example you have a tourer and you plan to take it overseas, this may mean that you have need of some special insurance or perhaps some policies will automatically include a specified number of days’ continental cover for destinations in the European Union.

Your insurer’s requirements

Ensure you understand what your obligations are to the insurer. These are things that you will need to fulfil in order to keep the caravan insurance valid and these may vary depending on who your caravan insurance provider is.

For example, if you have a touring caravan, your insurance policies may demand certain things of you with respect to the use of security devices. As an example, you may only be covered if your caravan is immobilised via a wheel clamp and a hitchlock when it is left unattended.

For static caravans, your policy may only be valid if your van is stationed on a formal site that has full services such as gas and electricity connected. Certain forms of your caravan insurance cover may also become invalid if you fail to undertake basic precautions when leaving your static home empty – such as failing to drain down water systems etc.

Getting professional input

It’s not unusual to find that the sheer volume of choice can be confusing and even intimidating. If you’re to avoid making serious and potentially expensive mistakes, speaking to people that know and understand the market may be useful if you’re to find the caravan cover that’s appropriate for you.

That’s where we can come in to help. We understand the motor home insurance; touring insurance; and static home insurance market and can help ensure that the right cover is found – cover that fits your pocket and gives you the peace of mind that comes with knowing you have the protection of good caravan insurance in place.

Caravan insurance is our speciality – so we’d welcome the chance to offer you our expertise.

Static caravan insurance may be critically important – at least if you want to sleep peacefully at night!

Static caravans – a benefit and a risk

Your static caravan is hopefully an asset you enjoy using and feel very fond of. You may have many happy memories of stays and holidays in it and probably would hate to think of anything happening to your home away from home.

Unfortunately, few things in life are truly risk-free – and your static caravan is not one of them. The question is how does this affect your views of static caravan insurance?

Static caravans and insurance

Well, you could do nothing and just hope that your luck holds but that may not be the wisest course of action.

In the past some site owners offered caravan insurance but this approach is now being replaced by the purchase of static holiday home insurance cover from specialised providers. This type of policy typically covers things such as:

• the caravan itself including its fixtures and fittings (this may include things such as toilet tents etc);
• its contents;
• public liability;
• cover while it is hired out;
• loss of earnings if the caravan is out of action due to an insured risk happening that renders it uninhabitable.

Exclusions

These can vary depending upon the provider and it’s always a good idea to check caravan cover static insurance policies carefully to ensure that you’re comfortable with the terms and conditions.

In general, many providers will insist that the caravan is kept on an authorised site with the full provision of services such as electricity and security. Typically this form of insurance will not cover your caravan if it is left unoccupied and cash and valuables may also be excluded from cover.

There may be other various limitations on payments and other qualifying requirements – as an example, wilful or malicious damage by people that are renting the caravan.

Getting specialist advice

Finding the right balance of insurance isn’t easy. You won’t want to be under-insured but at the same time, you will no doubt be looking for the most affordable deals possible.

Using the services of a provider that is a dedicated specialist in static caravan insurance may be a good idea.

Good afternoon all

Well the week is almost over and we have been getting busier over the month which is a great sign of things to come. I was lucky to be part of a group of managers whom took part in an excellent course on Tuesday designed to help leaders and managers to improve their skills and I must say that I came out totally invigorated by it. It is refreshing and somewhat frightenening learning what you own style is and I am putting into practice what I have learned, I found the theory of win/lose vs win/learn VERY helpful (You must listen to the course!)

I had a poor start to the day as my son ensured I had just 2 hours sleep the night before as he is teething and this caused a stomach upset. Oh the joys! My weekend consisted of cooking a very nice meal for us on Saturday which was a Chicken Casserole and is now Fliss’s favourite. I dare say I shall be in the kitchen more often now!

Thankfully pay day has arrived and we can now afford things again. I’m more worried about sleep at the moment.

We have a very exciting new Scheme launching soon, please keep your eyes pierced. We are currently in the test development so far and this will continue until things are ready to go live.

Happy touring

Mike

Here at Cover4 we have been working with Mark Solomons to develop our Managers and Leaders. Mark has been working with me and I have found his coaching and courses to be life changing.

Whether you and your business are looking for Coaching, Leadership development, organisatinal development or personal development then Developing Potential really could be the right partner for you.

Our Managers attended a tailor-made course on Tuesday and already the difference is clear to see – as with all training the importance is in us as a Company encouraging our team to put into practice what they have learned and that is a development we are working on!

Have a look at their webiste – www.developingpotential.co.uk.

Richard

Getting the best possible deal for touring caravan insurance without compromising on levels of cover may be only a few clicks away if you telephone or visit the internet site of a specialist caravan insurance provider.

Making use of the experience and expertise of specialists may be an extremely good idea particularly when it is also provided free of charge.

Before you try out their caravan insurance online quotation systems it may pay to have basic details of your caravan to hand including things like:

• the make and model and the serial number if you have it;
• the age of your caravan;
• separate figures for the value of the caravan, the contents and the awning
• where and how frequently you intend to use it;
• claims history;
• the age and experience of the drivers of the towing vehicle.

There are also a number of other factors that may typically be important in the quotation process for touring caravan insurance.

For example, if you are a member of a caravanning club it may be useful to have your membership details to hand as this may make you eligible for a reduction in your caravan cover premium.

Your obligations

Also check what your obligations will be to the caravan insurance tourer provider as many will have certain safety and security requirements that you will need to fulfil. For example, they may typically require that your caravan be fitted with a hitchclock when left unattended and if not attached to a towing vehicle, a wheel clamp as well. Subsequent failure to use these measures – if required by your caravan cover UK provider – may invalidate your caravan insurance policy.

Because there may be times when your caravan may be left unattended for potentially long periods of time you may find that the terms and conditions of your policy may be different depending on whether the caravan is in use or not. Even if you have a security alarm fitted, removing personal belongings from the caravan when you are not using it may be a sensible approach.

Taking to the highways in your caravan can be a wonderful way of seeing the world around you. Having the comfort of knowing that you have a good level of touring caravan insurance in place can make the experience even more pleasurable.