Where can I buy cheap caravan insurance?

As the owner of a caravan, you may wonder from time to time whether there is such a thing as cheap caravan insurance and if there is, where can you buy it.

What you pay for cheap caravan insurance depends on a number of factors.

Obviously if you have a touring caravan, typically the risks you face are significantly different to those for a static caravan and they are different again to the risks for a motorhome or even a park home. So using a specialist in caravan insurance that understands completely the ins and outs of the business may make very good sense.

Comparing the policies they offer may help you achieve savings without compromising on the right level of cover for your particular circumstances.

What’s right for you

The starting off point to find cheap caravan insurance may be to spend a couple of minutes working out just what your usage requirements are. You may then be able to decide what you need and what you don’t need as a minimum level of cover. There may be other elements of cover that would be nice to have if the price was right.

Typically, different policies provide different levels of caravan cover. For example, some may include unlimited continental travel cover as part of the standard price. This may be an advantage for you if you take your caravan abroad a lot but may be something you do not need if you intend to stick to the UK for your holiday breaks.

Similarly if you know that you are the only person to tow or drive your caravan then paying for a multi driver policy may not be a sensible use of your money.

What discounts are available?

Some insurance providers may offer reduced premiums if you show that you are a responsible and security minded caravan owner. Keeping a look out for these may be worthwhile.

So, for example, discounts may be available if you:

• are a member of a recognised caravan club;
• fit security alarms;
• use only registered and flood safe sites;
• use wheel clamps and hitchlocks (though with some policies these types of security measures may be mandatory);
• use a secure off-season storage site;
• accept an excess on your policy etc.

Cheap or cheapest

A final point that may be worth remembering is that it may be possible to find cheap caravan insurance for your caravan if you sacrifice levels of cover. While this may be tempting from a premium point of view, you may find it expensive in the longer term if you end up having to pay out yourself following a problem.