How to look for cheap caravan insurance

Looking for cheap caravan insurance is an individual thing based on your expectations. What may be cheap caravan cover for you may not be for someone else. For example, you can get cheap caravan insurance policies that are cheap because they offer the bare minimum of cover. Or, you may define cheap insurance for your caravan as being a policy that has all the bells and whistles attached and is at what you consider to be a good price!

Either way, the price and what the caravan insurance cover entails will typically be the major influencing factors on which caravan insurance policy you buy.

Is the price right?

If you have a static caravan, insurers may decide a price for your policy based on the address and claims history of the site where the caravan is based. So if your caravan is parked on a site that has a history of flooding and has had problems with crime, the premiums you get quoted may not be as low as for a caravan on a less troubled site.

By the same token the postcode of where you keep a touring caravan or motorhome may also have an effect on the price of the caravan insurance quote.

Whilst you may not be able to move the caravan this season if location is a problem, cheaper caravan insurance may still be within your reach if you have access to the following discounts:

• lower prices for members of caravanning clubs. Such clubs typically have the bargaining power and clout to negotiate significant discounts on the headline prices that insurers offer;
• security. For touring caravans, hitchlocks are typically an insurer’s minimum requirement for doing your bit to keep the caravan safe and secure. However, for both touring and static caravans, stepping up your security campaign may have the dual benefit of reducing the risk of theft and bringing down your insurance costs.

What about the cover?

Cheap caravan insurance may sometimes still be comprehensive caravan cover, as long as the risks that you would typically expect to be mentioned are included in the insured perils specified. Caravan insurers may typically cover the costs of damage from all or some of the following:

• storm;
• fire;
• earthquake;
• flood;
• theft;
• malicious damage; and
• accidental damage.

The small print

An important part of buying cheap caravan insurance involves reading the small print, as it would be unfortunate if you were prevented from being able to make a claim due to a failure to adhere to the terms and conditions. Accordingly, it makes sense to ensure that you have complied with any maintenance and security obligations the insurer has set.