Compare caravan insurance with a few simple questions

When you have phoned around or collected a few quotes on the internet, your next task may be to compare caravan insurance policies. Whether your caravan is a touring, static caravan or a motorhome, there are some questions that may be useful to ask about the cover available.

How much is it?
The price of caravan cover insurance may be the first thing that jumps out at you when you are collecting quotes. But the first price that is quoted to you may not be the most competitive rate available from that particular provider. When you compare caravan insurance offers you may wish to enquire whether discounts are available for:

• caravan club membership. Why not take advantage of your club membership and see whether the organisation you have joined has negotiated a discount for its members;
• security measures. Some insurers may insist that you fit a wheel clamp and hitchlock as the bare minimum, but you may be entitled to a discount if you have more advanced and more effective forms of locks or alarms in place;
• no claims discount.

What cover will you get for your money?

The list of risks covered by a caravan insurance policy may seem long and frightening, and both you and your insurer hope that none of them will affect you. However, it may be worth reviewing the list of insured perils when you compare caravan insurance quotes, to get an idea of how the different insurers measure up.

A typical policy may cover:

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

Policies may cover both the contents and the structure of the caravan, although you may wish to check the exclusions and limitations that apply. For instance, claims for a single item under the contents cover may be limited to a particular amount, which may be worth bearing in mind if you are considering taking pricy items with you on holiday.

Other terms and conditions that may be worth reading carefully include what the insurer expects of you. For example, if you have a static caravan, winter cover may only be available if you drain the heating system, to reduce the risk of damage caused by water in the pipes.

Similarly, when you compare caravan insurance quotes you may wish to look at the finer details like the excess different providers put on claims. An excess is effectively the lowest claim an insurer will consider. If your caravan suffers damage that costs less than that amount to repair, the cost will have to come from your own funds.

What can we do for you?

If you are looking for insurance caravan comparisons and want to speak to someone rather than compare caravan cover online, our staff can help you compare caravan insurance policies. With our friendly and efficient service, our UK based team can discuss your caravan cover options, finding you specialist cover that gives you the protection you need and at a price that won’t upset your bank manager!