How to compare caravan insurance

If you are used to shopping around to get a good deal, you may consider applying the same tactic to your touring or static caravan cover. If you want to compare caravan insurance, you may wish to consider what is available under the following headings to make sure that you are getting insurance that suits your needs.

The price
Looking at the price may not be as simple as lining up quotes and picking the lowest. Instead, you may wish to consider also which policy offers you value for money.
Factors you may take into account may include:

• whether any security discounts are available. Some insurers offer club discounts (for example, if you are a member of the Caravan Club), or take into account extra security measures you may have had fitted. For a touring caravan, you may find that hitchlocks and wheel clamps are expected in any event. If you have fitted anything over and above that, mention it to your provider;
• whether discounts are available for caravans stored on particular sites. If your caravan is stored on a site that is known to be well maintained and security patrolled, you may find that providers may offer a discount; and
• the geographical limits of the policy. Will your cover follow you around the world, if that is where you are going? If you intend to go outside of Europe, you may wish to check that this is included when you compare caravan insurance.

The cover
Another aspect when you compare caravan insurance is the cover that is available. How do the providers’ lists of insured risks compare? Providers may vary, but the risks often covered may typically include:

• storm;
• flood;
• fire;
• malicious damage (do note that not all providers will offer this cover, but we do!);
• theft or attempted theft; and
• earthquake.

Whilst you may not be holidaying in a place that is well known for earthquakes, it’s better to be safe than sorry!

Contents
If you added up the value of everything in your suitcase and your caravan, you may be surprised at how much it is all worth. Not only is the value important, but the hassle of replacing everything if it were stolen or damaged could really take the edge off your holiday!

Contents insurance may be offered as part of your caravan cover. If you take valuable things with you on your travels, you may wish to revise this practice or check the details of the policy. Some providers have maximum limits for single items, so you may wish to arrange alternative cover for them.

Your conclusion
Finally, when you compare caravan insurance you may wish to use the level of service provided to influence your final decision. How long does each provider give you to make a claim? Have the staff been helpful with any questions you have had so far? At Cover4caravans we pride ourselves on providing a first class service from the moment you visit our website or give us a call, right through the quotation process, and throughout the life of your policy. And should you ever need to make a claim, we will help make sure that the process goes as smoothly as possible.