Using an online site for holiday caravan insurance

Whether you have a touring caravan, a static, a motorhome or a trailer tent, getting holiday caravan insurance has never been easier.

Either online or by phone, you can now get a holiday caravan insurance quote from a number of providers.

This can give you the benefit of being able to easily identify those suppliers whose policies meet your needs for caravan insurance cover most closely or who may be able to offer discounts relevant to you and how you use your holiday caravan.

Static risk

If it is static caravan insurance that you’re looking for, then you may find that some suppliers may rate damage from flooding as one of the higher risk factors.

Choosing a site with no previous flooding history may therefore reduce this risk and the premiums for cover should reduce accordingly when compared to a site where there has been trouble from flooding in the past.

So while those sea or riverside views may be very relaxing as you sit and watch the sun go down of an evening, they may come at a price!

Tourer security

With a touring caravan, on the other hand, its very mobility is the main risk factor.

Non-caravan owners may not realise just how attractive touring caravans are to thieves.

So you may find that there will be policies, which expect you as a responsible owner, to take some common sense security measures to try and prevent your caravan from falling into the wrong hands.

These could include things like:

• fitting a wheel clamp when your caravan is left unattended while attached to the towing vehicle;
• adding a hitchlock when the caravan is left unattached;
• possibly installing a tracking device.

Also note that with some providers, hitchlocks and wheel clamps are obligatory requirements as part of your cover.

Awning space

All caravan owners may enjoy the additional space that an awning can bring to a holiday living area.

Your caravan insurance may require you to state specifically whether or not you want awning cover included. You may also be expected to take a bit of the responsibility for the safety or your awning yourself. This could include making sure that it is safely stowed away if you are absent from the caravan.

Holidays only

You may need to bear in mind that typically static caravan insurance won’t be valid for any form of dwelling used as a permanent residence. In some circumstances and depending on a number of factors, park home insurance may be required. If you are unsure where you stand on this, then please do get in touch.

In summary, getting the most from your holiday caravan insurance may not necessarily mean paying the earth. You just need to know where to look.