Your touring caravan insurance quote

Getting a touring caravan insurance quote may be one thing, understanding what it tells you may be something completely different.

You may be forgiven for thinking that the only important piece of information provided in a quote is the cost of the premium. While the price is undoubtedly important, it really only makes sense in the context of the cover it provides.

To take a non-caravan example, a pair of shoes may be on sale at a fantastic bargain price but if you take a size 8 and the shoes are a 6 then it doesn’t really matter what price they are, they are no good to you.

If you have touring caravan insurance quote that offers 30 days’ continental cover but you like to get away for 3 months abroad each year, then it’s not going to be much use to you.

Before you can act on your quote, you need to match what you need against what’s on offer.

Even once you have a good match, then you may benefit from looking at those policies that may offer discounts in some circumstances, which could help reduce the price a little.

So, for example, if you are member of a recognised caravan club you’ll find that we can offer a caravan club insurance discount to club members. This is because we view membership as a sign of responsibility and maturity. Responsible caravan owners may adopt a more serious approach, which could result in fewer claims.

Reducing risk

Reducing the risk to your caravan may see you get a more attractively-priced premium, though do note that certain security requirements will be mandatory with many caravan cover providers. For example, policies may require that you fit a hitchlock if you leave your caravan attached to an unattended vehicle. Unhitch the caravan and you may need to fit a wheel clamp.

An area where you could help to reduce risk to your touring caravan relates to where it is parked when not in use.

If it is left on a public road, then it may be more at risk from:

• being stolen or broken into;
• passing vandals may cause damage;
• another vehicle may cause accidental damage.

Your tourer may not be 100 per cent safe in your driveway but the chances of it sustaining damage may be greatly reduced. Even better, storing it away at an approved site may not only give your caravan greater protection, but may see you get a discount on your cover, too.

A touring caravan insurance quote can be an extremely useful tool in helping find the most appropriate policy for you – if you remember what to look for.