Looking around for cheap tourer caravan insurance

You may be one of those people who may think that one of the main areas where economies could be made, especially when times are so tight, is in caravan insurance. If that is the case and you are looking to save some money by buying cheap tourer caravan insurance, there may be a few points that you may wish to consider:

• what is cheap tourer caravan insurance for you may not be cheap for someone  else – everyone has different requirements when it comes to the must haves of touring caravan insurance cover;
• the cheap banner price advertised by some providers may actually offer only a limited level of cover, which may or may not be suitable for you and the way that you use your caravan;
• you may find, for example, that some policies only offer cover if you use your caravan in the UK. This may be all very well if you tend to stay here for your holidays but if you prefer to aim further afield, then a policy which provides continental cover as standard may be more what you are looking for;
• if  you are looking for a cheap caravan cover policy which offers you new for old cover for your caravan, then you may find that some providers may be more generous in this respect than others, offering a new replacement for caravans up to 5 years old if you have been the owner since new (other policies may restrict the age limit to 3 years);
• you may be able to influence the price of your touring caravan cover by opting for a policy where discounts may be available for membership of a caravan club (known as caravan club insurance discounts), for example, or if you are able to keep your tourer off road in your driveway when you are not using it;
• not all providers may be happy to offer you a quote if you have previously claimed on a policy. There are some that do though, such as ourselves;
• when evaluating cheap tourer caravan insurance policies, it may pay to carefully read through the terms and conditions of cover, as some policies may restrict the value of some of the features they offer. For example, there may be an unrealistic level of cover for your caravan contents insurance or in the limits applied to third party liability cover;
• you may notice when you get a caravan quote that the premium price is tied in to the value of your caravan – the more valuable your caravan, the more you are likely to pay in premiums. Undervaluing your tourer to get a more cost effective deal on your tourer caravan insurance may backfire if you have make a claim and discover that your payout is based on your undervalued estimate.