Dear All

Well the week has just flown by, team meetings and One to Ones have been done and today I have the fun job of doing the action points and we can then see organise ourselves for the month.

I hope everyone enjoyed the second “video blog”, it’s quite good fun after the initial bout of nerves (I am not the most photogenic person in the world!) and it’s nice to be able to explain behind the scenes of an insurance broker. Our New Business Team will be attending the ExCel Caravan show in London which has excited them, they will be taking lots of photos and they have a BIG project to do when they return.

As mentioned we have been testing our new product and all is looking good, we are very excited by this development as it opens up new doors for the Company.

On a personal note my son has a bit of a cold this week which may see him miss nursery tomorrow, I need to call them to check what the procedure is as it’s his first proper day.

Tonight sees a visit to the Nations favourite curry house, that being Wetherspoons, the menu has expanded since I last remember it and as sad as it is I am looking forward to it!

Have a great weekend all

Mike

Here are some of the more commonly encountered questions relating to cheap caravan insurance cover.

Can I save money by purchasing cheap caravan insurance cover?

There may be a significant difference between something being cheap and it being cost-effective.

If you purchase a cheap caravan policy simply because of its low cost then you may have an immediate theoretical cost saving over another policy of higher cost.

However, it may also be necessary to take into account the costs you may incur in future if the policy does not cover you for a claim you lodge against it.  In such circumstances, the caravan cover may suddenly seem not to have been particularly cheap after all.

It is therefore advisable to look closely at the cover the policy is providing rather than simply its price and to keep in mind that what may prove cheap for one person may not prove to be so for another.

Is cheap caravan insurance cover available for all types of caravan?

There are a number of different forms of caravan insurance and significant numbers of insurance for caravans providers.

Inevitably, you will encounter price differences between them.

So, if you are looking for (e.g.) insurance for touring caravans then you may find that some policies may be more cost-attractive than others.  This may typically apply for any form of caravan insurance you are looking for and therefore suggests that comparing several options for cover may be sensible.

Can I influence the cost of my caravan insurance?

Typically yes, although the extent may vary depending on the individual policy you are looking at.

For example, some policies may offer significant discounts if you accept higher voluntary excesses.  Others may do so in situations where you have fitted additional security devices and you may also be able to reduce your annual insurance costs if you take steps to ensure that your caravan is securely stored away over the winter season.

Is insurance cheaper at certain times of the year?

Policy prices typically relate to a 12-month period.  The overall annual cost may be influenced by some of the factors as outlined above so, as we are currently in the winter season and some caravans may be securely stored, their owners may be obtaining discount relating to that factor rather than the month when they took out their insurance policy.

Having said that, the insurance marketplace changes constantly and it may be sensible to periodically take a status check on what options are available versus your existing cover.

Whether you are looking for cheap caravan insurance cover or not and irrespective of the time of year, getting the occasional caravan insurance quotation might be a good way of reassuring yourself that your existing caravan cover remains suitable.

It hopefully may not need saying but once again it might be necessary to remind you that this is not a time of year that is known as being particularly kind to caravan owners.  In other words, it might be worthwhile checking out your caravan insurance.

If you needed any reminder as to just how vulnerable your caravan may be, news from the BBC* of widespread destruction on a caravan site in Wales back in November last year, may be a wake-up call.

Some caravan insurance policies may offer incentives for storing your caravan safely and securely in special sites over the winter season and some of the photos contained in the above-mentioned article may just cause you to think again about whether or not you may wish to think on this further.

Of course, from a practical point of view, it may be impossible to absolutely guarantee the safety of your caravan even if it is securely stored in a special facility.  That is why it may be advisable to periodically sit down and consider your overall position with regard to insurance.

If you have a static caravan which is left on a site during the winter months, your static home policy may oblige you to take certain commonsense steps to reduce the risk of disaster.  These may include things such as draining down all water systems, including heating systems where appropriate and using additional battening and anchoring to try and ensure that your caravan remains were you left it.

This is not just an issue for static caravans, as touring caravans and motorhomes parked up for the winter in the open, may be at a similar degree of risk.

An equally unpleasant reality of life is that some caravan sites may be largely unoccupied during the winter months and this may increase your exposure to the possibilities of theft and vandalism.  Once again, your insurance cover may require you to take certain steps in order to try and reduce such risks.

All this may seem a far cry from those carefree days of spring, summer and autumn when you were in and around (and enjoying) using your caravan but a responsible attitude to security and caravan insurance may be essential if your caravan is still to be there for seasons to come.

*Source:

http://www.bbc.co.uk/news/uk-wales-north-west-wales-15958292

Mr Nicol from Greater Manchester wrote:

“We would recommend you to other people as we had a bad accident on the way home form scotland the caravan wheel came off as we were travelling home when we got in touch with the insurance they couldnt do enough for us.Everything went really smoothly and everybody who dealt with  us was very good we have now bought another caravan and you have dealt with the new insurance again the insurance agent dealt with us very well.We wrote a letter to AMTRUST to thank everybody for all the help and also   we would like to say a big thank you to Mr Daniel Watson for all his help the other day to renew a new policy for us may you all go onwell for a good future as we all know at the moment things are a bit gloomy kind reagrds”

Dear All

Well I am back in the office today following a fruitful trip to London to visit one of our Insurers, we made excellent progress and also discussed claims, which is a very important area and one that we take very seriously.

On the way home I saw an advert for a budget travel policy and, being an insurance broker, my first thought was “what cover are they offering?” Cheap policies may be attractive but it is important to look at what is behind the price. If you invest your hard earned money in a caravan, surely you want the best protection available? I have seen far too many of these cheap offerings and it still frustrates me to think that people do not totally understand the cover thet are being offered.

Well that’s a rant over! Tomorrow sees the staff party, we have this in the New Year which is a good thing as January is quite a depressing month financially and a free night out is always welcome!

Have a great day all

Mike