Here are some of the questions that we occasionally encounter when people are thinking about the best caravan insurance quote.

What would be the best caravan insurance quote for me?

Nobody but you can really answer the question.

So much depends upon your individual situation and caravan that it might be dangerous to start predicting what would be the best caravan cover for you.

What is important is that you exercise a degree of choice and assessment.  There are many opportunities for caravan insurance out there and it may be simply common sense to take the time to look carefully at a number of options.

In passing, keep in mind that advertisements claiming to offer the best caravan cover may be using a little advertising licence.  Inevitably, what may prove to be best for one caravan owner might not prove to be the best for another.

Shouldn’t I just choose the cheapest quotation?

The attractions of what appears to be low-cost cover may be strong but it may pay to think about your caravan insurance on a broader basis.

Although saying that you may get what you pay for would be a little simplistic, it is a fact that the cover provided by one policy may vary significantly to that offered by another.  Those variations may, particularly in the event you need to make a claim, prove to the more important to you than relatively modest price differences.

Why should I consider changing caravan insurance providers?

Assuming that you are perfectly happy with the service and cover you are currently getting, there may be no obvious reason to do so.

However, even in such circumstances it might still be advisable to periodically look for some caravan insurance quotations so as to check that your existing cover is still competitive in terms of other options in the marketplace.

Can I bring down my insurance premium?

Possibly.

Some policies may offer various options for reducing your insurance cost and some of those relate to changes in your behaviours.

For example, although at this time of year we are considering getting our caravans ready for season ahead, towards the end of the summer we may be thinking about closing them down again for the winter.

Some policies may offer discounts if you place your caravan into secure winter storage rather than simply leave it on your driveway or the public street.

This is possibly only one of many such options that may exist.  Being prepared to invest a little time in studying quotations carefully, may help you to find one that you consider to be the best caravan insurance quote for you.
 

No sooner has the New Year begun then we are greeted by the first images of caravans floating away on floodwaters in one part of the country or another.

One recent example* arose when a river flooded causing considerable damage to an adjacent car and caravan park.

Although the BBC news item gives no details as to any caravans damaged, it is nevertheless a timely reminder of the importance of caravan insurance.

If that statement causes you to complacently sit back and tell yourself that you don’t need to worry because you already have caravan insurance, then you may need to take a quick reality check in terms of your existing policy.

The reminder for caravan cover applies not only to anyone who is using a caravan without insurance but equally to those who are not entirely clear as to whether or not their policy covers flood perils.

The position may vary considerably between policies and is not easy to summarise, however, there are a few points that you may wish to keep in mind:

• some policies may cover damage due to flooding – but sometimes only in situations where you have parked or sited your caravan on a site that has no previous history of flooding and which is not listed by the local authorities and environmental agencies as being at high flood risk;

• yet other policies may offer cover but only if the site is a formally designated one, meaning that (e.g.) casual riverside parking of tourers in flood-risk areas may put elements of your cover at risk.

In a brief article of this nature, it is not really possible to discuss all possible scenarios and situations.  The caravan cover provided under the terms and conditions of your policy may also influence the exact position for you considerably.

All that can be said is that news items such as the one referenced below, should serve to remind any caravanner of the risks that large bodies of water may pose to their caravan.

Checking the detail of the protection provided by your caravan insurance policy, against such situations, may be important – and that should also include a quick review of related terms and conditions.

Source:

http://www.bbc.co.uk/news/uk-england-york-north-yorkshire-16431466

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

A parkhome insurance quote may be necessary if you occupy your property on a permanent basis rather than as, say, a static caravan.

The following points may define elements of cover that you may wish to think about:

• to qualify as a parkhome, your residence may need to be defined as your normal place of permanent domicile and located on a site that the local authorities have designated as being suitable and authorised for parkhome occupation;

• some caravan insurance providers may also require that your site and property is fully connected to mains services and that there is some form of 24×7 site supervision and security presence;

• some companies may decline to offer you a parkhome insurance quote if your site is located in an area where there is a predisposition to flooding or exposure to serious geological risk (e.g. cliff top sites where erosion is commonplace) – if you do find cover for such locations, you may find that your policy will be subject to special terms and exclusions;

• residential home insurance is potentially different to other forms of caravan insurance cover in that your insurer may need to make allowances for the fact that your contents and fittings may be to a higher and more expensive standard – but they may also require that certain categories of item are excluded from cover (perhaps high-value items of jewellery etc);

• typical parkhome insurance may not cover you in situations where you have let out your property for the purposes of income generation and if this is something you are contemplating, it may be advisable to seek our advice and guidance before you do so – as well as checking with the site owner as to whether you can actually let out your residential caravan, as some sites do not allow this;

• if you have items external to your property, possibly including things such as awnings, satellite dishes and garden furniture, it may be advisable to read your policy carefully, as some of these may not be covered;

• remember that you cannot presume that your parkhome insurance quote will automatically cover any form of caravan located on any site, that you decide to move into as your permanent home – if that is your intention, once again you may require specialist advice regarding the insurance implications.