Getting some quotes to compare caravan insurance deals
Richard Burgess
If you are interested in getting the most from your caravan insurance, then taking some time to compare caravan insurance quotes may be a sensible starting off point.
Looking at price alone though, is unlikely to tell you much apart from the cost.
Different caravan insurance providers may put different emphasis on different elements of risk. So although, as a general rule, you may typically expect that the more you pay for your caravan cover insurance the more cover you get, it may not be cover that you actually feel is appropriate for you, your caravan and how you use it.
Taking the opportunity to compare caravan insurance quotes can help you identify the policy that most closely matches your expectations.
New for old replacement
If your caravan is damaged then your policy may provide for new for old replacement.
Not all policies use the same qualifying criteria though. Typically you may find that the age of your caravan is important and some policies may stipulate that your caravan must be under 3 or perhaps 5 years old to be eligible.
Others though may add additional conditions relating to the number of owners and require that you have owned the caravan from new. If you have bought your caravan recently from a reputable dealer and it fits the age range but has had another owner, then this additional requirement may not be acceptable to you.
Destinations and distances
If you have a tourer or a motorhome and enjoy continental trips, then caravan insurance that provides continental cover, as standard, may be particularly interesting to you. When you compare caravan insurance, you may also wish to take note of any specific limits on annual mileage allowances, to ensure that your enjoyment of European vistas is not curtailed.
Not all policies may offer the same support in cases of breakdown and recovery. Some though, may offer alternative accommodation funding so that you can continue your holiday if your caravan needs to be taken away for repair.
Terms and conditions
Reading through the terms, conditions and exclusions of each policy, may be just as important as looking to see what cover is provided. For example:
• if you have a tourer and it is left unattended then you may need to fit a wheel clamp if it is still attached to the towing vehicle – if it is unattached then a hitchlock may also be required;• awnings contents may not be covered and there may be specific conditions relating to storm damage.
These are just a few of the conditions that you may come across as you compare caravan insurance. They may typically relate to common sense steps that you may need to take to help keep your caravan safer and so reduce the likelihood of claims arising.
Richard Burgess is Director of cover4caravans (http://www.cover4caravans.co.uk) a dedicated UK caravan insurance broker. Their easy to use site and friendly staff will get you multiple quotes from specialist insurers for caravan insurance at a competitive price.
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