Do you need caravan insurance?

Posted by Maria Allen on Aug 14, 2010 | No Comments »

If you have a caravan then you’ll typically need caravan insurance.

Whether you are an existing caravanner or are new to the activity, your caravan will represent a substantial asset, which deserves the protection of suitable levels of insurance cover.

It may be tempting to select caravan insurance based purely on price. The trouble is though, that no two insurance quotes are going to provide the same levels of cover.

Some may be able to offer what seem to be very attractive prices only because they may have reduced the levels of protection provided.

So:

• european cover (also known as continental cover) may not be included;
• mileage may be restricted;
• there may be no new for old cover;
• the excess could be higher.

The price may be attractive but the policy may not be able to deliver against your requirements if you need caravan insurance that covers different patterns of usage.

Rather than concentrating on price alone, it also may be worth considering some of the advice available from some insurance providers on how taking some common sense measures could help keep the costs of caravan insurance down.

So, for example, discounts may be available if you can demonstrate that you are a security conscious and responsible caravan owner by taking precautions like:

• fitting approved security alarms;
• using wheel clamps and hitchlocks (this may be mandatory);
• parking your caravan off the public highway;
• using an approved off season storage site;
• belonging to an approved caravanners club.

So, if you need caravan insurance; the starting point may be to have a think about how you use your caravan and what features of caravan insurance are important to you. That way the policy you opt for not be the cheapest around but will hopefully give you the confidence that you have the protection you and your caravan deserve.

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Tags: Caravan Insurance, Insurance, Need Caravan, Need Caravan Insurance