Touring caravan insurance – key points

Posted by Maria Allen on Dec 11, 2010 | No Comments »

If you are thinking about touring caravan insurance, whether for the first time or because you’re contemplating a renewal, here a few points that may come in useful.

  • Pay attention to security. Some policies may offer you the chance to save money via discounts if you fit additional security devices such as alarms and trackers. Some policies may insist upon the use of hitchlocks and wheel clamps in the appropriate circumstances.
  • Think about externals. Not all policies will cover items that are used externally. Examples may include portable lavatories, satellite dishes, awnings and so on. Some policies may provide cover but under conditions – such as awnings needing to be fully stowed when you’re away from the caravan.
  • Younger drivers. If you plan to have younger (or inexperienced) drivers towing the vehicle this may push up the premiums considerably. Some policies may have a legal minimum age for drivers towing your caravan. It is worth looking closely at that and complying with the policy’s requirements. Note that there may be no relationship between the policy’s conditions and what the law allows.
  • Some insurers may require that when in use, the caravan is only unhitched and sited on approved and secure sites.
  • When not in use, you may obtain a significant reduction in the cost of your touring caravan insurance if you park your caravan anywhere other than the public road. You may see a higher discount if you are able to garage it or secure it in an approved storage site over the winter months.
  • Insurers typically welcome signs of responsibility. They may interpret your membership of an owners’, motoring or club association as evidence of that and offer discounts accordingly.

Getting touring caravan insurance that is a good match for your expectations and position may be essential to worry-free caravanning. To be sure that you’ve done so may involve being prepared to spend a few minutes carefully reading the policy documentation.

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Tags: Caravan Insurance, Points, Touring Caravan, Touring Caravan Insurance

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