When you Compare Caravan insurance it can be a minefield to a newcomer. The language often found on caravan insurance policies can differ between insurance companies as can the way they lay out their Caravan Insurance quotations and indemnity wordings.
Regardless of if you are a seasoned caravanning professional you will find the following advice helpful in saving you money on your static or touring caravan insurance.
Ensure you are aware of the Caravan Insurance Risks that are covered when you compare covers.
This will vary depending upon the underwriter and type of caravan you are insuring. Patently it will differ significantly between a touring caravan, static van and a motor caravan , for example.
Frequently all policies will show the covers you’re covered against . However, in the case of a claim, any insurance underwriter will reserve the right to examine the claim to see if it is covered under the policy wording .
For caravan insurance it is useful to examine the various coversoffered under the following sections:
Contents Cover
What is insured and what is not covered?
Check that the policy offers either new for old or market value replacement Inside accessories and fixtures and Exterior fittings and accessories .
Ensure you check for Conditions and exclusions
When you make a like for like caravan insurance comparison it is wise to look closely at this area inside the policy clauses.
All caravan insurance policies will incorporate conditions and clauses. Read carefully all the small printand key benefit documents.
Some standard clauses or exceptions to cover which are frequently found in many policies are e.g only parking static caravans on approved and secure sites plus ensuring that their water systems are drained down when unoccupied in the colder months .
When you Compare Caravan Insurance, it is wise to check all contract wordings carefully to ensure that they fulfill your caravan insurance requirements and this will also help you to compare risks between policies.
Compare Premiums and Compare the Prices!
If you visit many websites and compare caravan insurance, it is not long before you sense that the costs frequently differ between Caravan Insurance brokers .
In some cases, premiums may vary widely due to the layerof insurance you choose to take out.
Like Car Insurance, there are different levels of protection available. You may choose to take out a policy that comes with all the covers , or you might take out a basic policy that gives limited indemnity, except third party liability.
A fully comprehensive insurance policy is nearly always the policy that carries the highest premium.
The sum insured you choose to take out may contribute towards your caravan insurance premiums .
The type of caravan you wish to insure will affect your premium costs . If you want insurance for a French make for example, then you may expect to pay more for the insurance than if you were insuring a Domestic type of caravan.
Caravan insurance charges may be affected by the benefits and features in the policy. This may for instance include Green Cards and the amount of cover stated.
Another major factor in determining the premium costs is how much public liability insurance is offered by the policy.
Even your payment method may be taken into account . Paying for your insurance in one go as opposed to paying by direct debit may sometimes lead to savings on the cost of premiums for your caravan.
While the caravan insurance costs may be a consideration, it is equally as important to make sure that you do take out the correct cover for your caravan . Always put your individual requirements for insurance above taking out the cheapest conceivable cover . While everybody is seeking a bargain , buying cheap caravan insurance that is restricted on cover may not be a sensible long term option particularly if you need to claim .
Check for On-line Discounts
Remember that nearly all Insurers will offer various forms of premium reductions, for example for having additional security .
As you decide to compare caravan insurance you can compare these offers against policies and see just how much they may affect your caravan insurance costs .
Dont always assume that the cheapest premium is necessarily the best. Having the cheapest policy it may not be of much comfort if you have an accident only to find that you is not covered under the policy.
So, if you check the policy wording carefully though, it is relatively easy to make large premium savings! .
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