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Archive for February, 2010
Finding suitable insurance for your caravan is something that new caravan owners may at first find a bit confusing. That’s why it may be a good idea to use the facilities offered by the Internet sites of caravan insurance companies online.
Through such facilities you may be able to find the deal that is most closely suited to your requirements. Caravan insurance companies online can typically provide details of cover for tourers, motor caravans, static caravans, trailer tents and so on, without the need for you to spend the afternoon phoning round multiple sources. It is one-stop shopping.
You may be able to make your selection process a little easier by spending a minute or two thinking through what you need, both to give you confidence that you have the protection required and also to provide you with the opportunity to save money.
A useful approach may be to make a mental list of the things you think may be important.
Some of the more obvious considerations may be:
- what fittings and fixtures do you wish to be included in the cover?
- do you need cover for personal effects such as jewellery and sports equipment?
- do you want ‘new for old’ or can you make do with market value replacement?
In terms of cost savings, similar considerations lay apply. So for example, if you plan to use your caravan for UK based breaks only then you may be able to benefit from cheaper insurance, as you do not intend to take your caravan abroad.
Similarly, if you take safety precautions against theft by having an alarm fitted, you may find that this step also may result in lower premium costs, as may the fitting of an immobilising wheel-clamp for your caravan.
Caravan insurance companies online may be able to offer you the benefits of their systems and experience together with a wide range of options.
If you’re looking for cheap insurance for caravans, there are a few useful things that may be worth thinking about.
• Reducing the risk assessment
The premium you pay may be based in part upon how vulnerable to theft the caravan is seen to be by the insurance companies. If you reduce the risk of theft, you may also reduce the premium you pay.
Good ideas here may be the fitting of immobilisers, wheels locks and tracking devices. There are lists of approved devices and you may also be able to see some indication of the premiums you’ll save by fitting them.
• Demonstrating your responsibility
The insurance companies may offer reduced premiums for those owners that indicate a responsible attitude towards safety and security issues. You may be able to show this through membership of a recognised caravan owners’ association or similar and this may be reflected in lower insurance costs.
Once again, there are published lists of such associations and indications pf potential cost savings may accompany these.
• Managed claims
Insurance companies typically like to share their risks to one extent or another. If you can demonstrate that you’ve not claimed for 3 years or more, you may find some companies are willing to acknowledge this by reducing their premiums for the period ahead.
• Controlling drivers
It is a sad fact of life that younger and more inexperienced drivers are typically more prone to accidents. In general terms, the more people that drive a mobile caravan then the more likely the probability of an accident and the less likely may be the chance of finding cheap insurance for caravans.
Restricting the number of drivers and their age to certain minimums may also help you reduce your premium costs.
Using an online quotation form will allow you to see what’s best for you and how you can keep your costs down. It may also save you the legwork of phoning around.
Cheap insurance for caravans is out there- good luck in finding it!
Online insurance for caravan tourers may save you not only time but also money.
That may sound interesting, so how does it work?
Online caravan insurance
On the Internet you can now purchase a wide range of various forms of caravan insurance.
It is possible to find the most suitable deal for your particular set of requirements with just a few simple clicks of the mouse. In effect this means you may be able to select your insurance without leaving the comfort of your own home.
The old days of trudging around the streets or making multiple phone calls are now long gone. The online availability of policies means that you can see immediately what is available and what options you may have for being able to reduce the amount you have to pay.
Cost-reducing factors with caravan insurance
Some online quotation systems may offer reduced premiums for people that qualify.
The qualification factors that typically help reduce the costs of online insurance for caravan tourers are typically one or more of the following list:
- the installation of one of an approved list of security devices to enable security tracking;
- the fitting of a Thiefbeater security device;
- the use of one of an approved range of wheel-locking and immobilising devices;
- membership of a recognised caravan owning or related motoring organisation;
- a history of three years previous caravan insurance without claims.
The online insurance details typically will contain more and precise details of approved devices and associations etc.
The next steps
If you are looking for online insurance for caravan tourers, don’t be inhibited! The new systems are simple to use. They may provide an online form that you can just complete with the details of your touring caravan and then you’ll receive your quotation price and possibly other option details. It’s potentially as easy as that!
If you are a caravan owner, you may be aware that there are different home caravan insurance policies available from online caravan insurance specialists. Yet you may find that the variety of products available is confusing and if you are new to caravanning, you may wonder just what exactly you need.
In one sense, caravans can be seen as falling into roughly two different categories:
- caravans, which can be hitched to a car and towed around. Also commonly known as touring caravans these are typically used for holiday purposes;
- caravans, which are normally permanently parked in one place and used a holiday home or permanent residence. These are also known as static caravans.
You may find that the home caravan insurance policies needed for a home caravan are different to those needed for a touring caravan.
Static caravans permanently sited in custom designed parks may be permanently tethered to utility systems like electricity and water.
They may be less susceptible to theft than a touring caravan. In addition static caravans used as permanent homes may typically contain more fittings and fixtures, home comforts and personal belongings than may be the case with holiday homes. In general, they are not frequently ‘out and about’ on roads and motorways.
So while some forms of risk are lower (e.g. collision damage) others such as burglary may be higher
Home caravan insurance policies for static caravans may even include things like freezer contents. In common with many home insurance policies, you may find that premiums are lower if there is a security system fitted.
With touring caravans, if you know that you are not going to travel abroad, you may be able to opt for a UK only policy and these may be cheaper than insuring for European travel as well. Having a wheel clamp or other immobiliser may help to deter thieves and may also result in lower premiums. Indeed some insurance policies may not cover caravan theft unless you have such a device.
Having the right sort of cover is important for giving you peace of mind. It’s not easy to enjoy that holiday if you are constantly worried about whether or not you would be covered in the event of a problem. Specialised caravan insurance may be available to suit your requirements and at a price you may find pleasantly surprising.
Finding out more about the range of home caravan insurance policies may be a good idea.
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The Hobby make of caravan remains very popular for a wide variety of reasons. Unfortunately though, you may find that hobby caravan insurance is typically a little harder to find and potentially a little more expensive than for some other makes.
Why may the insurance costs be higher?
Hobby caravans typically are:
- imported. As such, if they are damaged by accident or vandalism, any repairs or replacements may need to be similarly imported from overseas. This may involve considerably higher cost for the insurance companies than if the vehicle had been of UK manufacture.
- in possession of an enviable reputation for using very high-quality fixtures, fittings and associated equipment. Although this may be attractive for the purchaser, the reality for insurance companies is that once again, the average damage repair or replacement costs may well be more expensive than on some other models.
- uniquely styled and built and typically regarded by some as prestigious or status models. As a result, they may be far more attractive to not only you but sadly also thieves, who may specifically target them leading to some insurance companies concluding that the insurance risks are consequentially higher.
Some insurers may, in fact, decline to cover some Hobby caravans.
What options may be available for reducing the insurance costs?
It may be possible to find not only good Hobby caravan insurance but also at a price that doesn’t break the bank.
There are policies available that offer reductions to owners that are willing to:
- accept a voluntary excess
- fit an immobiliser device
- fit one from an approved list of security and tracking devices
- show their maturity by joining a recognised owners’ or touring club.
Finding out more about the specific details of these ‘cost reduction’ options maybe a good idea if you are the owner of a Hobby.
Touring caravan & motor home insurance
Insurance can be provided to cover things such as theft, collision damage, new-for-old replacement of items and so on. Your Hobby caravan is a special possession and ensuring that it is fully protected by the most suitable Hobby caravan insurance cover is important – though at the most appropriate price of course!