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There has been a recent increase in the number of people looking for their UK caravan insurance online.
More and more people are using the Internet to do the legwork for them when it comes to buying things like insurance. As a result, modern technology and online quotations may make finding the right insurance cover a relatively simple task.
These systems have access to the policy details of many of the bigger caravan insurance providers so with a few clicks of the mouse you can access details and get quotes from a variety of sources offering UK caravan insurance online.
You may also be able to find a number of useful tips on how you may be able to reduce your insurance costs.
- in common with car insurance, you may find that there could be a no claims bonus attached to your caravan policy
- you may also find that if you agree to a larger excess amount then you may benefit from lower premiums.
- fitting a wheel clamp to your caravan or installing a security alarm may reduce the risk of it being stolen or broken into. Insurers of all kinds regard lower risk as a good thing for them and may reward precautionary measures like this with lower priced insurance.
Some people are increasingly turning to UK based caravanning holidays in response to economic conditions and you may find that some insurance companies may offer cheaper premiums if you intend to restrict your travelling to the UK. There is no point in paying for cover that you do not need!
If you do decide to venture further afield at some point in the future though, you may be able to quickly and easily upgrade your UK caravan insurance online to provide yourself with European cover for that trip across the channel.
When we’re buying something, few of us will be entirely content with having only one price to choose from. The good news is that caravan insurance comparisons are becoming easier.
How can you compare caravan insurance prices?
• Using an online quotation system that has access to multiple sources of insurance. This means that once you have entered your details into their system, it can then search the insurance companies for the deal that is most suitable for you.
Can you do anything to reduce the premiums payable?
• If you agree to accept a higher voluntary excess amount (the amount you would agree to pay towards the cost of a claim) then you may be able to reduce your premiums.
• Some reductions in price may be achievable if you have selected and installed an approved wheel locking or other immobilising device. It may be advisable to check to ensure that the one you’re considering is in fact on an approved list of such devices.
• If you can show that you have gone through three years without making a claim, this may also help you to find lower prices.
• Some insurance companies also recognize that being a member of an established owners’ club is a sign of maturity and responsibility. They may offer a significant reduction in premium costs as a result.
What information do you need for caravan insurance comparisons?
• Typically, you will need to provide the quotations system with details of the vehicle and some elements of your personal details including some of the above factors. In many cases this may involve the completion of a simple online form taking only a minute or two.
What are the next steps?
If you’d like to know more about caravan insurance comparisons, spending a few minutes investigating the online quotations system may be a useful first step.
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.
If you’ve ever bought any kind of insurance policy before then you may already know that it’s worth comparing quotes before you buy. No two insurance policies may cost exactly the same, even if they offer exactly the same cover options. Spending some time looking at quotes and making caravan insurance comparisons may, therefore, be a good way of saving money.
Nowadays many of us go online to compare costs on virtually anything we buy. A shopping comparison site might help you find the lowest cost deals when you want to buy a new TV and an insurance comparison site may do the same job when you want to take out insurance for your caravan.
These sites may well prove to be great time-savers. The fact that they bring together quotes and policy details from a lot of different insurance companies means that you don’t have to do the research leg-work yourself. This may save a lot of time. If you find an online caravan insurance comparisons site then you may potentially be able to see a lot of different policies from a number of insurers in one place.
This may also be an easy way of saving money on premium costs. If you look at multiple policies in one place then you may find it easier to compare the costs and quotes of the policies that suit your needs. This may just take a couple of minutes of your time but it might save you money as well.
The companies that run these sites are often industry specialists. Unlike a lot of consumers, they know exactly where to go for caravan insurance quotes and may be able to put together a snapshot of what is on offer in the market on one easy to read screen.
This may be hard to do yourself unless you also know all these insurers. It may well also be time consuming to go out and find the quotes in the first place. So, many caravan owners may simply go to specialist broker sites to make things easier, saving time and money on their caravan insurance comparisons by doing so.
Whilst many caravan and motor caravan owners spend time thinking about their options when it comes to their general insurance, some spend less time on considering their options with breakdown insurance. This may well just be based on the fact that they already have some form of policy in place for their towing car and forget about their caravan. But, getting cover for both of the vehicles may be worth thinking about.
Covering your towing car is important. This may even be the most important element of breakdown cover. But, caravan owners may also want to consider how they might cope if something mechanical went wrong with their caravan. If it wasn’t roadworthy because of mechanical failure or was not fit to be towed then their car breakdown insurance may not be able to help them.
Being stuck somewhere on the road with a caravan that needs work may be a hassle and, without some form of breakdown cover, it may also prove to be expensive. If you have car problems when you are towing a caravan then you may also experience problems even if you have breakdown assistance on the car itself.
You may, for example, need to check if your breakdown provider is willing to help with your caravan in this instance and some may not. It may be good that they agree to tow your car away to have it fixed but this may not be a great help to you if it leaves your caravan stranded on a lay-by and you have to arrange to deal with it.
Buying breakdown insurance for a car and a caravan works in much the same way as standard breakdown solutions except both vehicles get cover. It is, for example, common for insurance companies that offer these policies to offer a range of graded benefits from the basic to the fully comprehensive. It may be worth looking at these options in detail to work out which may be the most suitable for you and your vehicles.
If you own a touring caravan or a motor caravan and look at the various insurance options on offer to you, you may have noticed that many talk about European cover. This may be especially the case with motor caravans which are often commonly used by their owners to take trips abroad. But, European benefits may be different to the UK cover you’re offered as part of your motor caravan insurance policy. Why is this?
If you compare any policies that offer European cover then you may notice that they don’t always offer exactly the same kinds of coverage. It’s common for this kind of feature to be built into policy options on a number of days basis, for example. So, one policy may give you so many days coverage on an annual basis whilst another may offer you fewer or even more days.
This may often be based on the typical travelling habits of caravanners. Some may take their annual summer holiday in Europe but may then only use their motor caravans in the UK. So, whilst European cover may be important to them, it may not be essential to have this cover in place all of the time. It may work out cheaper to have just enough cover for the days they may be travelling abroad.
If you are thinking about travelling in Europe then you may need to seriously think about getting localised cover. Bear in mind that your standard policy features may well be mostly based on your caravanning use in the UK and, without European motor caravan insurance, you may not actually have any cover at all.
It may also be important to think about how many days you may need European cover for. There is little point arranging short cover and then finding out halfway through a holiday that you have no rights to make a claim because you have exceeded your allowance. This might be an expensive mistake to make.
As the days offered in standard policies may vary, you may want to compare motor caravan insurance policies to see which come with the limits that suit you best. These benefits may come as part of your regular policy or you may need to buy them as additional features. In some cases, insurers may allow you to extend your cover to add on more days or even annual allowances if that may suit you better.
Nobody likes paying more for insurance than they have to. This kind of protection may be nice to have if something goes wrong and you need to make a claim but, most of the time, you may never see a return on your premiums. It may make sense, therefore, to try and get the ideal balance of having enough cover for your needs at the lowest possible cost. One way to cut premium quotes in this sector is to use caravan club discounts.
It’s quite common for caravan owners to join caravan clubs. Some may opt to join a general club such as The Caravan Club or The Camping and Caravanning Club whilst others may join a club for owners of specific types of vans. Some may even join both types. In any of these cases you may find that your membership brings with it some benefits. This may well include discounted insurance costs.
Insurers may offer caravan club discounts for a few different reasons. Firstly, like many car club deals, insurers may ‘trust’ club members more. Membership of a caravan club may imply that you take your caravanning seriously and you may therefore be seen as less of an insurance risk.
Some deals are offered by general insurance policies to club members when they apply for policies direct. Others may need to be taken out via your caravan club as they may have negotiated a special member’s only discount. In either case, this kind of discount may well be worth looking for, even if you have to join a club to get it, as it may save on your policy costs.
Bear in mind that caravan club discounts may also be picked up for other things as well as general club membership. Some insurance companies and club schemes may also offer an additional percentage discount if you have taken any caravanning courses or if you have set up specific security systems on your van so this may also be worth looking out for as it may lower your costs even more.