Compare Caravan Insurance

Whether you have a touring caravan, a static model or a motor home, if you are looking for insurance, you may typically be looking for the cheapest caravan insurance you can find.

Shopping around

To get the cheapest caravan insurance may mean that you have do some shopping around. There are a number of specialist caravan insurance providers online and it may make sense to visit a number of these websites to get a few comparative quotes.

That part may be easy enough however just looking at the price and selecting the product with the lowest annual premium may not actually give you what you need.

Compare apples with apples

This is because price alone is typically not a good indicator of what you are actually getting for your money. It is unlikely that comparative quotes will give you identical levels of cover. Features will be included in one quote and excluded from others. The lowest price may just give you the lowest level of cover and there’s nothing wrong with that – if that is what you want!

Know what you want

One way to go about getting the cheapest caravan insurance you can is to make a list of all the features that are important to you.

This list will vary depending on the type of caravan you have but could typically include things like:

• new for old cover;
• continental driving;
• contents cover;
• personal liability insurance;
• awnings;
• breakdown and vehicle replacement cover;
• etc.

Once you have this list you may then check each of your quotes for each of the features you feel that you need.

Pick up some discounts

The specialist websites may typically be a good source of information and advice on how to save money on premiums. For example, fitting secure locks on door and windows and installing a burglar alarm not only helps to protect the contents of your caravan from theft but can also earn you a discount on your premium.

The same may be true if you agree to over-winter your caravan in a secure CaSSOA site.

Check for special conditions

Your quotes may contain special terms and conditions relating to aspects of insurance cover often concerning the security of your caravan.

You may find, for example, that you may be required to:

• stow away your awning when you are absent from your caravan;
• fit a hitchlock to secure your touring caravan to your car;
• fit a wheel clamp and a hitchlock if your caravan is unattached;
• drain down water and heating systems if the caravan is to be empty for extended periods of time.

Getting the cheapest caravan insurance online may not just mean picking the lowest price option. You may need to do a little research to ensure that you have caravan insurance that is right for you.

Having caravan insurance is not typically a legal requirement but it does provide you with enormous peace of mind and security. Imagine for a second that you have splashed out thousands of pounds of your life savings on a new caravan and a year later, you lost it in a fire. With insurance that had new for old cover you may be able to claim and get a brand new replacement caravan. Without it, you of course lose everything. This is of course the worst-case scenario and there are usually many more benefits to taking out insurance. Insurance also does not have to cost a fortune, and there are ways you may be able to keep down the cost of the premiums and get the cheapest caravan insurance possible for your needs.

When looking for cheap insurance for your caravan you may be able to get savings on your premiums if you are a member of a recognised caravan club. Caravan club members are usually more mature and so are seen to be careful owners, which all helps to keep down the cost of the insurance.

Choosing a static site that offers security may help you to keep down the cost of your insurance premiums each month. Look for sites that have on site security patrols, that have walls or fencing around them with locked gate at night and which are well lit. A site such as this may be more favourable than one that is wide open and poorly lit.

If you have new for old in your insurance policy then of course you need to choose how much to insure your caravan for. The more your caravan is worth the higher the cost of the cover. However, it is essential not to under insure in order to get the cheapest caravan insurance possible, in case the worst happens and you lose everything. When assessing the worth of your caravan you may also want to consider any additional costs such as security, awnings and decking and fencing around your caravan.