The importance of touring caravan insurance | Blog4Caravans

by jasonh

The benefits to taking out touring caravan insurance with a specialist provider can often be great, as you know you are getting cover that is tailored to meet your specific caravan insurance cover needs. And while no one likes to consider the possibility of anything going wrong that may result in a claim, with a policy behind you, you are at least protected against the unknown, which can give peace of mind.

Factors to consider when looking for insurance So, what sorts of things do you need to think about when choosing your caravan insurance? The following pointers are a good start:

how much does the policy payout in liability insurance towards any legal costs; how many days cover are included in the touring caravan insurance policy for travelling around Europe; does the policy protect your belongings as new for old and provide brand new replacements in the event of them being stolen or destroyed; is your caravan protected under the policy as new for old and what is the criteria; does the provider offer a reduction in premiums for added security measures; does the insurance provider offer money towards alternative accommodation in the event your caravan has to be taken for repairs or you cannot stay in it whilst on holiday.

These are just some of the many factors that you may wish to take into account when you are choosing protection for your touring caravan. You may also wish to check if the provider offers any extras in the policy for the same cost.

Making savings on the premiums If you only use your caravan for a few months out of the year, you may want to take out a limited mileage insurance policy. This typically means you insure your caravan for up to a certain amount of miles on the road each year and this often allows you to get cheaper quotes.

Some providers take into account the fact that you are a member of a caravan club and they may offer reductions in premiums.

The more secure your caravan is the cheaper the insurance premiums may work out to be. Theft is a big risk when you take your caravan on the roads. However, some providers offer you savings on your touring caravan insurance if you implement extra security measures on your caravan, such as if you install a security alarm. And while we are talking about security, you should also note that many insurers make it mandatory to have a wheel clamp and hitchlock on your caravan, so do make sure you fulfil their requirements, otherwise you could render the caravan insurance policy invalid.

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