Compare caravan insurance

Basically, there are two types of caravan and while each will be subject to theft, they both require different insurance to cover more specific risks:

Touring Caravan Insurance

Towed behind a vehicle, this gives its owners the advantage of travelling almost wherever they choose, stopping at caravan and camping sites across the UK and Europe. Risks for this type of caravan include collisions with other vehicles while in transit; accidents due to side or cross winds; and incorrect weight loading.

Static Caravan Insurance

This is most often based on a semi-permanent pitch within a caravan site and will usually have services provided such as electricity, running water and sewers. Risks with static caravans tend to come from more natural elements such as flooding of the surrounding site and falling trees.

Motorhome Insurance

This is a vehicle which sleeps between 2 and 8 people, equipped with living space and facilities found in a home; however this differs depending on the motorhome make and model, but generally includes a kitchenette area, washroom and toilet. Risks with motorhomes include theft, collisions with other vehicles, accidents due to side winds, as well as flooding and falling trees on the campsite.

Looking to compare caravan insurance?

Whether your caravan is in regular or infrequent use, caravanquoter.co.uk has the main objective of providing you with a wide choice of caravan insurance comparisons, both for the caravan itself and its contents.

Simply click on the appropriate links to find out more about a whole host of current online caravan insurance advertisers throughout the UK. Once you have obtained a caravan insurance quote, you can then compare it to as many of our other featured caravan insurance companies as you wish. By doing this you will discover that certain insurers are prepared to offer different discounts for such things as membership of owners' clubs, no-claims bonuses and the installation of security devices.

As with all types of insurance it always pays to shop around to get the best cover for the best price and we hope our website will make the process a lot easier for you.

We wish you many years of safe and worry-free caravanning!

Choosing the Correct Insurance for Touring Caravans

A touring caravan makes an incredibly versatile holiday home and is a constant source of pride and joy to its owners. It may be that you have saved up for many years to buy the touring caravan of your dreams, either for the whole family to enjoy or as a pleasurable hobby during retirement. Whether you intend to take off and tour around the UK or Europe for several months each year in a top-end model or simply enjoy the odd short break here now and again in a more modest example, it is vital to have the correct touring caravan insurance cover for your needs. Before you even begin your search for touring caravan insurance you must decide exactly how you plan to use your caravan. If you only intend to use it for touring within the UK then you will not need to have the additional expense of insurance cover for Europe.

Alternatively, if you are planning on touring Europe then you will have to ensure that European cover is included. This means that if you incur an accident or breakdown while touring in Europe you will receive assistance. This may include being towed to your destination, repairs to your caravan and if necessary having accommodation provided in a hotel while the necessary repairs are carried out. Policies that include European cover will usually limit the number of days you will be covered whilst travelling on the continent. This is an important point to check when taking out touring caravan insurance as some insurers could offer you longer cover than others.

It is worth taking the time to find out exactly what cover is included in your touring caravan insurance policy and, as always, read the small print carefully. As an example, some insurance providers will offer 'new for old' while others might allow you to choose 'agreed values'. If you opt for new for old cover then any items that are damaged or stolen will be replaced with brand new. If you decide on agreed values then your caravan will be valued and, in the event of a total loss, you can expect to receive the exact sum of money for which it was insured.

There are always exclusions within any insurance cover and protection for your touring caravan is no exception. For instance, the insurance policy might not pay out if your touring caravan is not fitted with a proper wheel clamp when parked. Basically, the safer and more secure you can make your caravan, the cheaper the insurance cover should be. Therefore, taking added security measures such as fitting a wheel clamp, alarm and tracking device can save you a significant amount of money.

Another important factor that can affect insurance premiums is the nature and location of the caravan's storage when it is not in use. Again, the more secure and indeed well lit the better. Premiums will be much higher if the caravan is stored miles from anywhere in a dark, wide open, unoccupied area. As for contents insurance, expensive items such as camcorders, laptops and jewellery might not be covered, so check specific items with your provider to be sure.

The good news is that there are many ways in which you can make savings on your touring caravan insurance. All insurance providers will state a minimum amount of excess but you can offer to pay more excess on the cover. (Excess is the amount you would have to pay towards the cost of any claim you may make.) Do remember that, while you can make savings on the insurance premium, by agreeing to pay more excess this amount will have to be paid by you in the form of a lump sum if you have to make a claim. Naturally, should you be unfortunate enough to have to claim on the insurance more than once in the same year, you could be left significantly out of pocket.

Don't be tempted to take the first quote you see, shop around and be sure to compare all policies in detail.

Choosing the Correct Insurance for Static Caravans

When taking out static caravan insurance, as with any other form of insurance, it is important to know precisely what you require and to compare a number of different quotes. This will ensure you get the best cover at the best possible price. For example, if you are considering renting out your static caravan, check to see if rental loss will be covered should the caravan be damaged. You could stand to lose a great deal of rental income unless you can make a claim for it on your insurance policy.

It is also vital to find out exactly what contents are covered within your caravan park home insurance quote. It may be that certain items such as jewellery, laptops, cameras and camcorders are excluded. If there is 'new for old' protection provided, then any items that are damaged or stolen will be replaced as new. However, there may be limits and exclusions, so check all these facts thoroughly before taking out any policy as they can vary considerably between companies.

Some static caravan insurance policies may allow you to insure for 'agreed values'. If you have carried out major improvements to your static caravan then this could be beneficial as it may now be worth far more than a standard model. If you have opted for agreed values then your caravan will be valued and this will determine the approximate sum of money that you would receive in the event of a claim.

Another important point to check out is whether or not your static caravan insurance offers cover for storm damage such as lightning, falling trees or branches. Flooding of the site where your caravan is situated is another insurance considerations as is cover for winter frost damage to plumbing installations.

Fortunately, there are many ways that you can save money on your static caravan insurance. The safer your caravan is seen to be then the more savings you could make on the insurance premium. Fitting smoke alarms will help reduce the sum as will installing a burglar alarm as a deterrent to thieves. Another significant saving can be made by offering to pay a higher excess than the minimum amount your insurance company requests. (Excess is the amount of money you agree to pay towards the cost of any claim before the insurance provides the balance.) However, always remember that while this will reduce the cost of the premium, you must bear the cost of this lump sum yourself should you make a claim on the insurance.

The cheapest insurance is not necessarily going to give you the best cover, so be sure to read the small print when making comparisons.

Choosing the Correct Insurance for Motorhomes or Motorcaravans

When comparing motorhome insurance quotes there are lots of points to take into consideration. Cover can vary significantly between different policies and it is important to ensure that you have the correct insurance for your needs. Therefore it is important to shop around and compare. First establish exactly how you intend to use your motor home. Do you only wish to tour within the UK or are you going to venture into Europe? If the latter is the case then you will need to ensure you have European cover. However, even if it is included in your policy check how many consecutive days' protection is given for European touring per year. The length of time will differ between motorhome insurance providers so read the policy details carefully. Generally, European cover means that you are insured for accidents on the road and for break downs and repairs whilst touring Europe. Most policies will, when necessary, cover the costs of transporting you to your chosen destination and reimburse you for part or even all of the cost of hotel accommodation should the repairs prove lengthy.

Another important feature to check is whether or not the policy pays out 'new for old'. If it does this will mean that you will be entitled to replacement items at current prices in the event of a loss. Some policies will also replace your motorhome with a brand new one if it is stolen and not recovered or damaged beyond repair. Be aware that there are often limitations on new for old cover so it is essential that you consult your insurer rather than leave anything to chance.

By its very nature, touring in a motorhome entails taking a great deal of belongings with you wherever you go. Therefore it is essential that you check that all the contents of your motorhome insurance policy are properly covered. The cost of internal items such as clothing, bedding and electrical appliances as well as external equipment such as awnings, gas bottles and bicycles all add up and can prove expensive to replace if stolen or damaged. The majority of motorhome insurance policies will include contents insurance for these items but they will usually have a limit as to how much they are prepared to pay out per claim.

Personal accident insurance is another element of a motorhome policy to check out as this could include legal and medical expenses if you were involved in an accident. This feature is similar to that which is included in car insurance policies. Again, there would usually be an upper limit set on the amount the insurance policy would pay out in the event of a claim, so this also needs clarifying.

Fortunately, there are several ways in which you can help reduce the cost of motorhome insurance. For instance, the less vulnerable your motorhome is to thieves, the cheaper the premium should be. Installing devices such as a burglar alarm, steering wheel lock, wheel clamps and a tracking device will all keep the cost of the insurance down. You could also opt to pay a higher than standard policy excess. (This is the amount you agree to pay in the event of a claim while the insurer settles the rest.) Nearly all insurance providers will state a minimum amount of excess but you can volunteer to pay more in exchange for a reduced premium. Remember that you will have to be prepared to pay this sum each time you make a claim above this agreed amount though.

Never rush into taking out a motorhome insurance policy. Know exactly what you require and take the time to make full comparisons between quotes to ensure you get the best cover for the fairest price.