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Using a caravan insurance quote

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Caravan insurance policies may differ significantly in the cover that they offer and it is important for your peace of mind, that you get the policy that suits you and the way that you use your caravan. A caravan insurance quote may help you find cover that is suitable for you.

For example:

  • if you intend to take your caravan abroad, then you may be interested in caravan insurance quotes where cover for outside of the UK caravanning may come as standard;
  • some policies may be more generous in the allowances that they offer for mileage or the number of days you can spend abroad;
  • you may be interested in a policy which offers you alternative accommodation if your caravan is damaged while you are away and has to be taken to be repaired – meaning you don’t have to cut your holiday short;
  • different policies may have different rules when it comes to new for old replacement;
  • some may restrict new for old replacement to caravans up to three years old if you have been the only owner, others though may offer this level of cover for caravans up to five years old (with a three year age limit if you have not been the sole owner);
  • understanding the terms and conditions of a caravan insurance cover quote, is typically important in ensuring that you realise what your responsibilities are, as the caravan owner, to keep your caravan safe;
  • if you have a tourer, for example, you may be required to fit a hitchlock and a wheel clamp in certain circumstances;
  • if you have an awning, then some policies may cover storm damage only if you were present at the time it happened, unless it was stowed away;
  • a caravan insurance quote may also be able to help you identify situations where you may qualify for discounts on your policy premiums, for example, by belonging to a caravan club or locating your caravan on a flood free site.

Accuracy of Your Caravan Insurance Quote

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Caravan insurance quotes will depend on a number of different factors, from the type of caravan you own to where you’re going to be taking it. Getting quotes online can be a great way to find the best policy as it allows you to compare a huge selection of options to find the one that’s right for you, but it’s important to remember that the quote you’re going to get is only as accurate as the information you give.

That is, if you can’t or don’t give the necessary information, the price of your quote is subject to change. A lot of people don’t always have the information to hand when they’re arranging their quote, yet don’t realise that the price they’ve been presented with could well be different to the one they’re actually going to pay.

To prepare for such eventualities, most caravan insurance quotes come with a warning that the price could change if any details were to be different. Indeed, a lot of firms like to speak to their customers directly before any final decision is made, allowing them to underwrite the policy with all the necessary details.

Of course, the best way to avoid this problem is to be 100% accurate when you’re filling in the required forms. If you haven’t got the information to hand then take time to find it before putting your details in, as that’s the only way you can be sure that the price you’re seeing is the price you’re going to pay.

Make sure to check for something known as IPT as well. IPT, or insurance premium tax, is a type of tax added to caravan insurance quotes in a similar way to VAT. This is usually included in the price of the quote that you’re presented with, but on rare occasions it could be listed separately and totalled up later. Make sure that you know whether this tax is included or not, as you don’t want to get a surprise later down the line.

So, caravan insurance quotes can and do differ depending on the information given, and the only way to ensure that the price you’re seeing is the price you’re going to pay is to give completely accurate information at every step of the process. Companies are sure to check up on details, so don’t come unstuck later down the line and always endeavour to be completely accurate.