Searching for the right caravan is one thing, performing a caravan insurance search is something else.
The caravan type
Caravan insurance is typically divided by the classic generic caravan categories:
- statics (caravans occupied for holiday purposes and typically semi-permanently located on a single site);
- tourers;
- trailer-tents;
- motorhomes;
- park homes (typically a permanently located dwelling on a licensed park home location, which you occupy permanently as your principle home);
- caravan-campers (some insurers may treat these as a separate category, others may regard them as effectively motorhomes).
Your caravan insurance search will typically be through the category that applies to your particular caravan.
The variables
The cost of your caravan insurance protection will obviously vary upon a number of things but a few that may not be obvious might include:
- how often you plan to take your mobile caravan overseas and for how long;
- the types and varieties of security devices you have fitted;
- where you park a mobile caravan when you’re not using it (if that’s just on a public road then your premiums will typically be higher);
- whether or not your static is parked on a registered and secure site;
- the ages and experience of any drivers of a mobile caravan (typically some insurers may enforce restrictions in those areas).
The requirements
Typically all insurance policies carry conditions. In the case of caravan insurance you may find that:
- awnings may only be covered if they are stowed when you’re away from the caravan;
- if you make any significant enhancements to the caravan, these should be declared to the insurers;
- some forms of very-high value contents items may not be covered;
- during the winter, water systems must be drained down.
There are potentially more and looking closely at these may be a good idea as part of your caravan insurance search.