Tag Archives: tourer insurance

Tourer Caravan Insurance

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If there’s one thing that everyone needs to try at least once, it’s going on a tourer caravanning holiday. Once you’ve tried it you’ll be converted, and will soon be clamouring to get your hands on a vehicle of your own. But, before you do, remember the importance of getting tourer caravan insurance if you want to enjoy your holiday at its best.

As with many things in life, insurance is an essential consideration if you want to protect your investment. Tourer caravans can be incredibly expensive and could well eat up a large chunk of your savings, so if you don’t want to needlessly lose that cash it’s important to be prepared. You may think that caravan insurance isn’t that important, but you’d be wrong. Just think about what would happen if your caravan were to be stolen – caravan theft is prevalent so it makes sense to be prepared.

However, many people are put off the idea of opting for a fully comprehensive policy because of the perceived expense. Often it’s still a small price to pay for that extra peace of mind, but if you want to make some savings there are a few things you can do. Just one of them is having the proper security devices in place.

A lot of insurers specify that you need to have a wheel clamp or hitch lock before they’ll even consider insuring you, not only for your own peace of mind but for theirs as well. Your perceived risk is lower if you take all the necessary precautions and they’ll be more likely to insure you, so never overlook anything that can offer added protection.

Alarms would be another great purchase, as although not technically required for insurance policies you’ll often be able to get great discounts simply by having one installed. And, if you go for satellite tracking devices you can enjoy even more savings. They can be fairly expensive but the insurance discounts offered can be substantial, and when you consider that they act as a deterrant and also make it more likely that any stolen caravans will be recovered it certainly makes sense to invest.

As you can see, tourer caravan insurance may be an essential purchase but it doesn’t mean that you have to break the bank. As long as you invest in all the necessary security measures then you can enjoy great savings, and can head off on your holiday without having to worry.

Insurance for Caravan Tourers

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Caravan insurance should be an essential consideration for anyone who owns such a vehicle. While a lot of car insurance policies will be able to cover touring caravans as standard it’s often wise to invest in a separate policy, as this makes sure that you’re completely prepared for anything that could happen.

Unfortunately, it’s often thought that insurance for caravan tourers is incredibly expensive. This is because you need to think about it being on the road as well as on the campsite, and accidents or damage can happen at any point in the process. And, you don’t only have to think about yourself but also damage to third parties, and the costs incurred can quickly add up. But, while it’s true that getting sufficient cover can be expensive, there are things that you can do to reduce your premiums.

One of the best ways to reduce your premiums is by having all the necessary security devices in place, including alarms, wheel clamps and hitchlocks. Hitchlocks will be a particular advantage, as they prevent the opportunist thief from being able to quickly tow away your precious vehicle. Having such a device will deem you to be a lower insurance risk in the eyes of insurers, and that can be a great way to reduce your premiums and can lead to generous discounts.

However, it’s important that you read the small print to make sure you don’t come unstuck when you’re on the road. Although hitchlocks should always be installed when you get to the campsite, some policies even specify that they should be put in place when you’re simply taking a break from driving. Failing to do so could invalidate your claim if anything were to happen, so make sure that you’re fully briefed with the policy and any possible caveats.

But, there are other things that you can do to reduce your premiums too. You might want to opt for a bigger excess, or you could forego some of the added extras in an attempt to bring your premiums down. You’ll also be able to find great discounts by, for example, being a member of a caravanning club or even for buying your policy online, so make sure to see what benefits you can find in your policy.

So, insurance for caravan tourers doesn’t always have to be as expensive as you might think. As long as you take advantage of any discount that can be offered and always have the necessary security devices in place you can get the right cover without breaking the bank, so make sure to do your research to see what you can find.

How to cut down the cost of your tourer insurance

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Insurance for your touring caravan may provide you with great peace of mind and security. For instance, if you were to have an accident or your caravan was damaged, destroyed or even stolen you are typically able to claim on the policy and recoup your loss. There are many ways you may be able to reduce the cost of your tourer insurance and here are some of the more common ways.

  • Boost the security of your caravan – One of the main factors taken into account by insurance providers is how secure your caravan is. Hundreds of touring caravans are stolen each year in the UK with some models being more at risk than others are. If you install a hitchlock, it may help to prevent thieves unhitching your caravan from your car. You may also want to consider alarm systems, a tracking device, wheel lock or an immobiliser to help keep your caravan more secure.
  • Buy a UK model of caravan – If you buy an imported model of caravan then it may be harder to insure than one bought in the UK. German models for instance are often higher on the list for thieves who steal them to order. As a result, you may find it hard to get insurance or your premiums may be a great deal more than those of a caravan manufactured in the UK.
  • Make yourself a member of a caravan club – Members of motoring organisations or clubs may be offered reductions on their insurance. With this in mind you may want to consider joining a regional or national caravanning club to help keep the premiums on your insurance lower.
  • New for old or depreciation – If you take out tourer insurance which provides a brand new caravan in the event of yours being stolen or destroyed it may work out dearer than if you take cover that takes wear into account. If saving money on the premiums is imperative and you have an older model of caravan you may wish to purchase protection which takes depreciation into account.

Tourer Insurance

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When looking for tourer insurance there are many ways that you can make savings on your caravan insurance simply by doing a few things before applying for your insurance. As safety is one of the first things that all insurance brokers will take into account as of course they would have to pay out on the policy in the event of a fire, the more secure your touring caravan is then the cheaper you could get your insurance premiums.

Some of the newer more expensive models of caravan could come already fitted with security devices but if not then you could pay out a little more and install them yourself. One of the security devices that you could buy and install is a tracking device. If your touring caravan should be stolen the vehicle could be tracked which could lead to the police finding it and and returning it.

Such a device would of course go a long way towards keeping the cost of tourer insurance premiums down. You could also consider installing an immobiliser if you have a motorhome and even alarms would help to keep down the cost of your insurance. You could also buy a hitchlock and this would prevent anyone from unhitching your caravan from your vehicle whilst you were travelling around if you were to stop at a rest room. If you park your caravan on a secure site then you could also save on your insurance premiums as the caravan would be more secure overnight or when leaving it to go out and explore your surroundings.

Tourer Insurance

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When considering taking out tourer insurance whether you are looking for insurance for your caravan, motor home or campervan then it is necessary that you check the features of the policy. Different providers can add in different features along with different limitations on the cover and it is only by checking out the small print that you can find these out. Some features would be considered essential while others you might not need.

One of the features you may want to check to ensure it is included in the protection when looking for tourer insurance is European cover. However of course if you do not plan on touring outside of the UK then tourer insurance containing Europe Cover would be an unnecessary expense, especially if the premiums are higher to have this included. If you are travelling around Europe then it would be classed as desireable and you may not want to risk leaving the UK without it. European cover could pay out if you were to have an accident whilst touring, it could include recovery, repairs and staying in alternative accommodation while your tourer was mended.

Another feature you might want to check is included in your policy and what the limitations are in force is personal belongings insurance. Most but not all policies will include this to cover any belongings you take with you out on the road but there will be limits as to the amount they would payout and what they will payout for. Some providers will payout new for old on your belongings and others will take depreciation into account. If the provider offers new for old then of course as the name suggests you would get brand new replacements for your items if they should become stolen or damaged. A policy that includes new for old replacement may be slighter dearer than one that takes deprecation into account. If you have items that are particularly expensive then you would have to check to ensure that these would be covered in the policy. Items which are limited could include expensive jewellery for example.

To help to keep down the cost of your tourer insurance you can offer to pay out more for the excess than what the insurance company asks for. All insurance providers will state a minimum amount that you would have to pay towards the claim before the insurance company would payout the rest. While you might make some great savings by boosting up the amount you pay in Exvess you would have to remember that this sum of money would have to come out of your own pocket as a lump cash sum. You could also ensure that your touring caravan is as safe as possible and this may help to keep down the cost of your insurance. If you pay out for such security devices as door lock, wheel clamp, an immobiliser, tracking device or even smoke alarms then you may cut down the cost of insurance for your touring caravan.