Touring Caravan Insurance

Compare touring caravan insurance from the following companies who have chosen to advertise with us. The table below contains financial promotions approved by the companies concerned.

Insurer	Discounts Available	Max. No Claims Discount	Min. Policy Excess	European Cover	Phone	Outstanding Policy Features
Safeguard Info>	30% security, CaSSOA, Age and Voluntary Excess Discount	25%	£100	Up to 180 days	0808 156 7452	Up to five years new for old replacement. 25 years experience insuring caravans. Policy terms and conditions apply. Calls may be recorded.
Towergate Bakers Info>	CaSSOA 25%, Age & Safety up to 45%	Max 15%	£100	Up to 365 days	0800 496 1516	New for Old for life, 12 months for price of 11, range of policies to suit.
Cover4Caravans Info>	Club membership, Trackers, CaSSOA sites, Age, Area	Variable	£100	Up to 240 days	0800 970 7172	£65.00 minimum premium / 5 & 3 Year New For Old Cover / No age limits.
CaravanGuard Info>	10% Online, 10% Over 30, 40% Security	20%	£100	Unlimited 90 days per trip	08452 743 606	Extensive "all risks" cover for touring and storage. Quote and Buy Online.
OneQuote Direct Info>	Datatag discount, up to 10% Security, Renewal Loyalty 5%	45%	£150	Up to 180 days	08000 891317	Up to 20 years New for Old Cover. Protected No Claims Bonus.
E&L Info>	15% online, up to 5% storage, 10% tracker, 5% age, 5% Caravan Club	Varies	£119	Up to 260 days	08449 809763	Cover up to a value of £20,000. Up to 3 additional family members added at no extra cost onto your policy. Max 20% combined discount.
Park Home Info>	Alarm 5%, Club 15%	25%	£50	Up to 180 days	0800 614 849	"New for Old" for tourers up to 10 years old. Personal accident up to £20,000.
Direct Choice Info>	Up to 15% Storage & up to 15% Security	Check with Insurer	£100	Up to 240 days	08448 361004	European Union, Norway and Switzerland at no extra cost. Alternative accomodation for up to 14 days.

Buying Insurance for Touring Caravans

Your touring caravan will be your pride and joy. You could have waited many years to finally pluck up the courage to buy a top of the range home away from home and take time to tour around the UK or Europe for a few months each year. Even if you have bought a more modest tourer just to take a couple of weeks break in you will have to make sure you get the right touring caravan insurance cover for your needs.

One of the first points for choosing touring caravan insurance is to decide how you are going to use your caravan. If you plan on using your touring caravan to tour around the UK only then you will not need insurance for Europe which means the cover could be cheaper. However if you are planning on touring Europe then of course you will have to ensure that European cover is included, should suffer an accident while on the road in Europe or were to break down you would receive assistance. This could include being towed to your destination, repairs to your caravan and if necessary being put up in a hotel while repairs take place. Policies that include European cover will usually have a limit on them as to the number of days you would be covered whilst travelling on the continent. This would need to be checked at the time of taking out the insurance as some insurers could offer more than others.

When considering your touring caravan insurance check to see what cover is included. Some providers could offer new for old and others might allow you to choose agreed values. If you were to choose agreed values then you would have your caravan valued and in the worst case scenario of a total loss one would expect get back the exact sum of money it was insured for. If you take cover that comes with new for old then any items that were damaged or stolen could be replaced brand new. Of course you should always to check the small print of any tourer insurance that you are considering taking out.

There are always exclusions within any insurance cover and protection for your touring caravan is no exception. For instance the insurance policy might not payout if your touring caravan does not have a wheel clamp when parked. The safer your caravan is the cheaper the insurance should be. So fitting such things as a wheel clamp, alarm and a tracking device can save you a great deal of money. Also the nature and location of storage when not in use is an important factor that can affect premiums. Expensive items such as camcorders and jewellery might not be protected in the contents insurance, ask your provider to be sure.

There are many ways that you can make savings on your touring caravan insurance and one of them is to offer to pay out more in excess for the cover. All insurance providers will state a minimum amount of excess. This is the amount you would have to pay towards the cost of any claim you put in. While you can make savings on the insurance paying more excess you would have to remember that this amount would have to come out of your own pocket as a lump sum if you should be unlucky enough to have to make a claim. Therefore if you were to have to claim on the insurance more than once in the year you could be significantly out of pocket.

Shop around is always a good motto!