Compare touring caravan insurance from our panel of leading specialist insurers and brokers. Caravan Quoter is dedicated to providing the best insurance for touring caravans from a wide range of insurers in a few easy steps.
- Compare touring caravan insurance with our panel of specialist providers and benefit from their professional knowledge and collective experience totalling more than 100 years.
- One of the largest selections of insurance for touring caravans available in one place – Complete one simple form to obtain a quotation and buy online from one of our leading caravan insurance providers!
- A comparative selection of quotes from major UK brands that you know and trust, all competing to deliver you market leading prices – quote and buy online today!
More About Touring Caravan Insurance
A touring caravan makes an incredibly versatile holiday home and is a constant source of pride and joy to its owners, therefore insuring your touring caravan is essential. 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.
First things first
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, which 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 a touring caravan insurance policy as some insurers could offer you longer cover than others.
Always read the small print – What’s covered?
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.
Required security measures
There are always exclusions within any insurance cover and protection for your touring caravan is no exception. For instance, the touring caravan insurance policy might not pay out if your caravan is not fitted with a proper wheel clamp when parked. To sum up, 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 well-lit area, 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.
Excess
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 or it could be deducted from any claims settlement. 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.This is where Insurance Reimbursement Insurance can help.
Don’t be tempted to take the first quote you see, shop around and be sure to compare all policies in detail. It isn’t easy choosing the correct touring caravan insurance policy, therefore here at caravanquoter.co.uk we aim to compare the best prices for you.
