How to find cheap caravan insurance

Saturday, 25 September 2010 10:23

As anyone with a caravan or motor home will know, it can be difficult to find the best deal when it comes to insurance.

Often it can seem that, no matter how much experience you have behind the wheel, there always seem to be hidden costs.

But there are some ways of getting all the cover you need and still managing to walk away smiling because you've found cheap caravan insurance.

What should be covered?

Motor insurance of any kind can be a bit of a minefield when it comes to getting the right cover.

There are so many options to choose from that it can be confusing to understand and difficult to get exactly what you want.

When beginning your hunt for cheap caravan insurance, it is important to know what you need to be covered for.

While you can tow your caravan with third party insurance, it is not advisable to skimp on the level of cover in order to reduce the premium.

Although taking out a third party policy can seem like a good way to save money, especially if you do not use your caravan on the roads more than once or twice a year, it can be a false economy.

This is because it will only cover damage to other people's property or injuries sustained to other road users. Your insurance company will not pay out for any damage or injuries relating to you or your caravan.

As a general rule, fully comprehensive is the way to go, because it covers all this and more.

But there are a few differences to look out for when it comes to caravan insurance rather than general motoring policies.

How is caravan insurance different?

Differences in caravan insurance policies will largely depend on where you use your vehicle and where it is kept.

For example, if you hitch your caravan up to your car and tow it around the country then you will need a touring insurance policy, which will provide different cover to that offered by a policy aimed at static caravans.

In terms of how this differs from everyday motor insurance, caravan insurance quotes will reflect that fact that you are likely to be driving around with more possessions and valuables in your vehicle than in a standard car.

If you have any valuable camping or caravanning equipment that is usually kept in the vehicle then you should make sure that this is covered under your policy in the event that your caravan is stolen or gets broken into.

Insurance for static caravans

By its nature, a static caravan does not move, which means that it is exposed to different risks to touring caravans.

This means that the insurance cover will be slightly different and take into account factors such as where it is kept, with particular attention paid to any flood risks at the site.

Many caravan insurance quotes provide standard cover for loss or damage to your caravan, as well as offering the choice of additional options relating to contents and any specialist equipment you may own.

Keeping prices down

Finding cheap caravan insurance can prove difficult but there are a few things that owners can do to increase their chances of success in this regard.

One is to thoroughly check any site you are planning to use or store your caravan at. This is particularly important for owners of static caravans as the flood risk of a location will be taken into account when calculating a premium.

Thinking carefully about what you keep in your caravan is another good way to reduce a premium. If you store less valuable equipment in it, then your insurance costs should be lower.

Some insurers also offer discounts to members of the Caravan Club, which can mean that approaching a specialist provider can result in some cheap caravan insurance deals.

Check out the caravan and motorhome insurance from moneyextra.com.

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