Caravan Guard – Five caravan insurance buying tips.
Caravan Guard – Five caravan insurance buying tips.
Whilst it’s not a legal requirement to insure your caravan, having invested thousands of pounds, you’ll want to make sure it’s covered to be repaired should the worst happen and your pride and joy is badly damaged or stolen.
A common misconception is that you only need caravan insurance when you’re using your tourer but a lot of insurance claims are for when a caravan is not in use, when your caravan could suffer damage from bad weather, or worst still, theft.
- Protect your caravan with specialist insurance
Choose an insurance company which specialises in cover for leisure vehicles. They’re more likely to understand your needs and will be able to guide you through the insurance buying process. A specialist caravan insurance policy can also cover your caravanning equipment, such as expensive awnings, you motor mover and also TVs and barbecues that you use with the caravan.
- Extensive cover for your caravan
You’ll want an insurance policy which gives you protection whilst touring or in storage, for things like fire, theft, storm, flood and accidental damage. Plus look for cover for storm damage to your awning.
Look out for levels of caravan insurance cover, such as new for old, which means that if your caravan is stolen or completely damaged you’ll get a brand new caravan of the same or equivalent specification.
Also make sure your tourer is covered for a wide range of risks, particularly storm damage. The recent Beast from the East caused wipespread damage to caravans across the UK.
You might also want the flexibility to tailor your caravan insurance to meet your needs, such as cover for travelling in Europe, legal expenses and protecting your no claims discount.
- Highly-rated
Have a search online and search for customer reviews on websites like ReviewCentre.com or why not take a look on Caravanners R Us to see what other caravanners have to say about different insurance companies.
Be sure to check the level of insurance cover you’re getting and if the product has a Defaqto Star rating. Defaqto are independent financial experts who review all caravan insurance products on the market. A 5 Star Rating signifies that a policy offers some of the most comprehensive levels of cover on the market.
Don’t forget, the old adage “you get what you pay for” applies when shopping for caravan insurance. If you get a price that’s unusually low make sure you check the policy wording for any exclusions that apply.
You’ll probably want a caravan insurance provider who’s readily available should you need their help, so check for extended opening times and 24 hour helplines.
- Make your caravan safe and secure
If you’re a particularly safety and security conscious caravanner then you’ll want to be rewarded for this when insuring your caravan.
Caravan Guard offer a number of discounts to those caravanners who’ve invested in kit to keep their caravan safe on the road, such as anti-snaking devices and tyre pressure monitoring systems. Plus devices like tracking devices and alarms along with secure storage will help to keep your insurance premium down by protecting your caravan from theft.
- Reducing the cost
Flexing your excess will also help to lower your premium as well as removing levels of cover that you don’t need, such as European cover. Also check to make sure your sums insured are correct each year to make sure you’re not paying too much.
Remember, Caravan Guard offers Caravanners R Us members a 10% club discount on their touring caravan insurance. Click here to get a quote or call 01422 396788 mentioning Caravanners R Us.
CaravannersRus Limited is an introducer appointed representative to Caravan Guard Limited which is authorised and regulated by the Financial Conduct Authority’.
