If you’re looking for caravan insurance online, here are a few useful tips.
- Caravan insurance online is typically organised under the main caravan description types of statics, motorhomes, tourers etc.
- Some sites may offer the capability to enter your details and to be able to see various offers from insurers. Such sites may save you time and effort.
- You may find that some providers offers discounts for certain types of behaviour such as belonging to a caravan owners’ association or using additional security features on your caravan such as alarms. Although such discounts may not be substantial individually, collectively they may mount up and be worth looking for.
- Try to avoid being too influenced by banner headlines relating to cheap or best insurance. What’s best or cheap for someone else may not be so for you. Instead, look critically at the cover being provided then decide if:
- it’s the cover that most fits your needs and situation;
- the price seems reasonable in terms of what’s being offered.
- Take the time to read the proposal/quotation carefully and pay particular attention to the terms and conditions. These vary significantly and some may be rather more acceptable to you than others. For example, if you go abroad regularly with your caravan then policy restrictions on the number of days you spend outside of the UK may not be acceptable to you (though they may be fine for someone else).
- Pay attention to the contents cover. Some policies offer new-for-old forms of replacement while others work on the basis of a market valuation (typically meaning a second-hand value). Either may be fine for you depending upon the number and value of the contents in your caravan – just be clear that the policy matches your requirements.
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