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Whether you own a static or a touring caravan, it’s important that you get the best quality caravan insurance cover that you can.
Your caravan is a valuable asset and so you need to ensure it is protected against a variety of risks including fire and flood damage, theft and accidental damage.
However, the cost and quality of caravan insurance varies between caravan insurance companies and so it is important to shop around before you buy.
Why you need to approach specialist caravan insurance companies
Caravan insurance is a specialist area. Your current car insurer or your bank may not be able to offer caravan cover and so you may need to undertake a dedicated caravan insurance comparison to find the right cover at the right price.
As with other types of insurance, the quality of cover as well as the cost varies from insurer to insurer. When you’re searching for the best caravan insurance quote make sure you compare both the cover included under the policy as well as the cost.
What to look for when you research cheap caravan insurance quotes online
There are lots of factors to consider when you search for the best caravan insurance quote. The most important are:
- The cost
- Any discounts that are available (buying online, no claims)
- Whether European cover, accidental damage and ‘loss of use’ cover are included
- The standard excess
Of course, when you’re researching cover, finding the cheapest caravan insurance may be your priority. Premiums vary wildly from insurer to insurer and undertaking a caravan insurance comparison can help you find the most competitive premium. However, it's important not to sacrifice cover just to get a cheap quote or you could get caught out if you find you do need to make a claim.
When researching cheap caravan insurance quotes online it can also be useful to compare the discounts available. Many insurers offer a discount if you buy your caravan insurance online while others will give you a significant discount if you have a good claims history. You shouldn't just base your decision on the provider that advertises the biggest discount as this doesn't necessarily mean they'll be able to offer a quote that gives you value for money, or even a cheap price.
When you're looking at your options it is also important to cover the quality of cover offered by cheap caravan insurers. For example, does the policy include cover for taking your touring caravan to Europe? Can you make a claim for accidental damage? And will your policy cover you for loss of use?
If you don’t ensure your caravan is protected against these risks then you could find yourself out of pocket if your policy won’t pay out when you make a claim.
You should also consider whether you'd like caravan contents insurance and if so whether the policies you are looking at offer this as an option.
Finally, when you’re looking for the best caravan insurance quote you should compare the standard excess on a policy. This is the amount of any claim that you have to pay yourself.Some of the cheapest caravan insurance quotes may have a much higher excess, so be sure to compare this before you buy.
