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Most caravanners get a surprise when they find out that caravan insurance is not compulsory, as many car insurance companies offer some basic cover for the caravan being towed. We feel that a caravan is a significant investment and should have a separate policy if worst comes to worse, and it can.
Thousands of claims and accidents are reported each year and with the increase of global warming, flash floods are more common then ever. Their is a lot to consider when buying insurance, don't just buy the first company you come into contact with, here our our best tips for getting the best deal and cheaper caravan insurance.
Thousands of claims and accidents are reported each year and with the increase of global warming, flash floods are more common then ever. Their is a lot to consider when buying insurance, don't just buy the first company you come into contact with, here our our best tips for getting the best deal and cheaper caravan insurance.
Compare the insurance market
Always compare the cover levels. The cover that you will need will vary depending on where you store the caravan and how you use it. If you are worried about what is covered and what is not then consider going fully comprehensive, but consider what you leave in your caravan. A lot of caravan insurers will not cover personal items, for instance jewellery, expensive electrical appliances ( televisions freeview boxes etc ) toys and clothes. Try to remove as many items as possible and quote the cover needed to the insurer this could reduce the premium by 15%. Always ask the insurance company the amount of cover for personal items.
Always compare the cover levels. The cover that you will need will vary depending on where you store the caravan and how you use it. If you are worried about what is covered and what is not then consider going fully comprehensive, but consider what you leave in your caravan. A lot of caravan insurers will not cover personal items, for instance jewellery, expensive electrical appliances ( televisions freeview boxes etc ) toys and clothes. Try to remove as many items as possible and quote the cover needed to the insurer this could reduce the premium by 15%. Always ask the insurance company the amount of cover for personal items.
The older driver
Annoying as it sounds older drivers get better caravan insurance, a driver over 50 with many years of experience under his belt can save up to 40% more then a driver under 50. A lot of insurance companies will give discounts on polices if you have many claim free years on your car insurance so its worth mentioning.
Annoying as it sounds older drivers get better caravan insurance, a driver over 50 with many years of experience under his belt can save up to 40% more then a driver under 50. A lot of insurance companies will give discounts on polices if you have many claim free years on your car insurance so its worth mentioning.
Online Polices
More and more people are using the Internet to get great deals on caravan insurance. Some can offer up to 20% from taking the same policy online. Always check the cover levels before committing
More and more people are using the Internet to get great deals on caravan insurance. Some can offer up to 20% from taking the same policy online. Always check the cover levels before committing
Discount with security
There are numerous insurance approved devices on the market today. Not only do they keep your caravan safe they can have a big difference on the amount you pay on your premium. Usually a wheel clamp and hitch lock is the minimum level on most standard caravan polices, however fit a tracker and you could save another 10%. Worth pointing out most caravan insurers will need a valid cris registration document in your name before any insurance can be bought.
There are numerous insurance approved devices on the market today. Not only do they keep your caravan safe they can have a big difference on the amount you pay on your premium. Usually a wheel clamp and hitch lock is the minimum level on most standard caravan polices, however fit a tracker and you could save another 10%. Worth pointing out most caravan insurers will need a valid cris registration document in your name before any insurance can be bought.
Old for new ( Market value cover )
This does what its says, If your new caravan is damaged beyond repair or stolen then you wont be paid the current market value, you will get another new caravan. Always check the term and conditions first, Some companies give old for new on a caravan up to 12 years old only but the normal is just 5 years old . We would always recommend this feature if you can.
This does what its says, If your new caravan is damaged beyond repair or stolen then you wont be paid the current market value, you will get another new caravan. Always check the term and conditions first, Some companies give old for new on a caravan up to 12 years old only but the normal is just 5 years old . We would always recommend this feature if you can.
Caravan storage
Caravan storage is always a problem for us caravan owners, Many are happy to leave on the roadside or on their driveway. The majority use caravan storage sites but does your insurance cover you for these places? A few caravan insurance companies require that the caravan is in a secure location ( always check policy ) If you choose to store your caravan in a compound with the Cassoa gold site award then you could see your premium fall by 5%
Caravan storage is always a problem for us caravan owners, Many are happy to leave on the roadside or on their driveway. The majority use caravan storage sites but does your insurance cover you for these places? A few caravan insurance companies require that the caravan is in a secure location ( always check policy ) If you choose to store your caravan in a compound with the Cassoa gold site award then you could see your premium fall by 5%
Voluntary excess.
If you can then choosing a higher voluntary excess could save you 20% however you could have to agree to pay up to £500 if you make a claim, even if the accident was not your fault you could still have to pay up front and reclaim from the other party.
If you can then choosing a higher voluntary excess could save you 20% however you could have to agree to pay up to £500 if you make a claim, even if the accident was not your fault you could still have to pay up front and reclaim from the other party.
Remember a lot of caravan insurance companies WILL NOT INSURE any caravans that do not have a valid cris registration document. Make sure your caravan is cris registered and you have the document in your name. Also some twin axle caravans are difficult to insure so worth checking before purchasing.
Adrain flux insurance
East Winch Hall
East Winch
Kings Lynn
Norfolk
PE32 1HN
Tel: 08000 890203
Website adrianflux.
East Winch Hall
East Winch
Kings Lynn
Norfolk
PE32 1HN
Tel: 08000 890203
Website adrianflux.
Armon, Heath and Dame
Caravan Protection Plus
Pean Hill Park
Pean Hill
Whitsabale
Kent
Tel: 01227 785555
Website : armonheath
Caravan Protection Plus
Pean Hill Park
Pean Hill
Whitsabale
Kent
Tel: 01227 785555
Website : armonheath
Caravan Guard
Gorden House
Charles Street
Halifax
West Yorkshire
HK1 1NA
Tel: 08452 777070
Website : caravanguard
Gorden House
Charles Street
Halifax
West Yorkshire
HK1 1NA
Tel: 08452 777070
Website : caravanguard
Caravan Wise
100 Ringwood Road
Walkfield
Christchurch
Dorset
BH23 5RF
Tel: 08003282084
Website : caravanwise
100 Ringwood Road
Walkfield
Christchurch
Dorset
BH23 5RF
Tel: 08003282084
Website : caravanwise
Caravan Care Insurance
The C&C Club
Creast House
Station Road
Egham
TW20 9LG
Tel: 08447704620
Website : clubcareinsurance
The C&C Club
Creast House
Station Road
Egham
TW20 9LG
Tel: 08447704620
Website : clubcareinsurance
Coversure Insurance
Coversure House
Vantage Park
Washingley Road
Huntington
PE29 6SR
Tel: 08003 081000
Website : coversure
Coversure House
Vantage Park
Washingley Road
Huntington
PE29 6SR
Tel: 08003 081000
Website : coversure
Lifesure Group LTD
3 Fenice Ct
Phoenix Park
Eaton
Cambs
PE19 8Ew
Tel: 08717 261245
Website : lifesure
3 Fenice Ct
Phoenix Park
Eaton
Cambs
PE19 8Ew
Tel: 08717 261245
Website : lifesure
One Quote Direct
Europa House
Midland way
Thornbury
South Glos
Tel : 08000 891317
Website : onequotedirect
Europa House
Midland way
Thornbury
South Glos
Tel : 08000 891317
Website : onequotedirect
Shield Total Insurance
Juniper House
Warley Business Park
Great Warley
Brentwood
CM13 3BE
Tel: 08448 474 474
Website : shieldtotalinsurance
Juniper House
Warley Business Park
Great Warley
Brentwood
CM13 3BE
Tel: 08448 474 474
Website : shieldtotalinsurance
