Caravan insurance needn’t cost the earth. In the third of our money saving insurance tips we talk about the importance of shopping around. Like when you are shopping for anything, if you just buy the first thing you see that you like in a shop you are guaranteed to walk 50 yards down the road to another shop and see either the same thing but cheaper. Or instead you find something you would rather have had, but you’re stuck because you were too hasty.
Human nature means many of us are prone to do this, when with a little patience and thought we could find exactly what we need at a price we can afford. There are many caravan insurers plying their trade on the internet, so there are plenty of ’shops’ for you to look in (and you don’t even have to get wet!). And like high street shops there are cheap shops and there are expensive shops, so even if you find something that suits you down to the ground, it doesn’t mean you won’t get it cheaper elsewhere.
A key to this is being clear precisely what it is that you need. Questions like… how much cover do you need for belongings?… if I’m intending to rent the caravan out, how much public liability should I have? These are the kind of things that you should be looking to answer before putting your virtual pen to paper on your new static or touring caravan insurance policy (I’m assuming you’re using the internet, because if you’re not then you’re highly likely costing yourself money).
So you may find when you shop around that a policy has cover that you maybe don’t need, and you could save yourself money by getting a different policy that doesn’t have that cover on it. A little common sense and a bit of thought goes a long way here.
Okay it may take you a bit of time to have a look at what the different insurers are offering, but this is time well spent as you will not only be getting cheaper caravan insurance, but you will also have the peace of mind that you have the coverage you need.
Shop around, shop around, shop around. Good advice in all areas of life, and especially so when it comes to getting your caravan insurance policy.
Tags: caravan, insurance, save money, tips