Archive for the ‘Caravan Insurance’ Category

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Avoiding the Caravan Insurance Gotchas

Thursday, March 29th, 2012

Thankfully these days reputable insurance providers are far less prone to burying gotchas in the small print. Nonetheless it is always very advisable to read a caravan insurance policy closely to be sure you understand what you are signing up for, both in terms of what cover you do have, but also what might not be in the policy. Some things to look out for are:

  • check what security devices are obligatory under your policy, as you will not be covered unless you use these.
  • What external items are covered? Furniture, barbecues, satellite dishes. Be sure you know, so you don’t get caught out.
  • statements of your claim obligations. If you make a claim against the policy for theft then you may need to provide supporting evidence that it was reported to the police within a specified amount of time.
  • Static caravans may be required to be fully jacked off of its wheels and secured using a specific anchoring method.
  • During the in-season you may find that there are stipulations at to where you can locate your caravan. For instance a static caravan may need to be on a licensed site that provides full services.
  • During the closed season you may have to store your caravan off-road, or possibly in a secure location.

The main point is that it is important that you read your policy carefully to fully understand your obligations and the limits of your caravan insurance policy.

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Why Should I Buy Caravan Insurance?

Tuesday, March 27th, 2012

Ahhh…. Summer…. The time of year when caravanners will be dusting down their gear, getting their caravans out of storage, and dream of sunny days on the open road. Unfortunately a lot of these people will do so without having any kind of caravan insurance cover. And for a section of these this will prove an expensive oversight.

Those dreams of carefree days can turn to a nightmare if disaster befalls, and adequate precautions were not taken prior to setting off on your trip. And the strange thing is that there is not actually a legal requirement to insure a caravan. Indeed may people rely on their household insurance.

Nigel Coppen, spokesman of the Camping and Caravanning Club says, “Many people are surprised there is no legal requirement to insure a caravan, but you are covered under your motor insurance in the case of an accident on the road.” However he sagely adds that “Personally, I wouldn’t own something that can cost up to £20,000 and not insure it.” We’re with you on that one Nigel.

Ian Crowder of the AA says, “Most motor insurance policies do allow the driver to tow a caravan or trailer,” adding that, “you should check with your insurer.” He also points out that there are “tough rules about which cars can tow which size of caravan.” And it is wise to stick rigidly to this, or risk losing out.

Having good insurance is very important for at least two reasons: firstly, you could find yourself very out of pocket if things go wrong; secondly, you are going to have a rotten holiday if something goes wrong. And bear in mind that many insurance policies will cover for alternative accommodation, so you can continue to enjoy your holiday without the financial burden.

Also bear in mind that contents left inside a locked car are not covered by your car insurance. So if your car is broken into and valuable gear is stolen, you will have no protection.

And for those relying on their home insurance policy, these items could add up to a hefty sum, which your insurance may not cover, and could also push up next years premium by a hefty amount.

We have said it before many times, and we say it again. Be sure you have an adequate touring caravan insurance policy. That is what we here at caravan-insurance-cover.co.uk are here to help you with, find the right insurance at the right price.

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Finding The Cheapest Caravan Insurance

Sunday, March 25th, 2012

During these difficult financial times we are all looking to squeeze the most we can from each of our hard-earned pounds. It can often seem frustrating paying out for insurance, for something that may have no financial return. However it remains an essential investment even in the hardest of times, and this is as true of caravan insurance as any type of insurance.

When looking for your next insurance policy you will only find the cheapest caravan insurance if you are willing to compare prices. This used to be a case of hunting through the Yellow Pages and making laborious phone calls to insurance providers, however with the internet this becomes a much more straightforward task.

The best place to start the process of comparison is a specialist caravan insurance comparison site, like www.caravan-insurance-cover.co.uk. They will offer you easy access to the range of caravan insurers in the market making the task a lot easier. However it needs to be borne in mind that the price is not the only consideration when buying insurance. You must also make sure that you have adequate coverage.

Adequate coverage means both enough coverage in financial terms, and also enough coverage in the breadth of items and circumstances that are protected. For instance you may take your caravan touring on the continent, in which case you will want to include continental coverage in your insurance. And if you don’t, you will want to make sure you are not paying for it unecessarily.

It is important to take the time to compare both prices and coverage between at least several different providers to make sure you are getting the right insurance, but also at the best price available. Substantial savings can be made with fairly little effort by harnessing the power of the internet, and in these financially pressing times this becomes more important than ever.

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Carry On Touring (But Don’t Forget the Caravan Insurance)

Wednesday, March 21st, 2012

It was heartwarming to hear the story of Wally Jinks, 51, from Doncaster, who shared £2,033,705 with his friend Alan Stringer, 50, after the pair matched all six numbers in a Lotto Rollover. Despite his good fortune though Wally has no intention of giving up his regular caravan holiday to the Yorkshire coast. One extravagance though, he and his wife Dawn are going to upgrade their touring caravan.

Lucky for Wally he will have the cash to replace his caravan if something happens, but for most of us, making sure we insure our touring caravans properly is an important financial consideration. A caravan is a big investment, and will make a big hole in the average wallet if it is not insured and something happens.

Luckily in these information super highway days, we have the benefit of being able to hunt down the right touring caravan insurance with ease. There are a variety of insurance providers on the internet ready to offer you there wares. www.caravan-insurance-cover.co.uk is here for the very purpose of helping caravan owners find the policy that is right for them.

We have a variety of resources to provide you with the background information to make informed choices, and to save money when you are looking for caravan insurance. And we provide links to the main insurers on the internet, to aid your journey to the right insurance.

How do I make my caravan more secure? How can I save money on premiums? What isn’t covered on insurance? what do I need to cover on insurance? These are the kind of things we look to help out caravanners with when they are looking for their touring caravan insurance.

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Static Caravan Insurance Online

Monday, March 19th, 2012

So why should I buy my static caravan insurance online?

An excellent question, and one that has these compelling answers:

  • information
  • choice
  • price

Information: The internet is an excellent source of information (of course we include www.caravan-insurance-cover in that statement!). ‘Knowledge is power’ the saying goes, and it is an important truism when researching your insurance. Our aim on this site is that you should be able to find out pretty much all you need to know before buying your insurance without leaving the site. To help you understand the elements of static caravan insurance, to ensure you are buying the right policy.

Choice: The internet is essentially an enormous virtual shopping mall, one you can browse without leaving the comfort of your armchair. Easy access is available to various static caravan insurance providers, so you can see what each has to offer, and compare policies before investing your hard-earned money. This allied with the information I mentioned earlier puts you in a far better position to get the right insurance policy for your static caravan.

Price: This is the big one for most people. Many caravan insurance providers offer discounts for buying insurance online. So, you know what you need (information), you know where you can get it (choice), and you know where you can get it the cheapest (price).

All in all the chance to research and buy your static caravan insurance online is one that puts the buyer in the position of power. It is our aim here at caravan-insurance-cover.co.uk to help you get into that position of power, to make sure you get the right static caravan insurance policy at the right price.

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The Right Caravan Insurance At The Right Price

Saturday, March 17th, 2012

The great thing about being a touring caravan owner is that you can take off pretty much whenever the fancy takes you. And if you have a good insurance policy you can go with complete peace of mind. To find the right policy you want to investigate the specialist touring caravan insurance providers you can find on the internet.

An increasing number of companies now provide specialist caravan insurance, meaning an ever growing choice for the caravanner. And as we all know, competition is a good thing for the consumer, it offers choice and lower prices. So make sure you take advantage of this, and use the internet to research the insurance market, and get the right insurance policy.

As we never tire of saying here at caravan-insurance-cover, knowledge is power, and the internet is a godsend for caravanners looking for insurance. It is an amazing tool for research, which helps you to get informed about your needs for insurance, find the insurance policies that match your needs, and also find the cheapest caravan insurance quotes. A triple whammy.

The internet also makes the job of comparing quotes that much easier. Gone are the days of leafing through the Yellow Pages, making time-consuming phone calls to get overpriced insurance. The internet has democratized the market, putting downward pressure on prices as the bar to entering the market has been dramatically lowered. More competition, more information, this is all good news for the caravan owner.

A great place to start when looking for your next caravan insurance policy is here at www.caravan-insurance-cover.co.uk. The site offers you information about caravan insurance, so you can understand what goes to make up a caravan insurance policy. This will enable you to make informed choices when comparing polices.

We also offer links to specialist caravan insurers to simplify your job when looking for quotes. This will make it easier for you to get several quotes prior to spending your hard-earned cash. So you can find the cheapest policy that fits your requirements.

This mix of information and links offers a portal to caravan owners. A portal that puts the consumer in control. And with this powerful tool we seek to achieve our goal, which is to help caravan owners find the right caravan insurance at the right price.

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Compare Caravan Insurance Online

Thursday, March 15th, 2012

Whenever you buy something, you naturally want to find the best deal available, and this is as true of caravan insurance as anything else. And like anything else the best way to achieve this is by comparing policies. It is tempting to try to save time by just finding any policy and signing up, but this will very likely be a false economy, and come back to bite your behind.  It’s actually a lot easier than many people imagine to compare caravan insurance policies if you approach it in the right way.

So what is the right way? To head online is the answer. It is common knowledge that the internet has revolutionised shopping for many people, and this is as true as for caravan owner searching for insurance as for anyone else. It is easy online to investigate the options available to you, to investigate what different policies have to offer, and price comparison sites make this task even more straightforward.

Finding the caravan insurers is very easy using an online caravan insurance comparison site. Here at www.caravan-insurance-cover.co.uk. we provide you with access to the best caravan insurers the country has to offer. This will make finding the right caravan insurance policy, that is one that suits your needs, and your pockets, a whole lot easier. Save time, save money, use the power of the web to help yourself.

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Insuring Static Caravans

Tuesday, March 13th, 2012

Whether you own a static or a touring caravan, insurance should be in the forefront of your mind. This is even more so the case if you own a static caravan, because although there are some differences in risks associated with each type it is crucial that you are adequately protected by having a suitable static caravan insurance policy in place.

There are some advantages to owning a static caravan in comparison to a tourer, notably once they are in situ there is no need to move them any further. So there are no additional risks concerning moving the caravan on roads, and also a massively reduced risk that the caravan is stolen. However some alternative things need to be borne in mind.

Static caravans are more prone to being vandalised, and having things stolen from them, simply because they are left unattended for long periods at a time. By contrast touring caravans can be stored in secure facilities when not in use, or safely on your drive. Additional security features of a static caravan and of the park it stays in should certainly be considered to help reduced these threats.

At a very minimum secure locks and burglar alarms should be installed in a static caravan, and you need to make sure the site you leave it at is both reputable and suitably secure. You should also bear in mind potential environmental threats that could be posed to your caravan, for instance make sure it is not in an area at flood risk, and not too expose to the cold, which can freeze pipes.

Even with these additional forms of protection, a good static caravan insurance policy remains an important part of protecting yourself and your caravan. Loss and damage can add up to large amounts and should be carefully considered when investigating policies, in this way you can rest assured that if the worst happens, you are insulated from the financial aspects of it.

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Responsible Caravan Towing

Sunday, March 11th, 2012

One sure-fire way of lowering the costs of caravan insurance is the no-claims discount – along of course with making sure you compare caravan insurance online. Achieving this is the result of sensible and responsible preparation and driving on the part of the caravan owner.

With the credit crunch encouraging more people to consider caravan holidays this year, the Caravan Club have teamed up with the Driving Standards Agency to advise UK motorists to brush up on their driving and caravan towing skills before they hit the roads this summer.

The DSA’s Chief Driving Examiner, Trevor Wedge says: “Anyone who has not towed a caravan for a number of years should make sure they are familiar with any changes that may have taken place before they get in the driver’s seat. Handling, manoeuvring and vision is different for a driver when towing.”

The Caravan Club offer training courses for both motorhome and caravan drivers who want to refresh their skills before they set off on their summer holidays. Along with the DSA they highly recommend that drivers check a few things:

  • If you passed your driving test before 1997, you are allowed to drive any car towing any caravan as long as the combined weight does not exceed 8250kg.
  • If you passed your test after January 1997 then additional restrictions apply. You need to check these restrictions, and dependent upon the size of car or caravan you are driving or towing, you may have to take a further driving test.

Some further things you should consider is that over the years caravans have tended to become heavier, so you should make sure your car and caravan are a correct match. If they are not they could be unsafe and maybe even illegal. You should also make sure you are au fait with the technology features you have, for instance stability control systems.

Towing a caravan, if not sensibly undertaken, can be dangerous to yourself and to people around you. People towing caravans have a responsibility to ensure they have taken the necessary precautions to reduce this risk as much as possible. Courses like these, and forethought on behalf of people towing caravans go a long, long way to reducing that risk.

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Cheapest Caravan Insurance

Friday, March 9th, 2012

It is quite natural to assume that the cheapest caravan insurance you can find is the best one for you when looking for a new policy. This could be the case, but more often that not it is a short-sighted approach to take. In fact there are several equally important factors to consider when searching for your new caravan insurance.

Buying the cheapest policy can indeed be a false economy. Imagine you are struck by a misfortune and make a claim on your policy only to find that the policy does not in fact cover your caravan for such a loss. Suddenly it ceases the be the cheapest caravan insurance policy!

Price and coverage need to be considered in tandem when looking for a insurance policy. Concentrating on just one can cause you unnecessary expense, in that you may either be paying over the odds for your policy, or may find yourself out of pocket as mentioned above.

Regarding coverage, you should carefully consider just what you need to have protection for, and just how much coverage you should have. Also, your coverage needs differ dependent on whether you have a static or touring caravan. For instance you should pay attention to the fact that some touring caravan insurance policies have restrictions on the age and experience of drivers qualified to tow the caravan. By contrast static caravans are left unattended for long periods of time, and that makes them prone to being burgled.

Bear in mind that cheap, cheaper, cheapest doesn’t necessarily translate to good, better, best, as the cheapest caravan insurance is not necessarily the best.

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