Posts Tagged ‘caravan’

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Cheap Caravan Insurance Isn’t Always Cheerful

Thursday, May 17th, 2012

When it’s time to renew your caravan insurance it’s easy to be tempted by big shiny headlines offering you cheap insurance. It is important that you understand what precisely is on offer, otherwise you are unlikely to find the policy that suits your needs adequately.

So it is important to bear a few things in mind:

  • it may be cheap to buy, but if it doesn’t cover you properly then it may turn out to be very expensive.
  • people use their caravans differently, and as a result have different requirements for their caravan insurance, so the price needs to be viewed in this context.

You will also find that the insurance providers will require you to take certain measures to reduce the risk of your caravan getting stolen and/or damaged, among them may well be:

  • a requirement to use wheelclamps and/or hitchlocks to prevent theft of the caravan. You will probably find that a wheelclamp is required if your caravan is unattended, however if it is both unattached and unattended you will probably also need a hitchlock.
  • a requirement that if you have an awning and leave the caravan unattended it will need to be securely stored. If you don’t and the awning is damaged in a storm you will probably find that the damage will not be covered by the insurance.

You may find that your caravan insurance may not be the cheapest you can locate, but don’t make the mistake of going down the false economy route. Make sure you have adequate coverage before you part with your hard-earned cash, because you often get what you pay for.

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Save Money On Your Caravan Insurance: Tip 4

Saturday, May 12th, 2012
Cheaper Caravan Insurance

Cheaper Caravan Insurance

This is the latest in our posts to offer tips to help you find cheaper caravan insurance. Today we look at the excess of a policy.

Caravan insurance has what is called an excess attached to it. This means that if you were to claim against your policy for any reason you would receive how ever much you claimed for minus the amount of your excess. For instance if your excess is £200 and you make a claim for £500, if your claim is approved you would receive £300… i.e. 500 – 200 = 300.

What this means for the insurance company is that they will end up having to pay out a pound less for each pound more you have on your excess. So from their perspective, the higher your excess, the more profit they are going to make. They in turn will charge you lower premiums the higher you set your excess level.

This can be a useful way of saving money when buying a caravan insurance policy. But it should be considered that it is pointless having cheaper caravan insurance if when you make a claim you don’t have enough money to cover the excess, and as a result end up without a usable caravan.

So next time you are getting caravan insurance quotes, experiment with different excess levels to see the effect it has on the premiums. You could save yourself a decent amount of money.

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Caravan Insurance For Dogs

Thursday, May 10th, 2012

One of the benefits that many people are finding from caravanning is that it means they don’t have to put their beloved dogs into kennels while they are away. Instead due to some of the available caravan insurance policies they are able to take them with them. This is an advantage that Bed & Breakfast does not afford dog owners.

When you bear in mind that there are 7.3 million pet dogs in the UK, which equates to 43% of all households, calling us a nation of dog lovers is fair comment. As a result, an increasing number of caravan insurance policies taken out now include cover not only for the family, but also for the pet pooch.

One caravan insurance company offering such policies are Insure My Caravan. David Quick, Director of the firm is keen to stress how important it is to get the right insurance policy. He says, “With the current caravanning boom, more families are taking out caravan insurance that allows their dog to go on holiday too. It is a great way for your whole family to enjoy a break away whilst ensuring that you are still fully insured against all eventualities. At the end of the day, your dog does deserve a holiday too and there is no better way to spend your holiday than as a family.”

You will be able to take holidays with your dog in either static or touring caravans, and know you are covered for any accidental damage your dog may cause. You will also find that many caravan sites are becoming increasingly dog friendly, so there is no real reason for going through the pain of putting your dog in kennels. Indeed you will be saving yourself the cost of the kennels, so in fact you are receiving a double bonus.

So, if you are a dog owner, and looking to holiday in a caravan, don’t just assume you can’t take the dog. Look into what is available in terms of caravan insurance, and you will find that you will be able to take the dog, and save on the kennel bills. Bit of a no-brainer really!

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The Importance of Caravan Insurance

Tuesday, May 8th, 2012

The costs of taking a caravan holiday can really start to add up. when take into account thing like food, fuel, shopping expenses (gas bottles etc…) you may be tempted to think that you can save some money by ignoring any kind of caravan insurance. This though is not a good idea.

Any towed vehicle, be it trailer tent, mobile home, or caravan, must at least have third party insurance when it is on the public highway. The chances are that motorists will be covered by their car insurance, but this is not necessarily the case, and they may find themselves on the wrong side of the law, and ignorance is not a defence in such circumstances.

Caravan insurance is an important consideration, and caravan owners should budget for it. To not do so could cost dearly.

It is a sobering thought that over 5000 caravans are stolen in the UK each year, despite the fact that this figure represents a near 50% drop. Stolen caravans is a very real concern for owners, and it is important they ensure they are fully protected for such an eventuality. When added to the risks of fire, and damage sustained in transit, it is clear that owners are taking a big chance if they don’t insure their caravan suitably.

Many caravan owners invest amounts of money into the fittings and furnishings of their caravans. This should also be protected, and owners should ensure their policy offers adequate coverage.

Not surprisingly, given the increasing popularity of caravanning in the UK, the caravan insurance market is a very competitive field. This is obviously great news for caravanners as it helps to drive down premium costs of their policies.

Once a caravan is properly insured, the owners are ready to head out on a carefree trip around this beautiful island of ours. Be it to the peacefulness of West Wales, the rugged beauty of the Scottish highlands, the wonderful beaches of Devon and Cornwall.  All of these places are freely and cheaply available for the caravan owner.

Holidays are about getting away from the stresses and strains of our everyday lives, and for real peace of mind a suitable caravan insurance policy is very much a must.

 

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Touring Caravan Insurance Thoughts

Friday, May 4th, 2012

Given the state of the economy it is no surprise to see a surge in the number of caravan holidays. It offers a cheap alternative to expensive foreign holidays, and if you invest in a caravan it will bring you great pleasure for years to come. However, the question of touring caravan insurance must be carefully considered if you don’t want to put your wallet at risk.

Alongside the growing popularity of caravan ownership is the issue of a growing popularity among caravan thiefs. The two, not surprisingly, run parallel, despite the conviction a while back of a prolific gang of caravan thieves.

Theft is not the only issue in terms of risk you need to consider. There are the risks of the road, and accidental damage, vandalism, to name a few. A caravan is a significant investment that can be expensive to repair, so it is always sensible to make sure a fully comprehensive caravan insurance policy is in place.

Add to this the risk of fire, or theft of your possessions from the caravan, and also any environmental hazards you may face at the campsite (e.g. flooding), and it is easy to see there are significant risks to consider if you want to keep yourself protected. In terms of theft, it is wise to consider additional security on the caravan, for instance having alarms installed. This can bring a significant reduction in the cost of your insurance premiums.

Any loss or damage with a caravan is an emotional upset, which to some extent can be mitigated. However, the financial upset is more easily handled by making sure you have a good caravan insurance policy in place before you hit the road.

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Caravan Insurance UK

Wednesday, May 2nd, 2012

The UK caravan insurance market is an exceptionally competitive field. It goes without saying that this is good news for owners of caravans. Competition has the effect of pushing down prices, it is the law of supply and demand. So when the time comes to buy a caravan insurance policy, this saves owners money. Whilst there are many insurance companies in the market currently offering policies, this can in fact make it a bit confusing as to where to turn, sometimes too much choice is not a good thing.

Here at caravan-insurance-cover.co.uk we aim to simplify things for you. We provide a wealth of information about caravan insurance: what they consist of; how you can cut the costs. We also provide links to a number of the UK’s top caravan insurance companies to save you searching all over the internet. This makes it easier for you to compare what each of these has to offer in terms of coverage and price, and to make sure you have a policy that meets both your needs, and your pockets. Price alone though should not be the overriding factor in choosing an insurance policy, making sure you have the right coverage is absolutely crucial. Don’t try to save a few extra pounds and expose yourself to the risk of losing a whole heap of cash down the line. Careful consideration should be given to what you need (and what you don’t need) when choosing a caravan insurance policy.

The UK has seen a great growth in caravanning over the last few years. The Staycation has become part of everyday language as the global economic crisis has bitten at our pockets. Allied with the falling exchange rate of the Pound against the Euro, this makes continental holidays a good deal more expensive.

The good news however that the UK has a whole load to offer holidaymakers. Camping and Caravanning sites have come a long way over the years. Facilities at the better sites are excellent, and many are very family friendly. The UK also has a lot more attractions than it used to have, which provide for excellent days out for families. It is also easy to forget that the UK is a beautiful country, the Highlands of Scotland and the Lake District (to name but two) are areas on natural outstanding beauty, that the majority of us British have never seen. And there are some beautiful beaches to be found, if you have never been to the Gower in South Wales then you have missed a treat.

Caravan insurance is not something you legally have to have to tow a caravan, but car insurance policies do not cover them. Therefore if something happens to the caravan you can find yourself deeply out of pocket. The UK caravan insurance market is definitely a buyers market given the competition that is driving down prices. You can push them down even more if you are willing to negotiate between companies, set them off against each other and challenge them to beat their rivals. You never know what you can get until you ask.

 

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Contents Insurance for Touring Caravans

Monday, April 30th, 2012

If you are in the market for insurance for your touring caravan it is important you understand just what you need. You may be thinking of just the caravan itself when looking around, but you should also be considering the contents of the caravan. Many owners don’t realise just how much the contents of their caravans along with the personal possessions they take away with them can be worth. Failing to consider this could be a very costly mistake in the unfortunate event that the caravan is burgled or damaged.

Many insurance companies provide contents cover as standard on their policies, but beware that you may find that some basic cover policies won’t include them. It is wise in these circumstances to pay the small additional price to add it to the policy.

Even having contents insurance itself is often not the whole answer, as many caravan insurance policies will have exclusions, generally for more expensive items like electrical gadgets and jewellery. It is important to check just what these are, and if required ensure that you get such items insured elsewhere.

As with all things it is well worth reading the small print to check there are no nasty surprises that may come back to bite you. Some effort up front can save a lot of heartache down the line. Here at caravan-insurance-cover.co.uk we are here to try to help you find the touring caravan insurance policy that is right for you, and to find it at the best price available.

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Specialist Caravan Insurance

Saturday, April 28th, 2012

Buying a caravan can be a large financial investment and as with any large investment you will want to protect your interests. This is where caravan insurance comes into play. To caravan newbies it can seem a daunting task finding the right insurance provider, but with a little knowledge it really doesn’t have to be that difficult.

Many people would naturally think of heading to one of the high street branded insurers, meaning that bigger is better. But this is not always going to be the case. True, many of the big names CAN offer you insurance cover for your caravan, but you may well find that the type of cover they offer is inadequate for your needs. You may also end up paying way over the odds, because they don’t specialise in the caravan market, and may not be able to meet your requirements for cover.

This is where the specialist caravan insurance providers come into their own. As they are specialist in the field they will understand your needs and help you get the cover you are after. As well you will find that the rates will tend to be more competitive, so you will be in a win-win situation.

So, how do you find the caravan insurance specialists? This is where www.caravan-insurance-cover.co.uk can help. We offer access to a selection of the best online providers, experts in their field, ready to help you find the right insurance, and even better at the right price. More than this, we also offer a wealth of information to make you forearmed to get the very best deal you can.

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Caravan Insurance Online – Time Well Spent

Thursday, April 26th, 2012

Canny caravan owners are spending longer searching for their caravan insurance online according to a recent poll. Leading insurers Safefguard asked 1500 customers and found that they have been spending an average of 5 hours online when looking for caravan insurance this year, compared to 3 1/2 at the same time last year.

With everyone feeling the financial squeeze these results are not surprising, with caravanners willing to look around to find the very best deal they can, at the very best price.

Rita Sadler, Safeguard manager says: “The credit crunch has meant customers are increasingly suffering from financial pressures so it’s no surprise that caravanners are spending more time searching out the best deals.”

“The increased use and availability of the internet has had a massive impact on the caravan and motorhome insurance industry. Owners can now get a quote anytime and anywhere.”

“Before purchasing insurance we would advise caravan owners to read through the policy thoroughly and make sure it’s the best cover for their circumstances as cheapest isn’t always best.”

This is advice we at caravan-insurance-cover.co.uk wholeheartedly support. Like most purchases in life, it is often a false economy to just buy the cheapest caravan insurance you can find. Inadequate cover could come back to haunt both you and your wallet.

It really is worth investing the time to find out what you need covered, what policies are suitable, and where you can find the cheapest of these suitable policies. This is where we hope our site can offer useful advice and a gateway to the online insurers to help smooth your journey, both on your holiday, and on the path to finding your insurance.

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Make Sense Of Static Caravan Insurance

Tuesday, April 24th, 2012

Have you ever consider buying a static caravan as a holiday home? They could be the perfect choice. Cheaper than a chalet or cottage, and yet laden with all the creature comforts you could want, and you can return to them again and again to enjoy that hard-earned break. There is also the opportunity to get a return on them by renting them out when you are not using them. If you were to do this though, you would need to ensure that you had a good static caravan insurance policy for your own peace of mind, and safety of pocket.

Static and touring caravans have somewhat differing requirements when it comes to insurance. For starters, as they remain on site you don’t have to consider the risks of the road. And theft of the caravans is pretty much unheard of, so that is another thing that is not required.

There are though other risks to be considered however. Theft of contents and belongings for instance, as you may leave valuables and/or electrical items there year round. So this should definitely be on the radar when considering insuring the caravan. Also there is the risk of accidental damage, particularly is the property is rented out.

Vandalism presents another possible issue, particularly as the caravan may remain unoccupied for periods of the time throughout the year. As does flooding, so it is important to know if the park is situated in a flood area (you can find this out at the Environment Agency’s website). You should also consider storm cover, because although infrequent, the UK can experience fairly damaging storms. And there is also the possibility of damage due to the winter cold weather, in particular fractured water pipes, that can do a good deal of damage especially if they are not attended to promptly.

There are a number of things to consider, but this should not put you off. With the right information you can find just the right static caravan insurance that you require. This is where caravan-insurance-cover.com can help you by providing this kind of information, and access to the best online providers of caravan insurance. If you get your insurance right, there is no reason why you can’t enjoy many years of wonderful holidaymaking in your static caravan.

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