Posts Tagged ‘caravan’

Touring Caravan Insurance Thoughts

Thursday, September 2nd, 2010

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.

Contents Insurance for Touring Caravans

Thursday, August 26th, 2010

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.

Specialist Caravan Insurance

Wednesday, August 25th, 2010

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.

Make Sense Of Static Caravan Insurance

Saturday, August 21st, 2010

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.

Caravan Insurance Online - Time Well Spent

Friday, August 20th, 2010

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.

Touring Caravan Insurance Makes Sense

Friday, August 20th, 2010

On those lists of ‘things to do’ should be going on a touring caravan holiday. Many people who have tried it once are converted, and will start looking to get a caravan of their own. However, it is important to understand that if you want to get the best from your holiday, you need to make sure you have taken out touring caravan insurance.

Caravans are a substantial investment and insurance is important to ensure you are protecting yourself. You could find yourself deeply out of pocket in the event that your caravan is damaged beyond repair or stolen while you are away. Caravan theft is unfortunately an all too common thing, with over 3000 being stolen each year.

Having a fully comprehensive policy can seem an expensive luxury, that is until the day arrives when you need to claim. In such an unfortunate circumstance you with be thanking your lucky stars that you had the foresight to protect yourself. Fortunately there are ways in which you can reduce your premiums, the easiest being to get decent security devices.

You will find that you have to have a certain amount of security before being accepted for most touring caravan insurance policies,  normally a hitchlock and/or a wheel clamp. This will offer both yourselves and your insurers some peace of mind. And the more security you add, the lower will be your perceived risk to insurers, and the real risk that you are likely to claim. Bear in mind that security will only offer you a certain amount of price reduction on the policy however.

Another option is to install an alarm on the caravan, as this will attract discounts also. There are also satellite tracking devices available, which have an excellent record for retrieval of stolen caravans. This can be costly, but they can offer a substantial discount, and will act as a great deterrent to a great many thieves who realise their effectiveness.

You don’t need to break the bank to get a decent touring caravan insurance policy, but you could break it if you don’t cover yourself. And if you investigate and take necessary precautions, you can save  yourself a decent amount of money.

More Caravan Security Tips

Wednesday, August 18th, 2010

Caravan Insurance is something you definitely should get if you own a caravan. A caravan is a valuable asset, and you could find yourself very out of pocket if you don’t insure it adequately. Caravan insurance provides protection if your caravan is stolen or damaged, however there are a number of ways you can stop this occurring.

It’s a sobering thought that there are in the region of three thousand caravans stolen in the United Kingdom each year, and with the increasing popularity of staying in the UK for a holiday and the resulting increase in caravan ownership and holidays, this figure can only be expected to go higher. Caravan owners should make sure they have the best security they can to deter thieves. Following is a list of 10 of the most effective ways to protect your caravan, taken as a whole they add up to a formidable deterrent.

  1. Security posts are an effective deterrent for people who park their caravan on the front drive of their home. These help stop thieves from taking the caravan from the drive, because they are concreted into the ground. Some posts come equipped with a towball on top that you hitch-lock the caravan to, and others can be either detachable or foldable to allow the caravan to move in and out of your driveway.
  2. Hitch locks are a useful device in providing some degree of protection against the opportunist thief. You should make sure it is manufactured of heavy steel that will cover the tow socket fixing bolts, and also has a very strong lock. Bear in mind that on their own though, they don’t offer an adequate level of protection for when the caravan is in storage.
  3. Wheel clamps are another option. Wheel clamps come in a range of qualities, but a useful rule of thumb is that by and large the easier they are to put on, then the easier they are for a thief to take off. So you need to make sure that you invest in a good clamp and also ensure that it is correct for your caravan. It is worth noting that some wheel clamps that are available on the market will allow a clever thief to take off both the wheel and the clamp in one go, so don’t get one of these.
  4. Another useful security measure is to etch either your caravan’s chassis number or your postal code on all of the caravan windows, and also several covert places inside the van. Instead you could just use a fibre-tipped pen on plywood inside a cupboard and under the beds, as this is almost impossible to remove. Even more ingeniously, you can instead use an ultra violet pen.
  5. Another useful deterrent is wheel stands. However, don’t underestimate the tenacity of a determined caravan thief, as this on their own won’t be likely to prevent them. You should ensure they are locked in place, and you should also check that your insurers are happy with you doing this, as some policies require wheel clamps to be used. You should also check your handbook, as many caravan manufacturers recommend that axle stands are used for winter storage.
  6. You should also take plenty of photos of your caravan, in particular any particularly defining features it may have. These photos can help you identify your caravan in the event that it is pinched.
  7. You could use some large stick-on characters or paint a number or code specific to you on the roof of your caravan. For instance you can use any number that is known only to you, or perhaps a parto f the caravan’s serial number. This may be extremely useful in the event that the caravan is pinched as it makes it easily identifiable from helicopters and light airplanes that the police use nowadays.
  8. There are a number of companies around that provide a service that entails embedding a microchip into your caravan. These microchips can then be identified using a scanner. Most vans made from 1998 will have datatags installed as standard. All previous CRiS (’Caravan Registration and Identification Scheme) registered vans can have retrospectively fitted datatags. Bear in mind that there is a bit of a flaw to these schemes though, in there exists no centralised network of scanners available to track down these stolen vans.
  9. Another choice is a tracking system scheme, which involves the installation of a transmitter which is hidden about the caravan. In the event of the caravan being pinched the transmitter will send out a signal to help the police to find the caravan. There have been a number of good results using this scheme. However there exist a couple of issues when it comes to caravans (rather than cars or motorcaravans), the first is that the transmitter needs battery power in order to send out a signal, and the second is that the transmitter is only activated once the caravan has been reported as stolen. These issues present a difficulty if your caravan is in long-term storage, and only visited infrequently.
  10. You should unquestionably make a note of the chassis number of your caravan, and if it is registered with CRiS, you should keep the registration documents in a safe location away from the caravan. Other important information should also be noted and stored in this secure location.

The greater number of these ideas you implement, the more likely it is that your caravan won’t get pinched at all, and also, should it get stolen, that it will be returned to you.

But also, of course, make sure you have the right caravan insurance for your touring caravan.

Initiative to Improve Caravan Security

Saturday, August 14th, 2010

Those industrious folks down at Towergate Bakers are at it again, coming up with initiatives to push forward the uk caravan insurance market. Following on from their recent Green caravan insurance initiative comes another idea, providing the new Datatag caravan security system as part of their Select and Economy insurance polices on caravans worth over £10,000.

Datatag are Europe’s leading asset marking company, and have been providing asset protection within the Watercraft , Motorcycle and Construction industries for a number of years. They work with Police Authorities to try reduce crime and increase conviction rates. This has led to a big decrease in thefts wherever the Datatag system is used. Indeed they proudly boast that the Crown Prosecution Service have 100% success rate of prosecution in cases where Datatag evidence is used!

The system is the only system with the Thatcham seal of approval. Thatcham is a not-for-profit organisation that tests vehicle security systems and is very highly regarded in the market.

The Datatag systems consists of a number of elements:

  • Electronic transponders which have a unique identification code that can be read by a hand-held scanner used Police Forces in the UK.
  • Datadot microdots which enable you to mark all valuable items
  • DatatagDNA which is a unique forensic chemical DNA etching solution
  • ID labels that have unique ID numbers

These components add up to make your caravan ‘too-hot-to-handle’ for the professional thief.

The Marketing Director of Towergate Bakers, Paul Havenhand, enthused about the system calling it “a great piece of kit,” and hopes that this initiative will “reduce the number of stolen caravans, leading to lower premiums overall.” We do hope so Paul.

They are running this campaign in August, but hope to extend it, and will be running an advertising campaign to raise awareness of the device.

And the beauty of this is that the Datatag system will be saving you money on your caravan insurance in years to come, as it attracts a policy discount.

Online Caravan Insurance Quotes

Monday, August 2nd, 2010

Why are online caravan insurance quotes cheaper?

Reason #1:

The main reason is the reduction of overheads by the insurance companies. They don’t need someone to answer the phone, or punch in the numbers, or close the sale. All they need is a website that once it is up and running can happily tick along on its own with a minimum of intervention (except when the pesky things go down!).

Reason #2:

The other reason online caravan insurance quotes are cheaper is because of the competition. The internet has lowered the bar for entry into the market, meaning more providers are out there wanting your business. The internet also makes it easy to get comparative quotes, so it is a ‘cut-prices-or-die’ scenario for those in the game. If you keep your costs high you will not survive in the market as you will lose your business to those willing to cover caravans for less.

This is of course great news for the clued-up caravan owner, who knows they can shop around to find themselves the best deal. This can amount to a hefty cash saving, one you can use to enjoy yourself!

www.caravan-insurance-cover.co.uk is here to help you find the best quote by providing you with information from, and access to, the best caravan insurers out there. The site has a variety of articles to point you in the right direction as to how to save money, how to make your caravan more secure, and a number of other useful subjects. There are also links to the best caravan insurance companies on the market, making it easy for you to find the right quote.

Thankfully the dark old days of looking through the Yellow Pages, phoning a few companies and having to talk right through your details to each of them have gone.

Of course you should always shop around, and make sure you get several online caravan insurance quotes to make sure you are getting the absolute best price out there. But bear in mind that cheapest does not necessarily mean best, you need to make sure that the cover is right for you. Again the internet is great in that it makes it easy to find out exactly what you are getting as the key-facts and terms and conditions documents are available.

So to make sure you get the right caravan insurance policy make the most of the great resources available on the internet. You will save yourself a good deal of time and money.

Comparing Caravan Insurance Online

Monday, August 2nd, 2010

Back in the information ‘dark ages’ it used to be nigh on impossible to find the right caravan insurance. There were  few companies in the market, and the process of comparing their insurance was time consuming and difficult. Thankfully, in these ‘connected’ days it is easier than ever to compare caravan insurance, as the number of online caravan insurers has blossomed.

You will find there are more specialist caravan insurers arriving on the scene all the time. And you will save yourself a huge amount of hassle by using their online quote facilities. It’s no longer the case that you have to call each of them up to get a quote, now it’s just a case of filling in a form on their site, and off you go. This makes it easy to collect multiple quotes.

It is important to make  sure you do compare caravan insurance quotes. It is tempting just to take the first insurance policy that seems reasonable, but you could find the same thing elsewhere for a substantial reduction if you are willing to put in that extra bit of effort. This is where comparison sites come in especially useful, as you find links to multiple insurers in one place. This is where www.caravan-insurance-cover.co.uk comes in.

It is very much worth making that extra effort to find the right caravan insurance, and with the comparison sites, this has never been an easier task. Out there is the right caravan insurance for you, and these days finding it has become far less stressful and time consuming than in the past.