Posts Tagged ‘cheap’

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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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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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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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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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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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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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Cheaper Static Caravan Insurance Policies

Wednesday, March 7th, 2012

Finding the right insurance for a static caravan can prevent a number of issues, especially if you are trying to tighten your pursestrings. It is important that you have an adequate level of cover to protect yourself, but at the same time you want to make sure that you’re not paying more for it than you need to. Trying to find the right insurance can be a bit of a pain, but it really doesn’t have to be.  A few simple tips can help you do this the right way, making it straightforward for you to find static caravan insurance that is cheap, and also importantly matches your needs.

First up, have a good look at your current caravan insurance policy, dig down into the detail to identify what in fact you are getting. Perhaps there are elements that you don’t need, or maybe a lower level of cover, and perhaps you may realise there are som things that are not covered that you thought were! Look at ways you can trim the policy down a bit. Another option here is to increase your excess, as this is one of the easiest ways to cut premiums. However this should be approached sensibly, because if you make your excess too high, you could find yourself unable to cover their costs in the event you need to claim.

One of the very best ideas to getting anything cheaper is to make sure you shop around, this is as true for caravan insurance as for anything. If you are in need of a new policy in the near future make sure you use a comparison site. This is the premier way of saving yourself money on your insurance. By comparing what companies offer, and their prices, you are sure to find a good deal that gives you the cover you need, but at a reasonable price.

Another, more old-fashioned way of saving money is simply to haggle. You can get online quotes, but there is nothing to stop you then getting on the phone and speaking directly to them. In these difficult times companies are desperate for our business, and therefore often more flexible on price, especially if you are switching to them from another insurer. Nothing ventured, nothing gained they say, and you could get a decent discout if you do this.  If you put these ideas together and put a little time into the process you will be able to find yourself a cheaper static caravan insurance policy than you have now, that offers as good, if not better cover.

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Cheap Touring Caravan Insurance Policies

Sunday, February 19th, 2012

We all know that times are tough, and we’re all looking for ways of tightening our belts by cutting down on the unecessary expenditures we face. Insurance is one thing that is often a prime candidate for savings, and with a little effort it should be achievable, so if you own a touring caravan, how do you go about finding cheap touring caravan insurance?

First up, shop around, we all know we need to do it, but we don’t always make the effort. But you need to take the time to research the market before you decide which policy you want, and there is always the option to haggle with the insurers to see if they are willing to improve their prices. There may be additional discounts on offer also, for instance discounts for new policy holders. The best way to achieve this is by using the internet, which will offer you the quickest way to do this research. Indeed the internet offers a wealth of information to assist you finding the cheapest insurance policy.

There are other ways to cut down the cost of your insurance, the foremost of these is to increase your excess, which will reduce your premiums. This needs to be done realistically though, by making sure you can afford the excess level you choose, otherwise you are falling into false economy, where you are not adequately protected, but still paying for it. Another option is to increase the security measures you take. Some devices such as hitchlocks are mandatory with most policies, but you can add other things to reduce the risk and in turn the premiums. Burglar alarms and satellite tracking devices are other options for cutting premium costs, however there is a limit to how much such devices can save.

These are just some of the ways you get cheaper touring caravan insurance. There are various sites around that can help you get the best deal, not least here a caravan-insurance-cover.co.uk, where we provide a wealth of information and links to online providers. So have a look around the site to make sure you get cheap touring caravan insurance.

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Saving Money On Your Caravan Insurance: Tip 5

Monday, February 13th, 2012

In the fifth of our series on ways to get cheaper caravan insurance we look at caravan clubs.

There are several caravan clubs you can join, the major ones being the Caravan Club and the Camping and Caravanning Club. And the great thing about being a member of these clubs is that you will find many caravan insurance companies will offer you discounts on you caravan insurance premiums.

If you are wondering why this is, it is because membership of these clubs is a good indicator that you are serious about your caravanning, and take security and safety seriously. As a result of this you will present a lesser risk, and thus a better bet for the caravan insurers. These are exactly the type of people that caravan insurers like to protect.

Membership of these clubs starts at around £40, and benefits extend beyond just getting money off of your insurance. For instance Caravan Club membership pays for itself in just 5 nights at a site with pitch fees savings offered at club sites. So all in all membership makes excellent sense, and not only because of the caravan insurance premiums.

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