Posts Tagged ‘online’

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.

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.

Caravan Security Tips

Tuesday, July 27th, 2010

It is a sobering thought that there are around three thousand caravans stolen annually in the United Kingdom. This number is likely to rise given the increasing popularity of caravanning and the ’staycation’ that the credit crunch has brought about. A caravan is a valuable asset and owners would be very wise to take as many security precautions as they reasonably can.

Of course even these don’t offer a foolproof guarantee that your caravan will not be stolen, so it is important to ensure that you have the right insurance policy to suit your needs, and here at www.caravan-insurance-online.co.uk we aim to provide you with the tools to find the right caravan insurance online.

Below is a list of a number of the best ways of both protecting your caravan from theft, and identifying it in the event of theft. I hope you find them of some use.

At the cheaper end of the scale, there are a number of low-cost measures you can implement:

  • Keep a record your caravan’s chassis number. Write it down somewhere and store it away somewhere in a safe place, along with any other relevant documents (for instance any ‘Caravan Registration and Identification Scheme’ (CRiS) registration documents).
  • Use either an ultra-violet pen or a permanent marker to mark a code unique to you inside the caravan. You could use either the chassis number or your postcode as this code. A particularly good place for this is any plywood that is hidden away (in a cupboard, or under the bed for instance), as it is nigh on impossible to remove pen from these surfaces.
  • Take some photographs of your caravan, as these can come in particularly handy in the event that you need to identify your caravan should it be stolen. Be sure especially to take photos of any defining features of the ‘van.
  • As police constabularies use helicopter and airplanes these days, a great way of helping to recover your caravan is to put a unique number on top of the caravan in large bold letters, enabling it to be spotted from high in the air. This can be achieved with a good old can of paint, or you could buy some large adhesive characters. Use either a part of your chassis number, or another number specific to you, again your post code is a suggestion.

Moving on to some more expensive options:

  • Having a microchip embedded into your caravan is one option. The microchip is then identified by using a scanner, proving the caravan is yours. Since 1998, most caravans have been fitted with a datatag, and for caravans older than that that are CRiS it is possible to have one retrospectively fitted. There is no centralised network of scanners for these tags though, which is something of a weak point of the system.
  • I mentioned earlier about writing a unique code inside your caravan using felt-tip pen. Even more effective that that is to have the code etched onto all the windows of the caravan. It is a good idea to also have the same etched in a few hidden away places inside the caravan too.
  • Tracking systems are another good way of protecting your caravan. A transmitter is secreted about the caravan, and if the caravan is stolen the system is activated, and it sends out a signal which can then be tracked enabling the caravan to be located. There is a drawback with these when used with caravans in that they only activate one the vehicle is reported stolen. But if the caravan is in storage, it may only be visited infrequently, and the chances are that the caravan will be long gone by that time.
  • If you keep your caravan on your drive at home, a good idea is to install a security post. These will help to stop anyone taking the caravan from your drive. They are cemented into the ground, and the caravan is hitch-locked to a towball on top of the post. They are either foldable or detachable to allow the caravan to be removed from the drive, and provide a good deterrent to thieves.
  • Hitch locks are a widely used and very useful device for providing protection against the opportunist thief. Ensure that it is manufactured from heavy steel to cover the tow socket fixing bolts, and also that it has a strong lock. This alone though does not provide sufficient protection for a caravan whilst it is in storage.
  • Wheel clamps are another popular form of security. But as with most things, there are good ones and there are bad ones. Common sense states that if they are easy to put on, then they are probably going to easy to remove. So you want to make certain that you have a good clamp, one that correctly fits your caravan. Something to note is that there are some on the market that allow a clever thief to remove the clamp along with the wheel, so be careful to avoid these.
  • Another option is wheel stands, these enable you to remove the wheels of the caravan thus rendering it (theoretically) immovable. You should check your insurance policy first though as some require that wheel clamps are fitted. You may also find that the caravan manufacturer recommends these for winter storage, check the handbook for this information.

Of course, the more of these you implement the greater the security you are providing for your caravan, but there is no excuse for not implementing at least the cheaper forms of security. And of course there is no substitute for a good insurance policy, so even if all of these measures fail you can rest assured that you will not end up out of pocket.

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

Wednesday, July 14th, 2010

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.

Responsible Caravan Towing

Thursday, June 24th, 2010

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.

Online Green Caravan Insurance Policies Have Arrived

Friday, June 18th, 2010

Online caravan insurance providers Towergate Bakers have announced plans of a new range of ‘Green’ caravan insurance polices that will allow their customers to offset their carbon emissions they produce on their caravan holidays.

They have teamed up with world leading carbon consulting and carbon offsetting business The Carbon Neutral Company to produce the policies, which will be available from September 2009. They will not be charging extra for these policies as they plan to make these policies available online only, and will use the savings made on postage and processing to pay for the carbon offsetting.

The average amount of carbon produced each year from towing a caravan will be offset by investing in projects such as forestry projects, and renewable energy projects (wave, biomass, wind).

This is very much in line with a recent study that suggested that caravan owners are particularly environmentally-conscious, and with caravanning holiday numbers set to increase this summer to 14 million, this is a very timely and intelligent development. Bookings at caravan parks in the UK are up by about 25%, while passenger numbers at airports in the UK have slumped. The National Caravan Council believe that many new caravanners have changed from taking a  holiday in Europe, and the flight that often entails, choosing instead to stay in the UK. Meanwhile the more experienced caravanners are taking the now-well-established ’staycation’.

Green credentials are further enhanced when you consider that the average return flight to Europe produces somewhere between 250 and 500 kilos of carbon dioxide per person (of course depending on: how far you fly; the age of the plane; the type of the plane). This compares with the 38 kilos per person produced by 4 people in an average sized petrol car travelling 250 miles, towing a medium-sized caravan. If this were a diesel car, this amount would be even less.

The National Caravan Council gave their seal of approval to the project stating, their Director General John Lally: “We applaud this initiative from Towergate Bakers. More and more people are becoming “green savvy” and we’re delighted that caravanners who want to help fight climate change can now match their principles with their holidays.”

Towergate Bakers director Paul Havenhand commented: “We are proud to be leading the charge in carbon offsetting amongst the caravan community. With recent research indicating that people who go on caravan and camping holidays are indeed more likely to be environmentally aware, we feel it is a natural progression to offer a greener way of holidaying. Caravanners can continue to drive with a conscience and do their bit to help climate change.”

We at www.caravan-insurance-cover.co.uk also applaud this development and wish Towergate Bakers luck with this. Hopefully other insurance providers will follow their lead and such policies will become more widely available.

Static Caravan Insurance Online

Wednesday, June 16th, 2010

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.

Caravan Insurance and Security Guidance From Safeguard

Saturday, June 12th, 2010

Caravan InsuranceOnline Caravan Insurers Safeguard are advising drivers to remain on their guard despite a notorious gang of caravan thieves being taken off of the streets. Reckoned to be responsible for nearly half of the UK’s caravan thefts, the gang was recently convicted for their crimes.

Owners should be cautious not only of the organised gangs however, but aware of the threat the opportunistic caravan thief presents.

Safeguard manager Rita Sadler spoke of how pleased the company are that this gang have been stopped but warned that caravan owners “still need to be wary of the risks and take appropriate measures to ensure the security of their property.

“Organised crime rings often target larger, luxury models on a ’stolen to order’ basis. We find that the vehicles are at their most vulnerable when left unattended and unsecured, for example in driveways whilst owners are loading their caravans and also at motorway service stations.”

Sadler also spoke of the increasing sophistication used by caravan thieves, warning that “Locks and alarms are no longer a security guarantee.” Caravanners themselves need to start using more sophisticated forms of protection, like “specially designed tracking devices and mechanical devices such as wheel clamps can greatly reduce the risk of theft. As well as deterring thieves, security conscious caravan owners are likely to receive discounts on their insurance premiums.”

Safeguard themselves make the following recommendations to help protect your caravan:

  • make sure you install an approved alarm and tracking device
  • if you put your caravan in storage, ensure it is at a secure site approved by the Caravan Storage Site Owners Association (CaSSOA)
  • if you keep it on your driveway, ensure you have a locking gate or drive post
  • Make sure no valuables are left where they can be seen in your caravan
  • preferably ensure your caravan has audible security
  • bear in mind that wheel clamps are the absolute minimum requirement for insurance, and should be fitted at all times when the caravan is unattended.
  • Lock down the rear corner steadies of touring caravans with a good quality hitchlock. This will help prevent the front of the unit from being lifted onto a vehicle and taken away

It of course goes without saying that you need a good caravan insurance policy. No amount of security can fully protect you from a determined thief, and in the event that your caravan should get stolen, you should be able to rest assured that you have suitable cover to ensure you won’t be left out of pocket.

Guide to Touring Caravan Insurance

Thursday, June 10th, 2010

Caravan owners need to be sensible when considering touring caravan insurance, to avoid the risk of costing themselves money. It is very wise to cover the caravan, regardless of the fact that insurance is not a legal requirement. 3,000 caravans are stolen annually in the UK, a fact to make you stop and think. This article will point you in the right direction to make sure you are adequately protected should you have cause to claim.

Price and what the policy covers are the main aspects to consider when looking for caravan insurance. You may have a nasty shock that you are not covered for what you are expecting if you just buy the cheapest policy on offer. So before looking around for the best price, you need to know what coverage you actually require.

The best tip to saving money when buying touring caravan insurance is to use the internet. It is far easier to find the information you need when you are next looking for insurance by going online. There are a whole host of companies on the web ready to provide you with a wide choice of policies.

Shopping around is the way to make sure you get the best price, as with any shopping. You may well find that you end up paying over the odds if you don’t ask for quotes from several providers. Another great thing about buying a policy online is that there is almost always a discount provided. As mentioned earlier you should be aware of you require from a touring caravan insurance policy, as there are several elements to consider.

There are 2 main types of coverage, ‘market value’ and ‘new for old’, deciding which you want is one of the main choices. If you take out a ‘market value’ policy, and need to replace it you will be reimbursed to the amount that it would cost you to buy an equivalent caravan. This is often the only choice of policy available to owners of caravans older than about 5 years. If you have a ‘new for old’ policy and need to replace it, it will be replaced with a brand new caravan of the same (or equivalent) range.

Before deciding which policy you want you should consider if continental cover is something you are going to require. If you do take your caravan overseas you should ensure that you have cover for a long enough period, if you stay in the UK you needn’t buy continental cover. Check how much coverage there is as it can vary quite widely between different insurance policies.

You may well find that a variety of things are not included on the touring caravan insurance in terms of personal effects. It is worth checking your household insurance to see what it covers, as your jewellery will not be covered by the caravan policy. So you should be clear what is covered by the caravan insurance, what is covered by your household insurance, and anything else that you feel should be protected will require an additional insurance.

In the event that your caravan becomes damaged beyond being livable in you will need to find somewhere else to stay whilst away. Whilst a lot of policies will cover you for this, you should make sure that the coverage is enough.

When buying touring caravan insurance there are a number of ways of reducing the premiums. If you join a caravan club you will find that the insurers will reduce the amount they charge to insure the caravan. Things like axle locking devices, alarms and tracking devices, which provide added security are the other main way of reducing the cost.

Making sure you get the best price and the correct cover for your caravan requires some thought and research but is well worth it. You may end up with completely the wrong coverage at way over the odds in cost terms if you just buy the first policy you come across. So for peace of mind, spend a little time and effort when searching for insurance for your touring caravan.