Whether it is your first caravan or your twenty-first, if you need insurance you may now be looking to compare touring caravan insurance.
So what would you typically be looking for when you compare touring caravan insurance?
The cost of the premium is obviously important. It is not the be all and end all though because the actual cover provided is pretty important too and no two policies will be exactly the same.
So, you may wish to bear in mind that:
· not all features may be offered as standard across all policies; · there are likely to be terms and conditions attached to the policies.
Non-standard features
Not all caravan insurance policies provide the same levels of cover. So, for example;
some may include unlimited continental cover; other policies may restrict cover abroad to a certain number of days per year; others yet may provide cover for the UK only.Similarly, some policies may provide new for old replacement while others may offer only market value cover.
Your comparison needs to take these (and other) factors into account. The features that are best for someone else may not be best for you.
Terms and Conditions
You will typically find that your caravan cover insurance contains a number of conditions.
While some of these may, at first glance, seem a bit restrictive, they may in fact help you to keep your touring caravan that bit more secure.
These could include:
the use of hitchlocks and a wheel clamp to help make it harder for a thief to steal your caravan; fitting of approved security alarms and tracking devices; awnings cover being conditional upon it being stowed away when no one is in the caravan.Commonsense steps on your part can also make a difference to the safety of your caravan. So, for example, when your caravan is not in use it may be safer to park it in your driveway or garage rather than leave it on the public highway.
Risk assessment
Of course, in the end, only you can decide which policy offers the most appropriate caravan cover solution.
When you compare touring caravan insurance, if you are systematic in your approach, it may help you find the policy that most closely matches your requirements.
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