So, another season's over and the caravan is sitting somewhere cold and lonely while you wait for the arrival of the spring. This is typically the time of year when some owners start to think about their caravan insurance and how they may be able to compare touring caravan insurance.
Here are a few tips that you may find useful.
· Don't put it off. It's too easy to let it drift from one day to another and then you'll be in spring again and too busy to bother.
You may be able to save money or improve your cover (possibly both) by conducting a structured caravan insurance comparison.
· Look at the contents cover. If you're trying to compare touring caravan insurance, looking at what policies offer on contents replacement may be useful.
Some policies may offer new-for-old replacement whereas others may only provide market value replacement.
· Discounts. Some insurers offer a range of discounts for things such as the use of additional security features (some many, in fact, even be mandatory), membership of an owners' club, reduced annual mileage estimates, not parking your caravan on the public road and so on.
Any individual item is unlikely to save you huge amounts of money but some providers may be more generous than others and taken together, those savings may mount up.
· Use mileage estimates - UK and overseas. Not all insurers operate on the same mileage break points and some may see overseas trips differently again.
Trying different scenarios here may illustrate some interesting differences between policy providers. So, try getting a quote for varying mileage estimates and days overseas and you may be surprised at the results.
· Compare those exclusions and terms. One thing you can be sure will generally be different between insurers is their terms and conditions.
Sometimes these may materially affect your policy and the probability of a successful outcome to any claim you may make.
For example, some policies may not cover external fittings to your caravan such as awnings and satellite dishes. Other policies may do although they may have conditions relating to needing to stow the awning when you're away from the caravan.
Reading and noting these is an important aspect of trying to compare touring caravan insurance.
· Price. Of course, it wouldn't be appropriate to ignore the question of cost but it might be worth keeping it in perspective. Your touring caravan is likely to be a fairly big chunk of your financial capital and putting it at risk by buying insurance simply because it's the cheapest, might not be a particularly great idea.
Looking at some of these areas might make the job of trying to compare touring caravan insurance just that little bit easier.
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