Top Tips for Touring & Static Caravan Insurance
by: Carl Way
Date: Sun, 9 May 2010 Time: 12:48 PM
Caravan insurance is not always straightforward, not getting the proper cover or not getting enough cover could leave you short if you ever had to claim. Your caravan is a valuable investment and should be treated accordingly when its time to renew or take out caravan insurance. If you are thinking about insuring your caravan, it is important to understand exactly what your needs may be, how much and what cover you need.
Depending upon what you want to do with your caravan your insurance needs may differ, you may rent it out, or take it touring. You may choose to totally cover your caravan with fully comprehensive, or just go for the basic third party fire and theft insurance. Dont be fooled by just going for the cheapest, as the cheapest is not always the best, base your decision on the coverage.
As static caravans are unlived in at least some part of the year, they should be protected against break in and vandalism. You will want to install an alarm system, smoke alarms, and locks on the doors of static caravans to help reduce your premiums. If you have a static caravan, you should ensure that it is at a secure site (for instance, walled with floodlighting), both to reduce costs, and risk of claims.
To make sure that you are not on the end of any unexpected shocks when taking your touring caravan to Europe, make sure that you are properly covered. Most caravan insurance policies will cover your for a certain number of days in Europe, although some do not. If you are going to the mainland of Europe make sure you get it right, as you dont want to spoil your great holiday in this very popular caravanning spot.
It is vital that you take out your magnifying glass and read the fine detail of any caravan insurance policy before you take it out, you dont want any surprises later on. There are different limits to paying out on items and they vary between providers quite a bit, make sure you have decent coverage. Shop around and compare what each company provides, as with anything it pays to look around beforehand.
In these testing economic times, caravan holidays are becoming an ever popular way of getting a value for holiday. Younger families are uncovering the fun (and savings) that a caravan holiday can provide. Caravans are now the king of holidays, replacing Spain as the top holiday spot for us Brits.
About the Author
Carl Way is a founder of Caravan Insurance Cover, the UK's premier website to compare caravan insurance.
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