Insurance costs money – there’s no hiding the fact. For most, before spending money of any kind, it is normally a good idea to check that the money is going to get what’s suitable. In the case of caravan insurance, the caravan insurance broker may help you achieve that.
Caravan insurance
Caravanning is an increasingly popular leisure activity but the term ‘caravan’ is often loosely applied to three very different types of outdoor leisure vehicle.
There is the traditional tourer caravan. Usually towed behind a vehicle and unhitched on sites to provide a ‘home base’ while you’re out-and-about exploring the area.
The second is the ‘static caravan’. These are technically mobile but are typically permanently or semi-permanently located on one site and sometimes used as second homes.
Finally there is the motorhome. These are the large integral vans that have a fixed residency area at the rear and are used for more mobile touring.
All three types of vehicle have specific needs in terms of insurance and understanding what’s required isn’t always easy. That’s where the caravan insurance specialists may come into their own.
The insurance broker
If you’re looking for suitable and cost-effective caravan insurance, the caravan insurance broker isn’t tied into any one insurance company and can often provide useful information on buying caravan cover as well as give access to online caravan insurance specialists. .
Clarifying the key conditions
Like all insurance, caravan cover will offer protection against various misfortunes but it will also bring with it certain conditions. In order to avoid putting your cover at risk, it’s important to understand and comply with these conditions.
These need to be examined on a policy-by-policy basis but just a random selection of things to note include:
- unhitched tourer caravans typically require both a hitchlock and wheel clamp;
- awnings are often covered under a separate schedule of the main policy and typically it will be necessary to ensure that they’re closed when the vehicle is unoccupied;
- using motorhomes for commuting typically may invalidate your insurance cover;
- the fitting of additional door and window locks and tracking devices may be mandatory with some caravan insurance cover policies.
One of the jobs of the caravan insurance broker is to help clarify these points to you in terms of how they may relate to a given policy and your particular vehicle. The message may be that ‘cheapest’ is not necessarily the same things as ‘suitable’.
Using the services of an online caravan insurance specialist may be able to help you find a range of options and ultimately help steer you towards an appropriate solution. Browsing through their sites may be time well spent if you’re serious about both increasing your choices and securing peace of mind.
