Caravan insurance comparisons aren’t always that easy. The terminology can differ between insurance companies as can the way they lay out their caravan insurance quotations.
It may also be advisable to think twice before assuming that the cheapest is necessarily the best.
Insurance, by definition, exists to offer you protection. Having the cheapest policy may not be of much comfort if you suffer a problem only to find that it is not covered.
If you examine caravan insurance policies systematically though, comparisons are possible.
The risks covered
This will vary depending upon the type of caravan you are insuring. Obviously it will differ significantly between a tourer and a motorhome.
Typically all policies will outline the general types of risk you’re insured for. Of course, in the case of a claim, any insurer will reserve the right to examine the claim to see if it is covered by an insured risk.
In the case of caravans, it might be useful to examine the cover offered under:
- contents cover – what is insured and what isn’t;
- new for old or market value replacement;
- interior fittings and fixtures;
- exterior ancillaries and accessories.
Conditions and exclusions
Any caravan insurance comparisons should look closely at this area.
All insurance policies will contain conditions and some are typically found in many policies such as:
- the need to stow external accessories such as awnings when you’re away from the caravan;
- only parking static caravans on approved and secure sites plus ensuring that their water systems are drained down when unoccupied in the colder months;
- the mandatory use of hitch locks and wheel clamps.
However, it is advisable to check all conditions and exclusions carefully to ensure that they meet your requirements and this will also allow you to compare them between policies.
Discounts
As a final tip – remember that virtually all insurers will offer various forms of premium reductions for certain circumstances such as being a member of a recognised caravan owners’ club.
You can look at these offers across policies and see just how they may affect your premiums.
So caravan insurance comparisons are possible. You just have to work at it and it may be financially worthwhile!
