If you are looking for caravan insurance for your static or touring caravan then you may probably concentrate on finding the lowest premiums. However, you might also wish to take some time looking into the caravan insurance company themselves and the benefits and features they offer.
While a typical caravan insurance policy consists of many of the same benefits, some insurance companies may give better value for money. For instance, when taking out a policy that includes European cover you may wish to compare how many days coverage you get in your policy. Providers offer European insurance based on so many days out of the year and some may offer more than others, which if you travel around Europe a lot, is better value for money.
New for old cover
Some caravan insurance providers offer new for old coverage on contents and belongings that have been ruined, destroyed, or stolen by an insured risk, whilst others may consider wear and tear. This will affect how much money you will get back in the event of a claim. Protection, which includes new for old cover, is typically dearer in premiums but of course, the benefit is that your contents are replaced by the insurance provider as brand new.
Your obligations
A caravan insurance company may typically have criteria that has to be met in order for you to be covered by their caravan insurance policy. For instance, they may require that your caravan has to have certain security requirements met. Installing a hitchlock on your touring caravan may be required if leaving it unattended and both a hitchlock and a wheel clamp may be needed to secure your caravan if it is detached.
Finally, look into how long the caravan insurance company has been in business as a policy is only as good as the company offering it. The longer the company has been in business the more reliable they may prove to be. After all, you do not want to pay for cover only to find that if a claim has to be made the company has gone out of business or offers a poor service.
