Trying to identify the cheapest caravan insurance isn’t as easy as it may sound.
Yes, it is possible to look at a long list of advertised prices and simply pick out the one that appears to be the cheapest – but it isn’t quite as simple as that!
The problem is, the advertised price is only indicative and the cost for your particular caravan, in your particular situation, may be different.
That means that to really understand the cost of a policy for your caravan, you’ll typically have to obtain a full quotation. Even there though, the difficulties don’t end.
The complexity is that some policies may offer scope for discounts in the event that you and your caravan meet certain criteria. These may vary significantly between caravan insurance providers and in the final analysis they may make a major difference in terms of what works out to be the cheapest caravan insurance.
For example, some policies may offer a reduced premium in circumstances such as:
- caravan club insurance membership discounts if you are a number of an owners’ club;
- in the case of mobile caravans, if your caravan is parked or stored off-road when not in use;
- if alarms and other security devices are used, thereby reducing the risks of thefts and burglary etc.;
- the use of formerly registered and approved storage sites for over-wintering;
- reducing your total estimated annual mileage;
- if you have a mobile caravan, restricting drivers to older and more experienced individuals (or even sole specified driver status) may also result in significantly reduced cost; etc.
Finally, do note that what’s cheap for one person may not be cheap for another and that’s something worth keeping in mind when you are looking for the cheapest caravan insurance.
