Insurance Caravan – Caravan UK

Taking the family on holiday with a caravan is an enticing prospect. You know from the start what your lodging accomadations consist of, along with the fact you can bring all the amenities of home with you. Perhaps the most difficult part is choosing a form of caravan insurance. Touring caravan insurance is provided by many different companies, but, how do you select the right provider for your needs? There are a few things to keep in mind when selecting this kind of coverage. The most important is that actual amount of coverage being purchased. You won’t want to have more or less service than necessary, since that may actually cost you money.

Many people choose to buy a used caravan, which could save them a lot of money. Getting touring caravan insurance coverage levels for higher amounts than necessary would be silly, right? Be honest about what your investment is worth, the costs of travel if it breaks down and the amount you can afford to budget for caravan insurance. Doing so could save you a bunch of money in the long term. Having inadequate levels of insurance could be just as costly if something actually were to happen, and you had to spend your own money to rectify the situation.

Touring caravan insurance is something that gives you peace of mind when traveling about. Costs can vary and you should make sure you’re well informed in regards to the options available. If you are going to be taking the motor home abroad over a ferry, you are likely going to be looking at a heftier premium coverage. That isn’t to say, however, that it isn’t worth the investment. Imagine if you were to be stranded with a broken down or damaged motor home in a foreign country without proper caravan insurance. The prospects of situation are bleak at best.

Your family will certainly appreciate knowing that they are covered in case of emergency by proper touring caravan insurance. The open road is alluring, and many people find the comfort of a motor home too appealing to ignore. Being safe and having proper coverage will allow you to freely go on holiday without the worries of unexpected problems. Get multiple quotes and carefully review each policy so that you get a deal that covers your needs, and won’t be breaking the bank at the same time.

When you have taken such care to choose the perfect holiday caravan or leisure lodge in a location that suits your needs, you want to have the best Static Caravan Insurance too. You need to know that you have the right policy and feel satisfied your Holiday Home is in safe hands if things go wrong. As one of the leading suppliers of caravan holiday home insurance, Shield Total Insurance have compiled a list of “hints and tips” that may be of use to Holiday Home Owners.

It is worth emphasising there is an alternative to arranging insurance through your park owner. You shouldn’t feel pressured into buying their Holiday Home Insurance. The practice is illegal, with the vast majority of park owners not being permitted by the Financial Services Authority to offer any insurance advice. The conditions of your park agreement may require proof of insurance to protect the park owner against the cost of removing any debris or to ensure protection for the public against any damage caused to them. However, the decision where you buy your insurance is yours.

Many insurance companies like Shield Total Insurance offer schemes for parks and direct to holiday home owners too. It is worth comparing quotes before committing. Remember even after buying a policy you are entitled to a 14 day “Cooling Off Period” when you can change your mind.

When searching for comprehensive Static Caravan Insurance, owners of holiday caravans should check their policy protects their holiday home against loss or damage by such causes as fire, storm or flood, theft, malicious acts or vandalism, subsidence and escape of water from any domestic water installation. It is also worth checking whether any outbuildings, steps, balconies, patios and skirting are covered by the policy.

Is the Static Caravan Insurance cover on a market value or new for old basis? What policy excess will apply? Am I covered for any debris removal and the re-siting costs if the holiday caravan is destroyed? Will the public liability cover be sufficient to meet the needs of the park? (Specialist insurers like ourselves can provide up to 5 Million cover where requested).

When comparing quotes on a “like for like” basis, look out for any extras that may be included such as loss of key cover and loss of use cover.

Who will handle any holiday home claims? It is preferable to use a provider that has a UK based, in house, specially trained claims handling team, with a 24 hour claims notification line available to all their policyholders.

Choosing Static Caravan Insurance is much easier now than it used to be, with both access to quote and full buy online facilities now being the norm. With prices starting from only 82.75 it is a small price to pay for complete peace of mind. Get a great deal on your Static Caravan Insurance today.

To know more about Static Caravan Insurance and buyers guide to static caravan insurance visit shieldtotalinsurance.co.uk/caravan-insurance

Although it is not a legal requirement, purchasing caravan insurance is recommended as each year a huge amount of caravans are stolen. Insurance not only covers you for theft, but storm damage and accidental damage. Here in this article we shall look at checklist of things that you should consider when looking into buying this type of insurance.

First of all when shopping for caravan insurance it is well worth seeing if you can get a discount with a Caravan club. Many members are often entitled to a discount through their club so it may be worth joining a club when you purchase your caravan. You can also make your insurance cheaper by purchasing alarms, tracking devices, secure storage and axle locking devices. Caravan owners that have never made a claim before on their insurance can also have further discounts so it is well worth finding out how you can lower the cost.

When also choosing your caravan insurance it is worth finding out what can be covered in terms of personal belongings. These are items that you take from your home and bring with you on your caravan holiday. Some of these can be covered on your policy but it is well worth checking first and then checking that these items are covered by your home policy should the caravan one not cover.

Some policies on the market do not offer storm damage for awnings, but caravan awnings can cost up to one thousand pounds so it is worth seeing if you have any cover. Not only that but you may want to find out if you will be eligible for emergency accommodation expenses, in the event that you have your caravan stolen or damaged whilst on holiday. These types of expenses will be able to ensure that you have somewhere to stay in this situation-so check if your policy offers that added security.

When you buy a caravan and are then planning on purchasing caravan insurance then it is a good idea to take some pictures of your new caravan. Take shots of both the interior and the exterior and if possible any unique or personalised parts. Should your caravan ever be stolen then you can provide the police with images of your caravan to help them identify it.

Lastly, remember that all of the security devices you purchase will probably be exposed to the elements and will deteriorate in time. Just keep an eye on your security devices as if you have your caravan is broken into and the alarm was broken, then you will not be covered with your caravan insurance.

Dom Donaldson is a caravan expert.
Find out more about Caravan Insurance and the services offered from NACO.

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