Not all caravan insurances are alike. Some caravan insurance companies offer “discount” insurance. When compared to insurance policies from other companies whose prices are the same but whose coverage is more comprehensive, these “discount” policies are no discount at all! You also must be sure to get the coverage that suits the use you will be putting your caravan to. There are several types of insurance for caravans, each one tailor-made for a specific use.
First there is touring caravan insurance. This is for caravans that are kept in a storage facility for much of the year and only used on the road for holidays. If you are seeking this type of insurance, be sure that you are covered for touring continental Europe as well as the UK if you intend to travel on the continent. Also check to see what the maximum amount of time per trip and per year your touring insurance covers you for.
Since your touring caravan will be in storage for much of the year, you must carefully consider where it will be stored and how that will affect your insurance cost. Many insurance companies will not even offer insurance for stored or touring caravans unless prohibitively expensive security measures are taken. Others put a high price tag on the risk of theft. One company that does not is Club Care Caravan Insurance. They may put a higher excess (the amount you must pay in case of theft) on higher risk storage facilities or other risk factors, but they will not charge you more for your insurance. In other words, they will share the risk with you!
Another type of insurance is called “static” insurance. This is for on-site caravans and park homes. If you are seeking this type of insurance, be sure that the company covers you for all types of damage and destruction, natural and human. Club Care Insurance, for instance, provides coverage for a wide range of eventualities and even offers up to £5 million in Public Liability Coverage. This is truly comprehensive coverage!
We have only touched on a few points about caravan insurance in this brief article. If you want to know more, the Club Care Insurance website goes into detail about all the different types of insurance for caravans. Be sure to read the “fine print” on other insurance websites. Are they as comprehensive as Club Care? Do they offer equal value for money? Think about the contents of your caravan as well. Do other insurance companies offer as generous remuneration for stolen or damaged contents as Club Care does? Take a little Care and choose the best caravan insurance that money can buy.
Source: http://www.ArticlePros.com/author.php?Stuart Craig
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