Beginners Guide To Cheaper Caravan Insurance
How do you find the right caravan insurance for your touring caravan
? In any caravan magazine, you"ll find up to 30 insurance companies plying their trade. It is worth shopping around, but what makes a difference to the amount you pay? Using a specialist insurer like Shield Total Insurance means that you"ll be dealing with knowledgeable and friendly staff. We deal with thousands of claims for accidents, damage and theft. Here are some tips to help you get the best deal on your caravan insurance.Check you have the level of cover you need. Your car insurance only covers your third party liability, not the caravan or its contents. Good insurers will allow you to alter things like continental use, personal accident and public liability limits and with premiums starting from only 49 it may not be as costly as you think!
Caravan insurance falls into three categories: "New for Old" gives you a like-for-like replacement caravan usually for up to 5 years old. With "market value" your caravan is insured based on its current market value. "Guaranteed value" allows you to agree an amount that the insurer will pay should it be stolen or written off.
Careful caravanners can secure premium savings of up to 60%. Make sure to check that the % discounts quoted are applied cumulatively so you get the true benefit of the stated discount(s).
Safety and security devices such as Tyron safety bands, AL-KO secure wheel locks, factory-fitted alarms and GPS tracking devices should be rewarded with generous discounts, as they reduce the likelihood of loss or damage.
Up to 25% no claims discount is usually available for "4 or more claim free years" caravanning. Does your insurer offer you the opportunity to protect your no claims discount?
If you are a National, Regional or Owners Caravan Club member, many specialist insurers offer a discount of up to 10%, given that as an enthusiast you generally take better care than others.
Where you keep your caravan can have a considerable impact on your insurance premium. Home is not the safest place unless you invest heavily in extra security, particularly as it advertises when you"re away! Up to 48% of caravan thefts occur from home. Check whether your insurer recognises "Caravan Storage Site Owners" Association" (CASSOA) approved secure storage sites. If they do, you could qualify for a discount of up to 25% as the risk of caravan theft is significantly reduced.
Are you paying for cover abroad that you don"t need? Have you got enough cover if you are touring in Europe for longer periods? Better insurers will allow you to flex the cover from "UK only" to up to 365 days in continental Europe.
Check for UK-based claims handling teams. The only time you truly know whether your insurer is any good is at the time of a claim, so speak to friends to get their experiences.
A specialist insurance provider should offer a full quote and buy online facility. This makes the quote process quicker and allows you to tailor the cover to your needs without pressure.
See how much you could save on your Caravan Insurance today.
by: Iain Macdonald Benefits of Auto Window Tinting Tips On Bad Credit Auto Refinance Research Report On Chinese Auto 4s Shops, 2010-2011 ----aarkstore Enterprise How to Discover the Best Car Insurance Quotes Business Auto Loan Those Who Advertize Cheap Auto Loans Often Mean Just The Opposite What One Should Pay Attention To Before The Apply For Auto Loans Some Facts About Auto Insurance Basics Benefits Of Auto Refinance How Much Should My Static Caravan Be Insured For? Guide On How To Compare Auto Insurance Rates Car Rentals Gold Coast To Feel The Magic Of The City Find Cheap Auto Insurance For Young Drivers