subject: Keeping Down the Cost of Your Caravan Insurance Quotes [print this page] Keeping Down the Cost of Your Caravan Insurance Quotes
Anyone owing a caravan needs to take out adequate caravan insurance to safeguard against the worst case scenario of total loss of the caravan. While this is an added expense if the worst should happen, you would not lose out financially as you have the policy to claim on. However, there are many ways you may be able to help yourself to keep down the cost of your caravan insurance quotes.
Taking out adequate insurance
Cost may be an important aspect of caravan insurance, however you also need to be sure that the policy you are considering provides the coverage you need. For instance it is all well and good jumping onto the first policy that comes your way only to find out that it does not include European cover for instance. You then have to add on this for extra cost which boosts up the premiums. Work out exactly what you need for your caravan before looking for caravan insurance quotes.
For peace of mind you will want protection against fire, theft, vandalism, storm and flood, third party liability, European cover if you own a touring caravan and travel outside of the UK and adequate cover for the contents of your caravan. When working out how much insurance to take, make sure you take an inventory of the fittings and furnishings along with your belongings, gas bottles, steps and awnings along with the value of the caravan itself. This is the sum you insure for in case the worst happens and your caravan is destroyed or stolen.
Keeping down the cost of insurance premiums
There are numerous things you can do before applying for insurance to help you keep down the cost of the caravan insurance quotes.
Become a member of one of the recognised caravan clubs in the UK - if you become a member of a club you are seen to be more a conscientious owner and as such insurance companies may reward you with a discount on your insurance. The same may apply if you have been driving for many years and have no claims on your insurance.
Improve the security on your caravan - installing good quality alarm systems, a hitchlock, wheel clamp or security lighting may all help you to save on your caravan insurance. Theft is a big concern for insurance providers so the securer your caravan is the better.
Offer to pay a higher excess on your insurance policy - all insurance policies comes with a certain amount of excess. This is part of the money you have to pay towards a claim if you make one. You can offer to pay a higher sum and this could help to bring your caravan insurance quotes down a little. However when considering paying out more by way of excess you do have to consider the fact that if a claim is made you are liable for the excess and have to pay it in a lump sum. However if you do not claim on the insurance you have saved yourself some money.
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