subject: 10 Steps For Finding The Ideal Caravan Insurance [print this page] If you're currently in a position where you require insurance for your caravan, going online is perhaps the best option out there, simply because there is just so much choice available online nowadays.
In fact, with so much to choose from, it's easy for the average person to feel overwhelmed, and for this reason we've listed ten simple steps you can take in order to find the type of cover you need.
Step 1:
Even though this may sound blatantly obvious, some people don't realise that there's a difference between touring caravan insurance and that which you would require for a static caravan. Additionally, many people also don't realise just how important it is to provide the insurance company with an accurate figure regarding the replacement value of their caravan. If you have any additional requirements, then these should also be discussed with the insurance company before you agree to anything, because if something should go wrong in the future, you want to know you're fully covered.
Step 2:
Caravan insurance is available in two forms. The first option you have would is what's known as 'new for old', while the second option is known as 'market value only'.
Step 3:
The chances are your caravan has been stocked out with various expensive commodities, and if it ever got stolen, those commodities would of course be gone as well. Depending on the value of the contents, you may want to consider having this type of cover included in your policy. You also need to verify what all is covered, in that there are usually several exclusions.
Step 4:
No matter how good a caravan insurance policy appears to be, always make absolutely certain you study the fine print very carefully. You need to make sure you understand the terms and conditions of your policy before you sign the contract. Remember, missing something in the fine print could end up causing you a great deal of heartache further down the line.
Step 5:
You can also save quite a bit of money on caravan insurance depending on how you intend to use your caravan. For example, do you intend using it every weekend, or will you only be using it on the odd occasion? The more time your caravan spends on the road, the more chance there is of it being involved in an accident, and that in turn means more risk as far as to the insurance companies are concerned.
Step 6:
Many caravan owners also choose to have breakdown cover included in their policy. Remember, if you don't have this included, and your caravan breaks down next to the side of the road in some remote part of the country, it could end up costing you an arm and a leg in order to get a recovery vehicle out.
Step 7:
Liability cover is usually automatically included in the main policy, but even so, you should still get clarification. After all, if a member of the public should get injured because of your caravan, you could to find yourself facing court action, and of course we all know just how expensive that can be.
Step 8:
It's simply cannot be stressed enough just how important it is that you ask questions before you sign anything. Once you've agreed to the policy, it's too late to turn back. If you have any doubts or concerns regarding the policy or the level of cover being provided, you need to clarify this upfront.
Step 9:
Just as with car insurance, you can have your rates significantly reduced if you take certain steps in order to make sure your caravan is not likely to be stolen. In other words, make sure it's stored in a secure location when you're not using it, and of course you also need to make sure it has an approved alarm system. Most insurance companies will also reduce your rates even further if you have a recognised G. P. S. tracking device installed.
Step 10:
This is perhaps the most important step of all, because unless you're willing to shop around, it's highly unlikely that you'll be able to find a good deal. Fortunately however, the internet has made shopping around incredibly easy, and providing you're willing to invest just a few hours of your time, you'll almost certainly be able to find a caravan insurance deal which is second to none.
by: Tom Jones
welcome to Insurances.net (https://www.insurances.net)
