subject: Choosing A Caravan And Touring Caravan Insurance [print this page] Choosing A Caravan And Touring Caravan Insurance
If you are thinking of buying a touring caravan there are many things to consider and one of these is touring caravan insurance. You might think that huge German make caravan with all the amenities of home looks great, but could you afford the cost of insuring it?
The above of course is one of many things you need to consider when venturing out to purchase a caravan and it can pay to do your homework before setting off to hand over your money. The above example was used as typically insuring a German model of caravan is a lot more difficult as some insurance providers do not offer insurance or the cost if insurance is high. The reason for this is that they are often the focus of thieves and are high on the list of touring caravan that are stolen. A UK model is often less of a risk and so usually cheaper to insure.
The type of caravan insurance
Of course you do not have to purchase a brand new top of the range touring caravan. There are many great used caravans for sale that give you many years of pleasure. There is an advantage to buying a used caravan, other than it being cheaper to buy; the insurance premiums are usually less for a second hand model than a brand new model. If you want to reduce the savings on your touring caravan insurance even more then you could choose to take out third party fire and theft cover as opposed to fully comprehensive.
When considering third party insurance it is a bit of a gamble as it offers very little insurance for your caravan other than covering it for theft and damage and destruction by fire. However, it does provide you with third party liability insurance which is needed in case you damage or destroy a third parties property.
However if you want peace of mind for the contents of your caravan and such events as storm and flood damage, damage caused by vandalism, protection for the contents, fittings and furnishings and much more then fully comprehensive is needed. If you want full cover it is important to shop around and compare the cost of insurance online.
Comparing cover online
One of the easiest ways to compare insurance for your touring caravan is through a comparison website. You are able to give the details of the insurance you want along with your personal details and then compare quotes for touring caravan insurance on the same page. This saves you a great deal of time and it is less confusing than searching for insurance yourself. When comparing the cost of insurance this way bear in mind that while cost may be an important factor it is not the only concern you should have. Taking out adequate insurance should be taken into account as if you are under insured it could end up costing you great expense. Also check the wording of the policy to find out what exclusions may apply along with limits in the policy and find out how much excess you have to pay towards a claim.
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