Insurance for caravans is something that we have to take as caravan owners but it does not have to cost a fortune.
One way to compare quotes for insurance is with a specialist caravan insurance broker who is able to search and find deals on your behalf.
The level of insurance may also determine how much you have to pay for your insurance.
Your options for insurance are third party fire and theft or fully comprehensive.
While fully comprehensive provides the most cover for your caravan it is generally the dearest option for protecting your caravan.
How to save on the insurance Security - The security of your caravan is one of the main concerns of the insurance broker.
If you buy and install security devices these may help you to keep down the cost of insurance for your caravan.
A hitchlock may stop your touring caravan from being unhitched whilst you are parked.
You may choose to install an alarm system on your static caravan and of course, extra door and window locks may be installed.
You may even want to look at the battery alarms that are available to be fixed on doors and windows of the touring caravan.
Sites - You may want to check with the sites that you are considering staying at with your caravan to find out if they are secure.
This also applies to any static site you are considering using for your caravan.
Caravan sites that have security measures such as lighting, walls around the site, gates with locks and security patrols may be safer than open sites.
New for old or wear and tear - Check in the details of the policy to find out if the policy provides you with brand new replacements for your belongings or if the provider considers depreciation.
Generally insurance that pays out new for old costs more in premiums than a policy considering wear and tear.
When comparing insurance for caravans always ensure that you have checked the small print of any cover you are thinking of taking out.
There is always limits to the amount you are able to claim, for instance for awnings.
You may also want to check if your awnings are covered for storm damage as this may be excluded in a policy.
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