Recent figures from the Caravan Club show that taking a caravanning holiday is becoming more popular with Britons, with membership to the association increasing by 57,000 people in the last year alone. As with any other valuable asset it is crucial to make sure you have adequate protection and so it is vital that you get the right caravan insurance for your van. There are also a number of steps you can take to ensure your insurance premiums are minimised.
Firstly, you should make sure you maximise the security of your caravan. According to figures from the National Caravan Council (NCC) there were 1,400 touring caravan thefts in the UK in 2008 and so it is vital you take the necessary security precautions. The use of immobilisers, wheel clamps, hitch locks, alarms and tracking devices will not only improve the security of your touring caravan but also help you reduce your insurance premium.
It is also vital that you make sure you have the right level of cover against items being stolen from the caravan. If you do not have expensive or valuable belongings in the caravan it might not be worth you paying large amount for contents cover. However, if you do have valuable electrical or camping equipment you should ensure your policy covers these as well as associated items such as steps and awnings.
You should also decide whether you are looking for ‘third party’ cover or ‘comprehensive’ cover. Third party cover is cheaper and may be suitable if you have an older caravan that you use infrequently. If you have a new, valuable caravan or if you use it regularly then fully comprehensive cover might be more appropriate.
You can also reduce your insurance premium by increasing the ‘excess’ on your policy. All insurance providers state a minimum amount that you would have to pay in the event that a claim is made, however you can choose to pay out more in order to keep down the cost of the policy. You should remember that the amount you choose to pay out would have to come out of your own pocket in the event of a claim. When considering the policy excess you should also check to find out if you would have to pay out any additional excess for damage to the windscreen or windows of your caravan.
Finally, if you have no intention of taking your caravan abroad then you might want to consider a cheaper ‘UK only’ policy. Insurers also offer policies which include Europe and so whilst this is vital if you are planning to head overseas, you may be able to save money on your cover if you do not need European insurance.
Tags: van insurance, insurance premium, touring caravan, caravan insurance, right caravan insurance, correct caravan insurance, Recent figures from the Caravan Club show <BR/>
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