11/07/2008
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Sponsored Feature - tourer caravan insurance

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TOURER caravan insurance is not compulsory but, without it, thousands of caravanners would have been left massively out of pocket following the 2007 floods.

That’s before considering the thousands of claims for caravan thefts, break ins and accidents that take place each year. The bottom line is that there can be costly implications of not having specialist caravan insurance cover.

Make sure you get the best deal by considering the following:

1. Compare like for like

Make sure the quotes you are comparing are based on the same insured values. Compare things like excesses, emergency accommodation cover, if it’s new for old cover (see below) and also cover for European trips.

2. New for old OR market value cover 

If your caravan’s not too old, you may be able to get new for old cover which means you’ll get a brand new replacement for your ‘van if it is damaged beyond economic repair or stolen and not recovered. Remember, however, that you will have to pay a premium against the value of a new caravan! Market value cover insures your caravan against its current value and would pay out current value should the worse happen. Insured values are very important, so make sure you’ve got cover for the total value of ALL your accessories. It can soon add up!

3. Who’s behind it all!

Most of the leading names in caravan insurance are brokers whose policies are underwritten by an insurance company. Make sure you check out which insurer that is and look for a well known respected name.

4. Get Opinions

Check out the reputation of the caravan insurance providers. Speak to your caravanning friends and search the online forums to see what other caravanners think about a certain insurance provider.

5. Join a club or read a magazine

If you’re a member of the Caravan Club, Camping & Caravanning Club or even an owners' club, it’s worth looking around for a specialist who will knock money off your premium for membership. Caravan Guard will even give their club discount to readers of caravanning magazines, such as Which Caravan and members of online caravanning forums such as Out & About Live.

6. Mature savings!

Getting older does have its perks for caravanners. Owners as young as 30 can grab an insurance discount as a reward for maturity and experience.

7. Required Security

A wheelclamp and hitchlock are probably the bare minimum an insurance company will ask for. Some will have other security requirements based on insured value, theft attractiveness of your ‘van and your storage arrangements. Make sure you comply to ensure your cover is effective.

8. Secure big security discounts

Watch out for insurance discounts for alarm systems and axle wheel locks such as AL-KO Secure. Big discounts of up to 25% are offered for tracking devices! It might be that your caravan has these fitted already!

9. More discounts in store!

Park your caravan at home behind a drivepost or locked gates to secure further insurance savings. Using a highly secure storage site can also lead to an insurance discount. Many insurers look for the CaSSOA (www.cassoa.co.uk) accreditation.

10. Safe towing

Look out for caravan insurance discounts on the new AL-KO ATC (Automatic Trailer Control) stability system.

For further advice and online quotes when shopping for caravan insurance, visit www.caravanguard.co.uk. Alternatively, please call 08450 717171 quoting “out&aboutlive.co.uk”.

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Caravan Guard Limited is authorised and regulated by the Financial Services Authority. Calls may be recorded.

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