Reducing your caravan insurance
There are a number of ways you can reduce the cost of your caravan insurance. We have put together a few hints and tips to help you save money on your caravan insurance premiums
Dont over insure - think about the cover you need for your caravan
Have a think about the cover you actaully need for your caravan. If, for example you do not take your caravan abroad then don't choose a policy which includes it. If your caravan is brand new or only a couple of years old you might want to choose a policy which offers new for old. Remember: unless you fall into the new for old category you will only get market value of your caravan back if you claim and if you overegg the value of your caravan you will be wasting your money.
Caravan Security
Most caravan insurance policies will have minimum security requirements. Always make sure that you take note and comply with these. If your caravan is stolen and they can prove you did not have the required security the chanses are they will not pay your claim. Could be a very expensive mistake. Some insurance policies offer discounts if you have additional security devices such as trackers or electronic tagging etc.
Experience and being claims free
If you are an experienced caravanner you may get a discount if you have not had any claims. Some policies also have no claim discounts (like you do with your car policy).
Caravan storage
Where you store your caravan can make a difference - If you have your caravan in an approved storage site many insurance companies will offer a discount. Most will insist that it is stored on a campsite, within the boundaries of your home or in a caravan storage facility. You should read your policy document carefully to ensure you are covered
Buy Online
Some Insurance providers offer a discount to customer who buy online. It can save them admin costs of a call centre and they pass this on to you.
Its always worth getting more than one quote to ensure you are not paying too much. Don't go mad and call 10 inurance companies. 2-3 is enough to see if you are paying the right price. Also don't purely buy on price, you should consider the level of cover you get as well.
