When dealing with caravan insurance companies ask if they cover both static and touring caravans. Static caravans are kept on their pitch all year around, and touring caravans come and go with the visitor.
Both types of policy usually give the caravan owner financial protection against damage or destruction from fire and theft, and potentially from accidental damage. Without caravan insurance, not only is an expensive asset (the caravan) left unprotected, but if you cannot afford to replace the van itself without cover, you face a sharp rise in the cost of your holidays if you have to find alternative accommodation.
When you are looking around for caravan insurance UK caravanning clubs may be able to secure discounts for their members. Given that caravanning is becoming more and more popular as an affordable way of having a holiday in a recession, the market for caravan cover is getting more competitive.
So how can you get high quality cover at the best possible price?
For a static caravan, the cost of the premium will be heavily dependent on the location of the park where you keep it. So a well maintained, regularly patrolled park in a low crime area will be cheaper to cover than a caravan in a park with a higher crime rate.
To reduce your premium on a touring caravan policy, install security devices like a wheel clamp or have a hitch lock fitted so that the caravan is secure when you leave it unattended. Some insurers may even insist on these fittings before they will consider cover.
The premium could also be cheaper if you limit the mileage that you travel, and may go down steeply if you are prepared to limit the scope of the cover to the United Kingdom. However, if you intend to take your caravan abroad, do not forget to inform your insurer and request an extension to the cover. Otherwise you could find that the policy is invalid when you come to make a claim overseas.
If you are looking for a renewal policy, ask for a no claims discount as a reward for your history of safe caravanning.
Finally, when you have some quotes to compare, consider whether the extent of the cover suits you. Is there any contents cover included in your caravan insurance UK? Is the company experienced at dealing with insurance in the leisure industry? These are important issues that should help you make a decision between similarly priced policies.