Caravan Insurance

A motorhome insurance comparison

How does one perform a motorhome insurance comparison?

To some people, the answer to this is all too self-evident. You simply look at the prices advertised and select the lowest.

That might prove to be an excellent approach if your sole objective is to be able to proudly proclaim that you have found the lowest cost caravan cover around, however, you may wish to question the scenario that may potentially result.

If you are facing a huge repair or replacement bill and have just discovered that the circumstances are not covered by your caravan insurance policy, you may wish to ask yourself whether you will be at all consoled by the knowledge that the policy hasn’t cost you very much over the years you have held it.

If that sounds a little superficial and flippant then don’t be misled – this is a situation that may well arise if you have failed to ensure that your motorhome policy is going to provide you with the cover required.

In a sense, there are two forms of motorhome insurance comparison:

• comparing a candidate policy against your requirements to check its credibility;

• comparing a policy you have already assessed as being credible, against other credible policies, with a view to forming an opinion as to which is likely to be suitable for you in terms of offering the most cost-effective solution.

Both of these may be advisable bordering essential if you are to protect your interests and achieve a degree of peace of mind that you have appropriate cover in place.

Unfortunately, it may not be unknown for motorhome owners to sit down and seriously read their insurance policy for the first time, only in the event they need to make a claim. This may prove to be an extremely risky approach to adopt and given the value of your motorhome, not one that may result in you obtaining adequate financial protection for your precious asset.

So, it may pay you to get to grips with a motorhome insurance comparison sooner rather than later.

Static caravan insurance – the key points

Static caravan insurance is typically relatively easy to understand, providing you keep a few key points in mind.

The nature of a static caravan

This type of caravan is typically defined as being one that is semi-permanently located on the one site and on one pitch within the site.

Some policies may include specific stipulations relating to anchoring and the jacking up of the wheels etc. It may be permissible for the caravan to be moved to winter storage or occasionally to another site but typically these policies are not intended to cover caravans that are regarded as being tourers or regularly mobile (in which case, you may require insurance for touring caravans).

Another prime definition of a static caravan is that it is used for a few weeks or months each year, for the purposes of holidays and weekend breaks etc. If you live in a caravan on a permanent basis then it may no longer qualify as being a static caravan and as a result, static caravan insurance may not be suitable.

Elements of cover

A typical static caravan policy may provide cover against damage to the caravan and the structure, its contents and third party liability.

Some caravan sites may attempt to convince you that it is obligatory to use their insurance but this may not be the case and you may find that you are able to source a more cost-effective solution from a direct provider of caravan insurance.

Typically, there may be no legal requirement to have any form of static caravan cover, however, caution is advisable before you decide not to insure your caravan.

Even if you decide that it does not have sufficient value to justify your premium, keep in mind that if it causes accident or injury to someone or their property, a court may award substantial damages against you.

If you do not have the support of static caravan insurance behind you, the costs involved may prove to be quite literally ruinous.

Finding the cheapest static caravan insurance options

There may be a few pointers that you may wish to bear in mind if you are looking for the cheapest static caravan insurance:

• different providers of caravan insurance and this may include tourer cover, may have different criteria on offer for new for old replacement,  (following damage from an insured event that cannot be economically repaired)  – if you have been the sole owner of your static, providers may typically offer a new replacement for caravans up to three years old, however, there are some policies for new for old caravan insurance where this level of cover may be available for caravans up to  perhaps five years old and that might make a significant difference to you;
• if you can locate your static on a site where there is no history of flooding, you may find that premium discounts may be available;
• providers of static caravan insurance cover may also look favourably on premiums if you opt to use a site where there is 24 hour supervision;
• you are typically under no obligation to purchase your static caravan cover from your site owner, so you may wish to avoid the temptation just to take the static caravan insurance on offer at your caravan site  – it may seem to be a convenient solution to finding static caravan cover but it may be neither the cheapest static caravan insurance nor indeed the most appropriate for your needs;
• giving yourself the choice and comparing some static caravan insurance quotes may help you to find the  static caravan insurance cover  that makes sense and is the most appropriate for you;
• you may find that finding your own caravan cover may turn out to be cost-effective even if your site owner charges you a fee for administering a policy purchased elsewhere;
• it may not be the cheapest static caravan insurance around but what you consider to be cheap at the price and what another caravanner may regard as cheap, might be as different as your caravans and your overall requirements for cover.

Answers to the what does landlords insurance cover question

The following points may be of use to you if you are wondering exactly what does landlords insurance cover:

• policies may vary widely from one provider to the next, so reading steadily through policy quotes may be required to ensure that you are fully aware of what is and is not covered;
• similarly, relying on price as an indicator of level of cover may be no substitute for reading the policy documentation;
• an obvious area of cover is buildings insurance and this may be mandatory if you have a mortgage on your buy to let property. You may typically find that this provides financial protection against damage by fires, flooding, storms, smoke, earthquakes and the like;
• liability insurance for landlords (protection against being sued for damages by a third party) may typically form part of a buy to let buildings insurance policy and you may wish to bear in mind that the level of cover provided may vary significantly from one policy to another;
• landlords contents cover tends to be an optional form of insurance since not all let property is let on a furnished basis;
• if you are wondering what does landlords insurance cover by way of protection against malicious damage by tenants, then the good news is that there are some policies which provide this type of cover as standard;
• some buy to let policies may also offer subsidence cover as standard, though you may be surprised at the number that do not offer this cover at all;
• if you have ever been in the position of having to pay for the repair of damage caused by a tradesperson who was trying to find the source of another insured problem, then you may appreciate a landlords insurance policy which provides trace and access insurance to cover this sort of situation;
• some policies may be quite restrictive on the types of tenants that they cover, excluding students and DSS for example – these may not be suitable for you if you are happy to let your property to these categories of tenant;
• as a final point about what does landlords insurance cover, you may be interested in those policies which may offer compensation for loss of rental income, in the event that your tenants have to move out of your property while repairs are underway to damage caused by an insured event (eg flood or fire).

Direct Caravan Insurance

Looking for caravan insurance can often be time consuming, and many people are put off searching for it because of the perceived hassle involved. But, it doesn’t have to be that way. If you come to us here at Caravan Quoter we’ll be able to offer direct caravan insurance policies without the hassle, helping you get the most from your policy.

We understand that looking for insurance can often be difficult, which is why we like to keep things simple. We can give you access to a whole range of policies from which to make your decision, always providing easy to understand quotes that can help make things easier. We can offer these policies online or by phone and without any obligation – we’re completely impartial, with our only aim being to help you get the cover that you need.

By looking for your insurance policy in this way you’ll be able to save both time and money. Heading directly to us makes the whole thing quick and hassle-free, because we can give you numerous quotes from which to choose from. You’ll also easily be able to see which one could suit your needs based on your budget, preferences or individual requirements, ensuring you get the policy that’s right for you. You could well find that you save some cash as well, because by being able to compare everything in this way you’ll soon see where savings can be made.

So, if you want to keep things simple and find your policy the easy way, make sure to come to us for direct caravan insurance. With our great range of options we’ll help you make the right decision so you can get on the road in confidence, and with our impartial and no-obligation service we’re confident you’ll find just what you’re looking for.

Submitted by www.caravanquoter.co.uk

Caravan Insurance Risks

photo credit: sapheron
Insurance is one of those things that we all hate paying for. This means that some people are reluctant to invest, particularly if they’ve got static caravans where insurance for road use isn’t necessary, but failing to have adequate insurance in place can be a big mistake. The number of caravan insurance risks means that you shouldn’t even consider not having cover, and when you start totting up the value of everything you’ll soon see why.

Caravans, like everything else, are subject to theft, either of the caravan itself (if a tourer) or of the possessions held within it (either kind). This means that insurance should be at the top of the agenda, because with the cost of everything quickly adding up you could easily lose out should the worst happen. You wouldn’t even think about not insuring your home, so why treat your caravan any differently?

Then you need to think about the more general risks that can present themselves, and if you’re located on year-round campsites then this becomes even more important. Caravans are at huge risk of suffering from environmental damage be it through flooding, falling trees, frozen pipes and plenty of other potential threats, and the cost of repairs can be extortionate. Your caravan could easily take up a huge chunk of your savings, so it makes sense to be prepared for anything that could happen.

You have to ask yourself this – can you afford NOT to insure your caravan? You’ll soon realise that the risks are far too high for you to even consider foregoing insurance, because with your finances on the line the losses could be huge. With the number of caravan insurance risks to contend with you’ll be well advised to invest, so always arrange adequate cover and you’ll have the peace of mind that you need.