Posted by Dustin Reed \\
May 22, 2010
Caravan insurance should be an essential consideration for anyone who owns such a vehicle. While a lot of car insurance policies will be able to cover touring caravans as standard it’s often wise to invest in a separate policy, as this makes sure that you’re completely prepared for anything that could happen.
Unfortunately, it’s often thought that insurance for caravan tourers is incredibly expensive. This is because you need to think about it being on the road as well as on the campsite, and accidents or damage can happen at any point in the process. And, you don’t only have to think about yourself but also damage to third parties, and the costs incurred can quickly add up. But, while it’s true that getting sufficient cover can be expensive, there are things that you can do to reduce your premiums.
One of the best ways to reduce your premiums is by having all the necessary security devices in place, including alarms, wheel clamps and hitchlocks. Hitchlocks will be a particular advantage, as they prevent the opportunist thief from being able to quickly tow away your precious vehicle. Having such a device will deem you to be a lower insurance risk in the eyes of insurers, and that can be a great way to reduce your premiums and can lead to generous discounts.
However, it’s important that you read the small print to make sure you don’t come unstuck when you’re on the road. Although hitchlocks should always be installed when you get to the campsite, some policies even specify that they should be put in place when you’re simply taking a break from driving. Failing to do so could invalidate your claim if anything were to happen, so make sure that you’re fully briefed with the policy and any possible caveats.
But, there are other things that you can do to reduce your premiums too. You might want to opt for a bigger excess, or you could forego some of the added extras in an attempt to bring your premiums down. You’ll also be able to find great discounts by, for example, being a member of a caravanning club or even for buying your policy online, so make sure to see what benefits you can find in your policy.
So, insurance for caravan tourers doesn’t always have to be as expensive as you might think. As long as you take advantage of any discount that can be offered and always have the necessary security devices in place you can get the right cover without breaking the bank, so make sure to do your research to see what you can find.
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