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Choosing Your Touring Caravan Insurance on the Net

Choosing Your Touring Caravan Insurance on the Net

One of the easiest ways to take out touring caravan insurance is on the internet. There are many reasons why you might want to search and compare for cover online and one of the main ones is that the insurance premiums are usually cheaper online.

So what is the best way to go looking for your caravan insurance online? Well you could go to one of the major search engines and type it in there. You will be presented with thousands of results for caravan insurance companies and quotes. However the problem with this is that there are so many. It would take all day to go through them all as you have to go to the individual site and then fill in all your information. A much better way to get your hands on numerous quotes all on the one website is to use a comparison website. All you have to do is enter your information once and then choose from the quotes, easy!

What to look for in insurance quotes

The first thing you need to check once you have found a quote that seems affordable is what is offered in the policy. First check that the policy is the type you want, for instance fully comprehensive or third party fire and theft. This type of touring caravan insurance typically provides you with numerous benefits. You should find the provider offers protection including:

  • Fire damage.
  • Damage from flooding.
  • Damage caused by accident or malicious damage.
  • Public liability cover.
  • Cover for the contents of your caravan and accessories such as awnings, gas bottles and steps.
  • Your personal possession.

If you want to travel around Europe with your caravan then having European insurance is essential so check if this is offered. When European insurance is offered it is usually given for so many days. Some providers may offer more days protection than others, so this is something that is always worth considering.

Checking the small print

When comparing touring caravan insurance quotes always check out any limitations that could apply to the policy and exclusions. For example certain items of expense such as jewellery could be excluded from the contents part of the insurance policy. Your awning may be protected against storm damage but only while you are in your caravan at the time of a storm and the damage occurring. The insurance provider may state that you have to take certain security measures such as the installation of a wheel clamp and/or a hitchlock to prevent theft. You should also check how much excess the insurance provider asks that you pay towards a successful claim. The amount of excess could affect the insurance quote. For instance a quote that is low may come with a larger amount of excess. This is a bit of a gamble as if you do not claim on the insurance policy you could save money. However if a claim or two has to be made in any one year then you have to find the chosen amount of excess out of your own pocket.