Buying a caravan is such an exciting time, the freedom to go on vacation whenever you are in the mood, to have your own luxuries in one place that you can take with you and enjoy the outdoors while going anywhere, is a big plus factor to many caravan owners. But if you intend travelling at any time getting good touring caravan insurance is imperative.
You will need to look around to find a reputable and reliable company that specialises in touring caravan insurance, these companies will understand your needs and requirements and they will also understand how important your caravan is to you.
Flexibility
All the quotes you receive should offer you the maximum amount of cover with the flexibility to change or amend your cover as you see fit. For example the cover should be comprehensive and cover the caravan itself as well as all the equipment, fixtures and fittings. You should also be given the ability to cover your personal items under the touring caravan insurance.
Most caravans have awnings which are essential on sunny days and offer additional space for you if your caravan is on the slightly smaller side; being able to enjoy awnings cover offers you peace of mind. Awnings can be expensive to replace, they are made from strong durable materials with poles and losing or damaging any of these items can cost a small fortune to replace.
Any touring caravan insurance that you take out should also offer you public liability cover and personal accident cover. You don’t want to leave home without this in place, an accident can leave you without a caravan and being held liable for damages to other property and vehicles, which will cost a lot of money in the long run that you are legally responsible for.
Increase Your Excess and Lower Your Premiums
Lastly see if the company you have chosen will offer you the ability to increase your excess in order to reduce your premium. This will enable you to enjoy affordable premiums and should an accident occur you can pay the premium. This is ideal if you are a careful driver with years of no claims on your name.
Many of the touring caravan insurance policies also offer optional legal expenses cover, if you can take as much cover as possible for the lowest price so you know your vacations are completely stress free.