Instant online caravan insurance quotes for UK based static and touring caravan owners. Tailor the policy during the quote stage so that the cover meets your exact needs. The online caravan insurance system is fast, secure and allows you to purchase cover in a matter of minutes.
The policy is administered by CETA insurance are authorised and regulated by the Financial Services Authority. Once you have purchased cover, you make easily make changes and amendments to your policy through the CETA online customer Zone system or alternatively you can speak with a CETA advisor on the telephone.
Though it may be one of the more niche products within the insurance industry, caravan insurance will very much be high up on the priority list for those who own such a vehicle.
Whilst it is very easy to go head long into a generic search, you should be aware that there are two types of insurance policies available; namely static caravan insurance and touring caravan insurance.
Primarily, the key difference is that a touring policy will cover you for scenarios that may arise during your time on the move, with its static equivalent protecting you should you be solely stationary.
Let us first consider a static based policy. It goes without saying that you should always explore the marketplace –as limited as it may be – as thoroughly and exhaustively as possible, and leave no stone unturned. Indeed, with the litter of comparison sites out there you will find the majority of what it is you are looking for in one congregated place, so make that the birthplace of your search.
A key detail that you should be chomping at the bit to have included on your agreement is that of rent loss. For most, a caravan will represent the epitome of their leisure credentials so they will only populate it during times of holiday. As such, there will be a natural gravitation towards putting in place tenants so you are not only covering your costs, but also making a little extra. By building in a rent loss clause into your static caravan insurance document you are safeguarding yourself from the detrimental effect that damage to your vehicle may have on your business ventures. If you are only going to be using your caravan for a few weeks a year and looking to rent it out for the remainder, this could be a chunk of money you really cannot afford to be without.
Because you’ll be inclined to use your mobile unit only at certain times of the year, its inventory can fluctuate greatly. So, ensconced within your policy, it should be very clear as to what is being protected and, perhaps more crucially, what is not. Items laden with heavy price tags, such as computers and digital recording equipment, may be omitted so be explicitly clear before signing anything. On the plus side, you may be able to ensure that any items damaged, lost or stolen will be replaced by brand new replicas, but this may be an added cost to your caravan insurance quote.
Other points to consider would be insuring for an ‘agreed value’, whereby you would get a survey done on your caravan and its innards as a total, and/or looking at protection from the elements. Crucial here is the geographical placing of your caravan, so be very picky when choosing!
The majority of the above will also be applicable for touring caravan insurance but, as mentioned in the introduction, the key extra will be looking at where it is you are ‘touring’. Obviously this could be just around the UK, in which case the process will be more straightforward, but if you are looking at Europe or further afield you will have to delve a bit deeper. Being left stranded in the middle of Prague is not an ideal situation, so consider if your insurer will help you should you breakdown and whether they’ll take you to your end destination. If not, repair and accommodation costs may be necessary and, intrinsically linked to this, will be the duration of your cover while abroad. Many underwriters will only formulate touring caravan insurance with time restricted Europe based cover so if you are going for a concerted length of time, bear this in mind.
What can safely be said, though, is that to secure the best and cheapest caravan insurance policy out there, the ball is firmly in your court. Make sure you do your groundwork in terms of squeezing the World Wide Web for all its worth, and assessing all the information you find rationally. Keeping your vehicle safe and secure will also go a long way to lowering your premium, as will accepting a higher excess should that be within your limitations. Remember, there is a policy out there that is perfect for you – all you have to do is find it!
