Trying to Compare Caravan Insurance can be a minefield to a newcomer. The terminology frequently found on caravan insurance policies can differ between insurance companies as can the way they lay out their caravan insurance quotations and indemnity wordings.
Even if you are a seasoned Caravan Insurance buyer you will find the following advice useful in saving you money on your touring or static caravan insurance.
Make Sure you are aware of the Caravan Insurance Risks that are covered when you compare caravan insurance quotes .
This will vary depending upon the policy provider and type of caravan you wish to insure . Semingly it will differ significantly between a tourer, static van and a motor home , for example.
Frequently all policies will show the risks you’re covered for . However, in the case of a claim, any insurer will reserve the right to examine the claim to make sure that, ensure that it is covered by the policy wording .
For caravan insurance it is useful to examine the various coversoffered under the following sections:
Contents and possessions cover
What effects are covered and what is not covered?
Make sure that the policy offers either new for old or market economic value replacement Inside accessories and fixtures and Outside fittings and accessories .
Ensure you check for Policy exclusions
Whenever you make a like for like caravan insurance comparison it is prudent to look closely at this area inside the policy wording.
All caravan insurance policies will comprise conditions and clauses. Read carefully all the policy wordings.
Many excluded items or terms which are frequently found in many policies are eg the mandatory use of hitch locks and wheel clamps .
When comparing covers , it is sensible to check all contract wordings carefully to make sure that they fulfill your specific caravan insurance needs and this will also allow you to compare risks between policies.
Compare Risks and Save money! 
If you visit many websites and compare caravan insurance, it is not long before you sense that the prices often differ between comparison websites .
Frequently, premiums may vary by a great deal because of the layerof insurance you choose to take out.
As with Car Insurance, there are different levels of protection available. You may choose to take out insurance that comes with all the bells and whistles, or you might take out a basic policy that gives little cover, other than third party cover and fire and theft.
A fully comp insurance policy is nearly always the dearer option.
The amount of insurance you apply for may contribute towards your caravan insurance costs .
The type of caravan you wish to insure may make a difference to your insurance costs . If you want insurance for a German make for example, then you may expect to pay more for the insurance than if you were insuring a British make of caravan.
Caravan insurance premiums may be affected by the benefits and features covered in the cover documents. This may for instance include Green Cards and the amount of cover given .
A major condition in determining the premiums is how much public liability insurance is offered by the policy.
Often the way you pay your insurance wil affect what you pay . Paying for your insurance in one go rather than paying by direct debit may sometimes lead to small savings on the cost of your caravan insurance.
While the caravan insurance costs may be the most important consideration, it is equally as important to ensure that you do take out the correct cover for your caravan . Always put your individual requirements for insurance before taking out the cheapest imaginable cover . While everybody likes a cheaper premiums , buying cheap caravan insurance that only offers a limited amount of cover may not be a good ideaespecially if you need to claim .
Watch out for on-line money off bargain offers
It is wise to remember that nearly all Insurers will offer different types of premium reductions, for example for having additional security .
As you compare caravan insurance you can look at these offers against policies and see just how much they may affect your costs .
Dont always assume that the cheapest is necessarily the better cover. If you have bought the cheapest policy it may not be of much consolation if you suffer a problem only to find that your caravan is not covered under the policy.
If you examine the policy wording consistently though, it is possible to make premium savings! .
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