When choosing tourer caravan insurance you have to compare not only the cost of the policy but also what features you get and what the exclusions are in the cover. It is essential you do get the correct insurance for your needs as if you should have to make a claim it can be devastating and you could have to pay hundreds if not thousands of pounds out of your own pocket.




The type of tourer caravan insurance you choose would depend on many factors. For instance if your choice of caravan was a brand new one off the forecourt or the caravan was over a certain amount then your choice of insurance would be limited to fully comprehensive insurance.



A fully comprehensive policy would offer the most complete form of protection for your own caravan along with providing cover for any third party involved in an accident with you.




When using the caravan to tour around you would have to take into account whether you wanted to tour outside of the UK. European cover would provide you with protection that would allow you to call road assistance if you were to breakdown and would usually include being taken to a hotel if your caravan was damaged beyond repair. The insurance would usually pay for you to stay at a hotel at least for up to so many days while your touring caravan was being repaired. However the limits to these could vary depending on the provider you chose to take out the insurance with and would need checking in the terms of the policy before taking it out. Some providers offer so many days out of the year with European cover included while with others cover could be unlimited.




Check to find out what kind of protection the policy would include for any personal belongings in the caravan. The majority of fully comprehensive caravan insurance will have protection for your belongings but the limits could vary considerably. Items of any particular expense such as jewellery might not be covered in a standard policy so again checking this is essential before buying cover. You could also check to see if new for old is offered in the protection. New for old means that you would be given brand new replacements for any items that had to be replaced. However if the policy includes this it could be dearer than a policy that took depreciation into account when replacing items.




There are ways you could make savings on tourer caravan insurance. One of the best is to offer to payout a higher excess. All policies will come with a minimum amount of excess but if you offer to pay more the monthly premiums could work out cheaper. The excess is what the insurance company asks you to pay towards the claim before they would take out the rest. While you can save on the cost of insurance this way you would have to payout the excess out of your own pocket should you need to put in a claim and it would have to be a lump sum. If you were to have to make more than one claim in the same year on the policy you could lose out.

Author: George McGonigal

About the author:
George McGonigal is the Webmaster of the UK's first Caravan insurance comparison website, www.caravanquoter.co.uk.
Our easy to use site allows you to get multiple quotes from specialist brokers for tourer caravan insurance


Article source: Free Insurance Articles.