When looking for touring insurance premiums for your caravan one of the many ways you could make savings is to let a specialist broker search for them on your behalf. A specialist will present you with the quotes so that you can go over the key facts, compare the cost, and get the perfect policy for your circumstances.
One point to remember when comparing the cost of touring insurance premiums is that the insurance should be compared on a like for like basis. This means that you would have to pay the same excess on the cover if you had to make a claim. The policy would pay out on a new for old basis for example if you claimed and the limits set by the insurance company for claiming for items are the same.
There are many different factors taken into account when setting the premiums for touring insurance. One of the things that will be looked at will be how safe a driver you are and this is when your no claims bonus is taken into account. If you have a good driving record and many years on the road behind you, you will be seen as a safer driver when towing a caravan and the cost of the insurance premiums could reflect this.
If you are out and about a lot touring with your caravan then consider joining a club or enrolling in subscription to a magazine. By doing so you could save money on touring insurance premiums. Along with saving money you would also be in touch with like minded people who could pass on a wealth of information on caravanning.
When taking out insurance it not only reflects the fact that could be involved in an accident or some misfortune whilst towing. Insurance would also take into account break-ins and theft, the possibility of damage by vandals, inclement weather damage such as flooding and of course accidental damage. Therefore to help keep the cost of the insurance down you can take steps to ensure the caravan is as safe as possible when static.
If you offer to boost up the amount of excess the provider asks you to pay you can make savings on the cost of insurance. There will be a limit defined by all providers and this is the amount that you would have to payout towards a claim before the insurance company would then pay the rest. It is important to remember that while paying a higher excess would lead to cheaper insurance you would have to find a lump sum of money in the event you had to make a claim.
Installing the latest security alarms and a tracking device can shift a lot off the premiums charged. Wheel locks and an immobiliser would also go towards saving you a great deal of money on the cost of your insurance. Insurance websites will state manufacturers of security devices and alarms which have a good name and it can be worth paying out a little extra for these brand names. If you a have stability system for towing this could also save you a great deal on your touring insurance premiums.
About the author
George McGonigal is the Webmaster of the UK’s first Caravan insurance comparison website, http://www.caravanquoter.co.uk.
Our easy to use site allows you to get multiple quotes from specialist brokers for your static or touring caravan, motorhome, park home or trailer tent.