With more people than ever before opting for caravanning holidays (whether in Britain or further afield), insurance for mobile homes is starting to get more competitive as companies battle it out to offer the best caravan insurance quote.
If you are towing a caravan on a public road you are legally required to have third party insurance; this is usually included in your car insurance policy.
It is, however, highly recommended that you consider a more inclusive type of insurance.
This is because third party insurance will almost certainly not cover any damage that may be sustained to the caravan itself.
In addition, it will not provide protection should your caravan be stolen.
Cheap caravan insurance tends to relate to the type of caravan you are staying in; touring caravans, static, trailer-tents or motor-homes.
Each of these has different requirements when it comes to insurance and therefore has different costs to cover.
For example, while touring caravans are more likely to be the subjects of on-road collisions or damage due to side winds and incorrect loading, static caravans are more at risk of damage due to flooding and other natural disasters.
One risk that is common across all types of caravan is theft, of both contents and/or the caravan itself.
When it comes to motor homes and touring caravans, the insurance works in many ways like regular car insurance.
Insurance companies look at your claims history and how long you have been insured to drive such vehicles, and they will subsequently base their insurance quote on these factors; alongside how often (and where) the caravan is going to be used.
These factors can not only affect the overall cost of caravan insurance but also the excess you pay should an incident occur; in theory it is said that the cheaper the insurance the higher the excess, though this is not always a certainty.
Obtaining the right quote can be a perfect start to any caravan holiday.
Many people believe there isn’t much choice when it comes to insuring caravans, but with many specialist companies around there can be a huge difference in the price and quality of cover you receive.
Excess charges, premiums and no claims bonuses are all things to look for to ensure you get the best deal, and with the claims surrounding touring caravans being higher than any other, it is a must to make sure you are protected whatever may happen.
Regardless of whether you are a frequent caravanner, or you just use your faithful home-from-home for the odd getaway, caravan insurance is essential to protect both the goods and people in and around your vehicle.
Whether you are looking for a little bit of luxury for a night or two or a longer stay somewhere, insuring against the unforeseen accidents (from a simple scratch to theft) can be cheaper than you think, while the peace of mind it offers is priceless.