Expert advice on caravan insurance pollicies

Caravan Insurance problems
Caravan Insurance problems

Tuesday, 11, Oct 2016 03:09

by Ed Davies

Once you have decided to insure your caravan, as we discussed in our previous feature, choosing a particular policy should be considered and thought through

Although, possibly obvious for some, a first-time buyer could be lost at sea when looking for a new policy but heaven forfend lest you feel anxious as CaravanTimes is here to light the way.

We have chatted to the well-meaning insurance director of Caravan Guard, Neil Menzies, about the best policies to go for and those sneaky little conditions you need to look out for.

His in-depth advice

First of all, comparing policies, he says, to make sure you are getting the right level of cover is always worthwhile.

Mr Menzies said: "A Defaqto star rating is an indication of the level of cover offered by different policies, with a 5 star rating being the most comprehensive.

"Look out for "new for old" cover for your caravan. At Caravan Guard we will pay for a new caravan and equipment if your unit is stolen or written off as long as a customer has taken out this level of cover.

"This is available for caravans that are up to 15 years old. It is worth bearing in mind that you will be insuring at the cost of a brand new caravan and equipment, so you can expect to pay a higher premium."

If this is not done and you insure your caravan at market value your policy will obviously be cheaper but will pay out the current value of the caravan in the event of a total loss claim.

"One of our most common claims is storm damage to awnings," added Mr Menzies. "It is worth checking to see if your awning would be covered if bad weather strikes.

"Look for the ability to be able to pick and choose from various cover options to suit your needs. For example, with Caravan Guard you can choose from different levels of European cover and emergency accommodation and can choose to add on legal expenses and protect your no claims discount.

"The level of the excess you pay can also be increased to reduce your premium."

Another suggestion by our insurance guru was to do some research into the insurance underwriter, checking they are well-known and solvent.

There are also feedback sites like reviewcentre.com to see what kind of service existing customers have received.

Mr Menzies added: "You can't put a price on excellent service especially in the event of a claim.

"The opening hours of the insurance broker and a 24 hour claims helpline will also help you to sort out any problems or make necessary changes quickly and smoothly.

"At Caravan Guard, we're open seven-days a week and from 8 am to 8 pm Monday to Friday, with friendly insurance advisers on hand to deal with any queries or provide a quote.

"We have a 24 hour claims line. Customers can also get a quote online 24-7."

Comments - What do you think?
Related stories

Caravan insurance sponsor celebrating after winning triple Paralympic gold

Hannah Cockroft (centre) with representatives from Caravan Guard

Triple Paralympic gold medallist, Hannah Cockroft, is celebrating with her sponsors Caravan Guard for backing her paralympic dreams from the very start of her medal-winning career

Caravan Insurance, worth the expense?

Caravan Insurance

First of all, insurance for caravans is not mandatory. The basic law stipulates any self-propelled vehicle must be insured meaning motorhomes are bound by the regulations but caravan owners are left with a decision to make

Storage

Has anyone used the storage facilities at Lee Valley Caravan Park, Dobbs Weir, Hertfordshire and would you recomme...

Elddis 1980s

I have a mid 1980s Elddis Whirlwind De Luxe - at least that's what it says on the side. But it doesnt actually loo...

Making life easier going to the waste water drain!

Fed up with dragging the Wastemaster to the drain every couple of days and after ending up with a sore back after ...

Alko Wheel Lock

Hi guys, I have just swapped our Caravan and now have for sale an Alko Wheel Lock, No24, Its in great condition , ...

Fridge problem ?

Our Topaz,, year 2000 fridge in the cold weather a draught comes through a vent above the fridge between the work ...

Bulldog QD33 Wheel Clamp for 13" Tyres

Bulldog QD33 Wheel Clamp for 13" Tyres, was on 2001 Bailey Ranger 500/5 Used 3 times only in excellent condition a...

2010 Sprite Alpine 2 Roof Weight Strength ?

Hi Guys Has anybody any info on what weight a Alpine roof will withstand, for instance will it take my bodyweight...

Coachman Amara 560/4 2011 model

hi can anyone advise the wd key no for the key that opens the external lockers on this model ? Many thanks for any...

Weight Distribution/Nose Weight Issue

Hello I wonder if anyone can help please. I have an Avondale Sanbeck van with a Toyota Auris tow car. in terms of ...

Weight Distribution/Nose Weight Issue

Hello I wonder if anyone can help please. I have an Avondale Sanbeck van with a Toyota Auris tow car. in terms of ...

For Sale

Burstner Nexxo t720 - 2012 - £44995

Burnster Nexxo t720

Low Low profile chasis motorhome

Rapido A-Class 999M - 2009 - £54995

Rapido A class 999M

This flagship Rapido model is based on the Mercedes Sprinter chassis (very rare) with the fantastic Mercedes 3.

Monaco Knight 38 PDQ - 2006 - £79995

x

THE most practical RV layout ever on the market with four slide out rooms, full cream leather interior and light oak cabinetry creates even greater feeling of space.

Niesmann+Bischoff Arto 69 PL (auto) - 2011 - £61995

Niesmann + Bischoff Arto 69 PL

One of the best build qualities in the industry including aluminium sandwich construction, deep double floor and front electric thermo windscreen blind make this motorhome fully winterised.

Benimar Tessoro Part 1: The 483 Full Test

The Tessoro 483 is built on a 170BHP Ford

At CaravanTimes we recently had a Benimar Tessoro 483 on test for a couple of weeks. We have done just over 2000 miles in the Tessoro and tested in various ways - as you will find out in our inspiration features coming up. But before we give you some ideas of where and why you should use a motorhome like the Tessoro we wanted to bring some information on the Tessoro range and the very interesting 483.

Bristanbul Video Documentary Part 1

Part one of the documentary is here

So as most of our readers will know, the CaravanTimes team were lucky enough to be part of Bailey of Bristols, Bristol to the Bosphoros trip. Travelling 21 countries in 21 days the team did a fantastic job to take the 2 caravans and motorhome cross-continental.

In pictures: testing the new Auto-Trail V-Line Sport 635 to the extreme

Caravan Times' Favourite Adventure Couple, Simon & Faye, CHeck out the new Autotrail V-line

This weekend however, we decided to test out how sporty the Auto-Trail V-Line Sport 635 really is.

PLANS VETOED: Essex caravan park plans vetoed again

Possible site location at Port Flair

Plans for a 70 pitch caravan park in Essex have been rejected by the local council for a second time.