Understanding Your Touring Caravan Insurance Quote

Getting hold of a touring caravan insurance quote may not be too difficult. However, it is important that it is studied carefully before you make a decision as to whether or not it is going to be suitable for your needs.
The cover
A touring caravan insurance quote will typically outline cover provided in a number of general areas:

• the cover available against damage to, or loss of, the caravan itself;
• cover provided against the loss of, or damage to, your contents (this may or may not include a discussion about possessions stored externally to the caravan such as bicycles, satellite dishes, TV aerials, bicycle carrying racks or awnings etc);
• third party liability protection which will outline what your policy could help you with in the event you are sued by a third party that has suffered injury (or damage to their property) as a result of your touring caravan.

The conditions, terms, exclusions and limitationsThis is an extraordinarily difficult area to concisely summarise, as each individual caravan insurance provider's policy may vary considerably in all these areas and how they are represented.
There are, however, a few classic things look for in any touring caravan insurance quote:

• drivers - you may find that some policies will not support young or inexperienced drivers in the towing vehicle;
• security - typically, the providers of touring caravan insurance will insist upon the use of wheel clamps and hitchlocks as a way of reducing the risk of theft;
• you may find that some policies have very precise conditions relating to where exactly you may or may not unhitch your touring caravan (some may insist that this is only done on approved and secure caravan parking sites);
• there are typically a wide variety of options and conditions surrounding the use of a touring caravan on the continent (typically meaning outside of the UK for some policies but that may include the Republic of Ireland) so selecting one that is suitable for your planned needs is important;
• some insurers may impose limitations on the maximum mileage that the policy will cover each year.

In all of this, there has been no mention so far of price.That is intentional.
It is typically advisable to avoid the understandable temptation of reviewing your caravan insurance quotes based upon their headline price figures.
In the event that you need to make a claim, the cost of your insurance will be of no relevance whatsoever. All you will be concerned about is what the policy covers.
It, therefore, only makes sense to concentrate on the elements of cover first, before you start looking at actual cost of your touring caravan insurance quote.