HOW TO GET CHEAPER STATIC CARAVAN INSURANCE
The world of insurance can be confusing and it’s sometimes hard to tell if you’re getting a good deal. You want reliable cover at an affordable price, but you don’t want to invest hours in research. Getting cheaper static caravan insurance requires a combination of careful planning and savvy shopping. There are a few things you can do to help get a good quote:
Stay claim free
Obviously this is not always easy to do. But insurance is a business of risk, and if an insurer believes you to be low-risk your premium will be reduced. Look after your caravan and take sensible precautions in order to try to stay claim free. Only make a claim if you have to. If you’re a new owner then try to build up some no claims bonus over a few years, you should then see your insurance reduced.
Invest in security
Insurers will offer discounts based on a range of different security features. If you’re storing your caravan in a park then try to ensure it has perimeter fencing, wardens or CCTV. Of course, as well as saving you some pennies on your insurance, this can also protect your property from theft and vandalism. It may also be wise to invest in some security for the caravan itself like locks and alarms.
It can be tempting to automatically renew your insurance every year. This is usually the most simple and hassle-free option for most owners, however it is usually the least cost-effective. It is far wiser to compare static caravan insurance quotes at least once a year to make sure you’re getting a good deal. At Insure My Stuff 4 Less we’ve provided static caravan insurance comparison websites for over 6 years. We have a comprehensive database of almost all caravan types and models, which makes our website easy to use. All the insurers on our site provide instant quotes and the majority offer the ability to purchase insurance online.
Choose the right cover
There are several things you can do to ensure you get the cheapest static caravan insurance quotes available. However, you also need to make sure you get the right level of cover for your circumstances. It may be tempting to save money on your insurance, but you also need to have adequate cover in place so that you are not left out of pocket in the event of a claim. There are two different cover options available:
- New for old – This will ensure that if your caravan is stolen or damaged beyond repair it will be replaced with a new caravan of a similar specification. This is provided the sum insured reflects the full replacement value of an equivalent caravan.
- Market value – This tends to be a cheaper option. It covers you up to the market value of the caravan, provided the sum insured matches the replacement value of an equivalent second hand caravan.
Selecting a higher voluntary excess can also reduce your premium, but remember that this is the amount you will need to pay in the event of a claim. Be careful not to set it too high or you may regret it if you have to claim.
Why not compare quotes today and see if you can get the cheapest static caravan insurance available.