Tourer caravan insurance – How you may be able to benefit

When taking out tourer caravan insurance comparing what you get for the monthly premiums is essential. There may be numerous benefits provided in your insurance and some providers may give you more policy benefits than others may. With this in mind, it may pay to compare not only the quotes but also what you are given for your money. To help you to keep down the cost of your insurance there are also many factors you may want to take into account before applying for your insurance.
Your caravan insurance may come with new for old cover. This means that if your caravan is stolen or destroyed within a certain amount of time, you get a brand new replacement caravan. Your personal belongings, gas bottle, contents of the fridge and steps and awnings may also be covered in your insurance policy. Again, these may be protected against theft and loss by fire and may be covered for accidental damage so check in the small print. Generally insurance providers state a limit as to how much you are able to claim back on the policy for such as awnings and steps so check this with the provider.
As touring caravan theft is a huge concern for insurance providers the more secure your caravan is the cheaper you may get your insurance with new for old included. You are able to buy and install security devices such as a tracking device, wheel clamp, alarm or a hitchlock. A hitchlock may help to prevent thieves from unhitching your caravan and stealing it.
If you plan to tour around Europe a great deal then you may want to check to find out how if European cover is includes and if so how many days protection you are given for Europe. Insurance providers may limit the amount of time you are able to venture into Europe with some giving more days than other providers give. Also, check your tourer caravan insurance to see how much you are able to claim each day and for how long if you have to stay in alternative accommodation. Providers may pay out towards this if your touring caravan cannot be lived in after being involved in an accident or if it is stolen.