Chester Cooke was a man who one day decided that he wanted to have a caravan on the banks of the river Avon in a perfectly situated caravan site that was professionally owned, well maintained and had all the amenities that he could ask for. However, he wasn’t the type to go spending the best part of twenty grand plus annual services on a caravan without properly thinking it through.

Chester then called his broker and explained to him that he was looking for some caravan insurance. His broker then told him that he would be more than happy to find him a quote, and so Chester gave him the details of the caravan such as the size, type and value, as well was where it would be situated.

A few minutes later, the broker called Chester back and said that unfortunately he was not able to find any insurance companies that would offer him insurance, not because of the caravan itself, or even the site that he had chosen, but it was to do with the exact spot that he had chosen. It was right on the bank of river Avon, which had flooded the year before, causing a massive number of insurance claims on the grounds of water damaged property, and so now insurers were very wary about insuring caravans that were right on the water’s edge. This meant that if Chester really wanted the caravan, and he wanted it right there, it would have to be at his own risk.

This was deal breaking news. It was highly likely that the Avon would flood again at sometime in the future and Chester couldn’t afford to take on a caravan without insurance. He asked his broker about these other “normal criteria” of caravan sites that he should look for if he was going ahead with his plan to buy a caravan.

Ideally the site should be a registered CaSSOA site. There are insurance discounts for these because they have minimum standards of security. If the caravan is to be sited more informally, on a farm for instance, the caravans on the farm should be in their own compound with a defined perimeter. Some insurers insist that there are a minimum number of caravans on the site, safety in numbers as it were. Finally Chester should look for a site with good security, a mature hawthorn hedge or palisade fencing marking the boundaries.

Chester hadn’t really though that the insurance would play such an important part in the buying of his caravan. He was just appreciative of his knowledgeable broker who could steer him in the right direction, after all, he just wanted to enjoy his caravan and the insurance was just to take to worry out of owning one.

Caravan insurance is one of the biggest factors to take into consideration when thinking about purchasing a caravan. Coversure are a leading provider of caravan insurance and can offer you advice, or a quote to insure your caravan

“For girls who go plump in the night” is the rather strange title of an album by 1970’s rock band Caravan, which is not the kind of thing you would expect an insurance man to know, even if he does actually own one, (a caravan I mean!) An insurance man in a caravan is probably not that unusual but an insurance man in a caravan listening to Caravan? Surely not!

Although I’m not entirely sure why I start thinking about this, I’m pretty sure it’s because I was looking back at some photos of last year’s Glastonbury festival the other day and I noticed just how many caravans were there in one get-up or another. Being an insurance man, I was of course thinking about the cover they had and whether or not the underwriters knew exactly what they were being used for.

If memory serves me correctly there were caravans being lived in, housing first aid helpers, acting as tea shops (and I don’t mean mobile catering units, I mean caravans, proper ones with curtains) used as rest homes for tired musicians and even as the home of paid for showers.

All over the camping fields there were caravans being used as shelters for security staff or meeting points for people who were lost, or as temporary accommodation for ageing rock fans who could either no longer handle the discomfort of tent camping, or who were just fellow caravan fans!

Of course, the musicians themselves are among the biggest users of caravans at music festivals, they usually use the huge ones with extra wheels on the front for steering and they use them for changing in, preparing for the show in, and then use them to indulge in general after-show rock-star behaviour which I think is probably best left to the imagination! I’m not sure if Caravan ever used one, I think that would just be too good to be true! Caravan in a caravan listening to their debut album (which was called, as you may have guessed, “Caravan”). Or even better, if they had arranged a convoy with some friends, a caravan of caravans including a caravan with Caravan in it listening to Caravan!

But anyway, before I started ranting about rock-stars in caravan convoys I was thinking about whether or not these caravans had the correct insurance cover and lets be honest, the answer is probably not. If you are considering taking your caravan along to a festival this year then it is well worth thinking about getting proper insurance cover for it. Caravans can be damaged in all kinds of ways, especially at festivals where the fun loving, free-partying atmosphere can sometimes cloud people’s better judgement and out of control festival goers and crowds and the like can do a lot of damage to your caravan, whether it is intentional or not. It could simply slide off on its own if the mud gets too wet, they can flood, catch fire, get blown away, and almost anything you can think of can happen. Fortunately you can insure caravans against more or less anything that could happen to it, even if it gets rammed into by an uninsured caravan being used as a refreshment stand!

Coversure are leading providers of caravan insurance if you are thinking about taking your caravan to a place where it would be even remotely at risk, like at a music festival, you should think about taking out some caravan insurance just to be on the safe side.

I read an article in Insurance Times a few weeks ago where the financial ombudsman had said that he would support a policyholder against the insurer, excluding claims for leaving keys in or near a vehicle. I then wondered if the same would apply to a motor home.

So the family and I had rather a late night in our motorhome playing cards and so we were all quite tired when we eventually turned in for the night, meaning that the next morning we were already late for our arranged meeting with our friends and fellow motor-homers the Wilsons. Then came the usual morning commotion, the queue for the shower and the breakfast rush, then by the time we were ready to leave our friends had decided to explore the countryside without us.

Then I couldn’t find the keys. We looked everywhere, and in my usual patient and understanding way I first accused every member of the family of hiding them, progressed to accusing them of not helping me to look for them properly and concluded by accepting my son’s version of events that aliens had come from Mars and stolen the keys to my motor home. I went to the cab to get my mobile and call my insurance company for help. I was stranded in the middle of a field with a grumpy family… and it was about to rain.

There in the middle of the cab, sitting next to my phone, were the keys! I couldn’t believe that I’d left the keys to my beloved motorhome in the cab. Being an insurance man I couldn’t help but wonder if my motorhome would have been insured if it had been stolen under those circumstances. And so my mind drifted back to the Insurance Times article.

If my motorhome had been a car the ombudsman would have considered

Location

Was I in a position to deter a thief

Was I recklessly ignoring the risks

Mitigating factors

Whether I knew about the exclusion in the insurance policy

I would like to think I would have been given this kind of consideration as well with my motorhome. I would say you have a much higher chance of getting a comprehensive insurance deal to cover any situation if you go through an insurance broker.

For a class leading service in motorhome insurance contact Coversure. Their motorhome insurance is unmatched by other companies and you’ll leave with the peace of mind that you need when you’re on your holidays.

Insuring your possessions is vital today as there are so many incidents that could cause them to be damaged or stolen. If you own a caravan you will probably need to have some caravan insurance advice before you select a policy. If this is the case here are a few pieces of advice on obtaining the right type of caravan insurance.

One of the first things you need to know is that there are lots of different kinds of insurance for caravans. For example if you have a static caravan you will need a certain type of policy. Caravans which are moved from site to site will need cover to take this into account.

You will also need to make sure that the items in your caravan are covered. Many people overlook just how much the contents of their caravan are worth. Make sure that you have noted any expensive items when you obtain your insurance and you will be covered.

Some of the insurance companies that provide caravan insurance will also bring out magazines on a regular basis. These will feature special offers and new caravan sites that are of interest to people who enjoy caravans. So if you would like more information on caravans and so on, think about this when purchasing insurance.

Don't forget to get plenty of quotes. This is essential if you want to get the very best deal on your insurance policy. Use an online comparison website and you will be able to choose from a range of prices for the type of cover that you want.

Following these simple pieces of caravan insurance advice will mean that you get the best premium. Being insured is crucial if you want to enjoy your caravan without worrying. So get a quote today and get the policy that suits you.

Learn more about caravan insurance by searching online. Learn if you need to have caravan insurance or not and what coverage is best. Go online today and learn more.

To ensure an insurance company is genuine and of high quality you must look at their brand values and core integrity along with the cost effectiveness of providing a customized insurance policy to suit your needs.

To safeguard your caravan against any future problems it is important to invest in cost effective caravan insurance. When looking for insurance online it is important to pick a policy that will fit your budget therefore being cost effective for you.

Insurance companies can often offer large discounts when looking at factors such as previous claims, age, experience and they can also check if the caravan has any electronic security. Becoming a member of the caravan club means that there may be caravan insurance at a discounted rate on offer. This is the best option when looking for a cost effective way to have caravan insurance.

If you only use your caravan for a few months of the year it may provide beneficial for you to invest in limited mileage insurance. This insurance covers you for the limited amount of miles you cover with your caravan for the limited amount of time that you use your caravan. There are also many other forms of caravan insurance. Cost effective insurance for your caravan covers such accidents as;

Damage to your windscreen, windows and windshield because of weather,

Theft or accidents, belongings becoming lost during the journey,

Fire damage

Death of the driver due to accidents or damages to your static caravan.

Even if your static caravan incurs damage you can get claim for the same.

There are many different types of caravan insurance, all of which can be cost effective. You are able to choose from such insurance policies as; static caravan insurance, trailer tent caravan insurance and motor home caravan insurance policy. The type of caravan insurance that will be cost effective to you will be dependent on the type and the nature of your caravan.

For more information on coversure insurance, click on coversure insurance

Keeping your caravan secure is obviously of the utmost importance as it far easier for a thief to steal a caravan than a car. If you plan on leaving your caravan unattended for a long time then as you can imagine, the risk for your insurance provider will be large.

There are several things that you can do to reduce your caravan insurance, you can use proven security devices to disable the tow hitch in order to make it harder for your caravan to be stolen. You can also make sure that your caravan is stored within a locked compound as that will also help to protect it.

The price that you pay for your caravan insurance can vary a huge amount from company to company, so you will want to ask caravan insurance experts as they will be able to offer additional guidance on how to reduce your annual premiums. Quite often the simple addition of a few security items will greatly reduce your payments.

It is also important that you take security precautions when you are using your caravan. You will need to be careful that you have insurance cover for any possessions that you will be leaving in the caravan. Obviously it is not a good idea to leave valuables on display, or items of significant value in the caravan at all.

You will need to specify any specific expensive items that you will have with you when you are away travelling. Your policy may well have an item value limit or require you to itemise valuables. Not all policies require this, so make sure that you do ask your broker of any restrictions.

So basically, to avoid any nasty shocks if you should need to make a claim, make sure that you go through absolutely everything that you will be carrying with your insurance provider to make sure it is al covered.

Caravan insurance is important to have in order to ensure that your caravan is covered for any costs that might be incurred by accidental damage or because of a fire, extreme weather conditions or theft.

The majority of caravan insurance policies will cover any damage that has been genuinely caused out of the owners control by fire, flood, bad weather, accidental or malicious damage and theft.

The possessions within your caravan will usually be covered up to a limit which will be predefined in your policy, and will usually be around 300.

This possession cover is meant to cover belongings that would usually, in case of emergency, be left in the caravan such as furniture, curtains etc. However, money, jewellery and other valuables are not usually covered under standard caravan insurance and should be covered under all risk sections of your household contents insurance.

You have a duty of care to look after your property, so theft from your caravan will only be covered if it is properly locked up whilst you are away from it. So there will not be any cover if you leave it open, or you leave your belongings under an awning or in a toilet tent.

By the same token, if you do not fit your caravan with a wheel clamp and hitch lock and it gets stolen, you will not be covered.

There may be different requirements for the security of your selected caravan site in order for your insurance to be valid. For example some insurers may insist that you park your caravan in a registered holiday park, whereas some may insist that your chosen destination in concealed by fencing or hedging around the boundaries.

You may be able to include damage to awnings at a small extra charge, usually there is a restriction on the age of the awning that can be covered, typically awnings that are more than seven years old cannot be covered.