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Buying a caravan can be very expensive and in the UK it is estimated that 4,000 caravans
a year are stolen with 75% of them never found. In 2008 a check on a few in spain found that of the 120 checked 30 had been
stolen from North West England. As well as taking out caravan insurance you should consider extra security measures like whhel
clamps, chassis locks and hitch locks as a large number of the caravan thefts that happen each are stolen from driveways.
Caravan insurance is a specialist form of insurance so it is worth considering organisations like
who can offer caravan insurance for a touring caravan, trailer tent or folding caravan and the AA offer
three flexible products which allows you to choose the caravan insurance cover that's right for your circumstances.
They also guarantee to beat the price of caravan insurance from the caravan club. With AA Caravan Insurance some of the benefits
are
12 months' European use (Standard), 30 days' European use (Essentials) 12 months' Worldwide use (Select) legal protection included as standard (Standard
and Select) loss of use benefits if your caravan is stolen or damaged third-party liability cover up to £2 million
You can also get If your caravan
is less than 5 years old cover on the Select policy on a new for old basis,
The excess (the
amount you pay in the event of a claim) is £100.00. It can be deleted altogether (at a cost of £30.00) or increased
to £250.00 (a 10% discount will apply). Essentials has a fixed excess of £150. if you have 1, 2 or 3 or more years
of claim free caravanning you can claim a discount of 5%, 10% or 15%. In the event of a claim this discount will be lost at
subsequent renewal, unless it was not your fault and the insurer recovers the claim cost from the third party insurer. With
essentials you will be charged additional premium where you have had one claim of over £2500 in the last three years,
or multiple claims in the last 3 years. You can also choose to pay your caravan insurance annually or monthly by direct debit.
For the latest up to date terms and conditions visit the AA caravan insurance website.
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