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Submitted by: Michiel Van Kets
Good touring caravan insurance need not be too expensive. There are many insurance companies online that offer competitive rates so your investment can be covered in case of loss or damage. It is much easier for insurance companies to sell insurance online, so they can afford to give discounts and special prices for their customers. Competitive rates are not the only way to get reduced rates. There are also things the owner can do to reduce the insurance premiums. Some websites consolidate the top insurance companies and let you compare coverage and prices before you even contact the companies.
There are four basic insurance policies available for touring caravans. Accident or physical damage is the most basic policy. This type of coverage will pay for repairs if the caravan is damaged due to weather, vandals, thieves, animals or other unforeseen circumstances.
Fire insurance is another type of coverage possible for caravans. If your caravan catches fire due to a cooking or smoking accident or if it is in the way of a forest fire, then you need special fire coverage.
The third type is property loss. If the caravan is stolen, lost or rolls over a cliff, this coverage will reimburse you for the cost of the caravan, depending on how old it is. You may get a new caravan of the same model or reimbursement for the market price of an older model. It may not cover the property inside the caravan, so, if it is valuable, you need to make sure it is covered in your household policy.
The fourth type is third party liability. This means that you are covered if someone gets hurt or someone else’s property gets damage because of your caravan. This is very important if you travel a lot or take friends and family with you.
A clean driving record will go a long way to reduce your caravan insurance premiums. This also gets you lower automobile insurance, but pulling a caravan takes skill and a good driving record shows the insurance company that you are a careful driver. This will lower the accident and physical damage insurance policy. Also, if you have been pulling a caravan for several years with no mishap, this will further reduce your rates.
Parking your caravan in a place where there is security when it is not being used or, better yet, in a caravan parking place or garage will reduce your insurance premiums for property loss coverage. Also, adding a tracking device in case the caravan is stolen, locking one axle so it cannot be easily towed and installing burglar alarums will all help to reduce property loss premiums.
Searching online for caravan insurance coverage is the easiest and most effective way to find cheap caravan insurance. There are also websites that provide the information from all the top insurance companies and answer questions about type and amount of coverage. You can compare quotes and make an informed decision to get the best coverage at a reasonable price.
About the Author: Michiel Van Kets writes about Caravan Insurance Experts, a Caravan Insurance company.
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