Caravan Insurance Brokers Can Save You Money

Caravan insurance brokers can save you a great deal of money on the cost of your insurance. They will be able to shop around on your behalf with some of the top UK insurance providers to find you the most competitive premiums so that you can take your time and compare the cost along with the features of the cover. Comparing features is essential if you are to get the best protection for your needs with all the features you need and these features can vary depending on whether you want static insurance or touring caravan insurance.

When it comes to saving money on your caravan insurance then there are many things that you could do to help you keep down the cost of the insurance. The first thing that you can give some consideration to is paying out more in excess than what the insurance company asks for. All insurance providers will state a minimum amount of excess that you would have to pay in the event that you had to make a claim before they will take over and pay the rest. By offering to pay out more in excess you will keep down the cost of the insurance but you would need to remember that this sum of money would need to come out of your own pocket in a lump sum. You also have to take into account that if you were unlucky enough to have to make a claim on the insurance you could lose out.

Some insurance providers will allow you to pay for the insurance in monthly installments by direct debit. However if you can pay for the insurance in a lump sum yearly then you can make savings on your policy.

Never be tempted just to renew your caravan insurance year after year. Just because you got a great deal on the insurance one year it does not necessarily mean that you will get the same this year with the same provider. By allowing a broker to search around for you savings could made.

Another great way to make savings before applying for cover with caravan insurance brokers is to ensure you have safety measures in place. The safer your caravan is then the harder it would be for individuals to break in. Therefore installing an alarm system, window and door locks can also help to keep down the cost of the insurance. Installing a smoke alarm will also help towards keeping down the cost of the insurance.

While you do want to make savings on your caravan insurance it is imperative to get the right cover. For instance if you rent out your caravan then you would need insurance that would protect against a loss of rental income if your caravan was damaged and you could not rent it while it was being repaired. If you were travelling around in a touring caravan then you would have to decide if you wanted European cover included in the policy before approaching caravan insurance brokers to find your quote. This is essential if you are planning on touring around Europe as it would pay out for recovery and repairs of your caravan. It would also pay out for you to stay in alternative accommodation while your caravan was being repaired. Without European cover you could have to pay a substantial amount of money out of your own pocket.

Buying and Insuring a Static Caravan

Owning a static caravan is a great way to take more holidays, at much shorter notice, and much cheaper than is normally possible.

However, if you’re thinking of buying a static caravan, then there are a number of things you should you should consider prior to investing your hard-earned money.

Unlike touring caravans, static caravans are subject to a number of geographical risks in the site where it is kept. The risk of such unforeseen events as falling trees, storms and flooding are overlooked by many people, despite how commonly they occur. There is also the risk that during the winter pipes can freeze and burst causing major headaches to static caravan owners.

When you have found a site you are interested in, it is important that you check with the owners whether the site has ever been subject to flood or storm damage. If it has then this could prevent you getting reasonably priced static caravan insurance for a caravan on the site.

Even if the site owners say it has not suffered flooding you should also check if the site is in an area that is at risk of flooding. To do this you need to know the post code of the site. If the site is in England or Wales, visit the Environment Agency website and input the post code into the box on the right hand side of the screen. If the site is in Scotland then you should check on then Scottish Environment Protection Agency website.

You can also check on Google maps to identify more precisely where the site and particular caravans are and then refer back to the flood map for a more precise indicator to the flooding risk presented. Areas that in particular can be problematic in terms of insurance because of flooding are Norfolk and Lincolnshire, low-lying coastal areas of North Wales, and sites close to major rivers such as the Avon and the Severn rivers.

You will find that nearly all static caravan/holiday home sales are of sited caravans. The sale will be made either by the owner in the case of a second-hand caravan (with the permission of the site owner), or by the site owner themselves.

Occasionally it may be possible to buy a site without a van upon it an arrange with the site owner to have it sited there. In such circumstances they will expect a significant payment for allowing the siting of a caravan as they would have expected to make a profit on the sale of a sited caravan.

As a result you will pay thousands of pounds more for a sited caravan than an unsighted caravan. But you should bear in mind that the amount of insurance should cover the true unsighted retail price of the caravan plus the cost of resiting a replacement caravan, along with the value of any additions such as storage containers, sheds and verandas, if it is damaged beyond repair or destroyed. You should also include an amount to cover contents and replacement of any equipment. You will find that some policies require that you include costs required for site clearance also.

In your contract there will be rules dictating what must happen in the event of your caravan being destroyed. This may be that the caravan must be replaced with a brand new equivalent model of caravan. If this is the case then you should buy a new-for-old caravan insurance policy, otherwise you may find that your policy falls an expensive way short of what is required.

You should bear in mind that signing up for a static caravan should not be undertaken lightly. The contract can be onerous, and you should seriously consider getting a solicitor to look over it, and make sure that you fully understand what you are signing up to before you put pen to paper. You should in particular make sure that:

  • You have security of tenure
  • You understand what will happen if you ever want to sell the caravan, and are happy with it.
  • You check if there are rules that force you to buy a new caravan after a set number of years.

A very useful publication from the Office of Fair Trading called “Guidance on unfair terms in holiday caravan agreements” can be found at their website.

If you do purchase a static caravan with the intention of renting it to people then you should ensure your insurance policy protects you against loss of income should your caravan should become uninhabitable. If you don’t then you could be hit with a nasty double whammy: the excess of any repairs; plus the loss of income while the caravan is being repaired.

You should also have liability insurance if you rent your caravan to people. Should someone get hurt as a result of something that is deemed to be your fault, then you could have the misfortune of finding yourself thousands of pounds out of pocket. Liability protection will make sure that any medical and court costs you may incur as the result of such an accident will be paid for.

Make sure that you get yourself informed if you are thinking of buying a static caravan, and make sure you have the right insurance policy. As with most things in life it is always better to shop around for your static caravan insurance, as this could save you a good deal of money. There are a number of excellent insurers on the market, ready to offer you just what you need.

Motorhome Body Repairs: Do You Know What Your Motorhome Is Made Of? Advice On Repair

Plastic mouldings ABS and GRP

Quite often, front panels are made from acrylic capped ABS plastic and some manufacturers have been known to use a gauge too thin for the purpose. These have been replaced under warranty in the event of failure, but this is not good news as this a standard material now for the fronts of caravans.

Different types of plastic

GRP (often called fibreglass) is usually rough on the unseen face and smooth on the other.

ABS plastic is normally smooth and shiny on both sides except when it is used for dark coloured bumpers where it tends to have a textured finish.

Although ABS can be repaired if necessary, there are far more GRP repairers out there who do a great job, partly because it is easier to match colours with GRP. Caravan repairers generally prefer to replace complete mouldings, which can be expensive. If you wish to attempt your own repairs, then in the UK you can buy Sikaflex 512 adhesive sealant and a surface filling compound. For more permanent repairs there are purpose formulated ABS repair kits which are more expensive at about £100.

Sheet GRP panels

These are often used in place of sheet aluminium which was used in the past. Skilful specialists can repair localised damage.

Monocoque body shells

These single moulded structures give massive strength and light weight. There seam free construction ensures there is never any ingress of water problems.

Aluminium skin

This was the traditional cladding for caravans, pre painted aluminium sheet. These are always full of holes as there are loads of screws holding all the external parts, like lights, number plates etc. When the bedding sealant fails, the caravan starts to leak and this is the normal demise of the previously dry van. When a caravan made like this receives damage, the normal strategy is to patch it up with a new piece of aluminium over the damage.

About campervan conversions

Campervans use their original vehicles steel bodies, so they are just repaired at a car body shop, just like a car would be. This is quite an attractive proposition when you think that any other body types may involve long waits for parts to arrive.