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As a first time caravan owner looking to reduce my 'van insurance premium, I've been speaking with the folks at Compare Caravan Insurance about how best to keep my costs down without affecting the level of cover on my 'van. Compare Caravan Insurance, who have been providing caravan insurance for 21 years and have recently launched insurance packages for motorhome users, gave me some sound advice. | ||
Increase your Caravan Security | ||
With the incidence of caravan and motorhome theft (even from owners' front driveways) being far higher than anyone wants to depress themselves thinking about, security accessories are a hot topic. Security is not only a great way of making the theft of your 'van less attractive but it can also help to reduce your insurance premium considerably. Of course it is worth pointing out that different insurance companies differ in the discounts they will offer against particular security devices. However, investing in a wheel clamp, like this insurance approved SAS Wheel Clamp or this Bulldog Titan 155D Wheel Clamp can help to knock off a sizeable percentage. |  SAS Wheel Clamp | |
Caravan Hitchlocks for SecuritySimilarly, a good quality, well-fitting hitch lock for your caravan can help to reduce your insurance premium. | ||
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Caravan Owner Club Membership | ||
As someone who prides themselves on standing apart from a crowd, this rankles a bit but savings are savings... becoming a member of a Caravan owners club, whether you like it or not, can help you make significant savings on your insurance premium, typically up to 10%. Now, whether the £44 register online membership fee for the Caravan Club in 2014-2015, or the £37 membership fee for the Camping and Caravanning Club are worth the reduction in your insurance premium is up to you! | ||
Embrace the Ageing Process - Really? | ||
We can reveal it here...one of the good things about getting older is the reduction in insurance premiums you'll enjoy on your caravan or motorhome insurance. Wrinkles and joint ache aside, you will find typical reductions of up to 10% as you pass the 40 year milestone and typically a further 10% when you pass the big 50 and head beyond. So, where does that leave the 30-somethings? Ah, we knew there was something to look forward to! | ||
Choose a Higher Excess? | ||
There's a basis level of excess on most caravan and motorhome insurance policies. However, if you agree to a higher level you will see a not-insignificant reduction in your premium. Typically, agreeing to a £250 excess could see approximately 5% discount and, if you are willing to commit to pay the first £500 in the event of a claim, you could find yourself saving as much as 10%. Of course, it's personal choice in the end: do you take the risk and enjoy cheaper caravan insurance? Will you be able to find that initial sum without leaving yourself too short for life's many other expenses? Worth considering, though... | ||
By Bekah Mardall, Leisureshopdirect. | ||
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