hi,will be taking delivery of my 3 year old hymer caravan in 2 weeks,any one recommend an good value insurance company
what insurance for a new caravaner
- Thread starter mav156
- Start date
Parksy
Moderator
Hi Maverick
I'd advise you to contact both the Caravan Club insurance and Camping and Caravanning Club Clubcare insurance to give you some idea on price.
Compare their policies with others to check what is covered besides the actual caravan eg awning, personal posessions etc and how easy the terms of the policy are to understand.
Check how much excess applies to every quote as well as any other terms and conditions such as security and storage.
Insurance is not always about the price of the policy but what happens when things go wrong and both clubs have excellent reputations in this respect.
I'd advise you to contact both the Caravan Club insurance and Camping and Caravanning Club Clubcare insurance to give you some idea on price.
Compare their policies with others to check what is covered besides the actual caravan eg awning, personal posessions etc and how easy the terms of the policy are to understand.
Check how much excess applies to every quote as well as any other terms and conditions such as security and storage.
Insurance is not always about the price of the policy but what happens when things go wrong and both clubs have excellent reputations in this respect.
Some insurers will not insure foreign manufactured caravans, Towergate Bakers are ok for Hymers and will offer a choice of new for old, market value or agreed value cover.Tel 0800 4961516
Hi Maverick,
We bought our first caravan earlier this year and, after looking at a number of insurance companies, chose the Caravan Club. It was a bit more expensive than most of the others but, to us newcomers, looked like a good comprehensive policy from people who knew their stuff.
Most of the others demanded silly security measures - like fitting a wheel clamp when you stop for a couple of minutes at the services - that kind of thing.
So, anyway, we decide that, as we were new, we would go with the one that we knew would be okay.
We bought our first caravan earlier this year and, after looking at a number of insurance companies, chose the Caravan Club. It was a bit more expensive than most of the others but, to us newcomers, looked like a good comprehensive policy from people who knew their stuff.
Most of the others demanded silly security measures - like fitting a wheel clamp when you stop for a couple of minutes at the services - that kind of thing.
So, anyway, we decide that, as we were new, we would go with the one that we knew would be okay.
I have to disagree with your logic that it is silly to request (through insurance) that you fix a wheel clamp "evenwhen leaving your van for a couple of minutes" at a Service Station. It doesn't take long at all for thieves to unhitch and steal a caravan. Some caravans are actually targetted in such areas.
We would never leave our unit unattended at a Service Station. So this requirement would not apply.
A couple of years ago we pulled into a Service Station and actually witnessed a scruffy person walk round the back of a parked unit and try the caravan door. The driver I might add was still at the wheel of his car and was oblivious to any problem! Having witnessed this we immediately made loud noises and averted the problem --- the 'intruder' made a quick get away. Following this the driver stood outside his unit until the wife returned. Shaken he drove away. It was a close call.
Ann
We would never leave our unit unattended at a Service Station. So this requirement would not apply.
A couple of years ago we pulled into a Service Station and actually witnessed a scruffy person walk round the back of a parked unit and try the caravan door. The driver I might add was still at the wheel of his car and was oblivious to any problem! Having witnessed this we immediately made loud noises and averted the problem --- the 'intruder' made a quick get away. Following this the driver stood outside his unit until the wife returned. Shaken he drove away. It was a close call.
Ann
Hi Ann,
I agree that it is sensible to secure the van at the services - even for a couple of minutes, but the point I was trying to make was that these sorts of stipulations tend to appear in the small print and are easily overlooked - until you need to make a claim!
A lot of insurance companies require a wheel clamp to be fitted immediately the van is left for any time at all - sometimes also when the van is in secure storage.
Now my reason for choosing, and recommending, the caravan club is that they are not so strict - a wheelclamp still needs to be fitted once you are on site, but you have a couple of hours to put it on after arriving. Also, they don't require wheelclamps to be fitted in storage - which is fortunate because our storage firm don't allow wheelclamps.
But really I recommended the Caravan Club because, being new to caravanning, there was less for me to think about! Their flexibility regarding security meant that if, in my naive enthusiasm, I forgot to read the small print and made one or two mistakes, and the worst happened, my insurance would probably still be valid!
I know we should all read the small print and make sure we know what we are signing up for but, if you are just starting out, it can be very confusing and things can be overlooked.
I agree that it is sensible to secure the van at the services - even for a couple of minutes, but the point I was trying to make was that these sorts of stipulations tend to appear in the small print and are easily overlooked - until you need to make a claim!
A lot of insurance companies require a wheel clamp to be fitted immediately the van is left for any time at all - sometimes also when the van is in secure storage.
Now my reason for choosing, and recommending, the caravan club is that they are not so strict - a wheelclamp still needs to be fitted once you are on site, but you have a couple of hours to put it on after arriving. Also, they don't require wheelclamps to be fitted in storage - which is fortunate because our storage firm don't allow wheelclamps.
But really I recommended the Caravan Club because, being new to caravanning, there was less for me to think about! Their flexibility regarding security meant that if, in my naive enthusiasm, I forgot to read the small print and made one or two mistakes, and the worst happened, my insurance would probably still be valid!
I know we should all read the small print and make sure we know what we are signing up for but, if you are just starting out, it can be very confusing and things can be overlooked.
We are with Park Homes who are underwritten by Zurich. They were recommended to us and just require the standard wheelclamp and hitchlock within 2 hours of unhitching. Some quotes we had were insisting on an infra red 'shed' alarm when in storage and 2 wheelclamps. Never had to claim, touch wood, so can't comment on that but they have been very efficient when sending the policy documents etc and when we added our motor mover to the policy. The actual policy document isn't that long either so not a lot of hidden small print. They were over
Hi,
Traker fitted to you van is a very good option to think about its around 400 but with traker its fitted in nearly all traffic vehicles in England and Wales and can even be traced in Europe well worth the
Traker fitted to you van is a very good option to think about its around 400 but with traker its fitted in nearly all traffic vehicles in England and Wales and can even be traced in Europe well worth the
Facebook
Twitter