If your caravan insurance quote is too high, you’re not alone. The cost of insuring a caravan is higher than many people realise.
Caravan insurance quotes can be very expensive and it’s important you find ways to reduce the cost of your cover.
Here are some tips to reduce your caravan insurance quote:
Check your van’s value – Caravans are eligible for third party fire and theft cover, but most insurers only offer this as a standalone policy option with a separate premium. You may be able to get this added onto your home contents policy at a lower cost than if it was purchased as an additional item on its own.
Compare prices – Before committing to any one company, compare quotes from several companies using our comparison tool here or visit our website for more information on how we compare caravans with other types of motor homes and other types of vehicles.
Take out comprehensive cover – Comprehensive cover offers comprehensive protection against theft and accidental damage to your vehicle, regardless of whether it’s parked in your own garage or somewhere else entirely. It also covers vandalism, fire and explosion if you have a campervan that doesn’t have built-in heating or cooling systems installed within its interior fittings.
Reduce your age – If you are older than 45 then you may be able to reduce the price of your insurance by up to £70 per year. This is because younger drivers usually have less experience behind the wheels, which means they are more likely to commit offences or accidents.
Reduce the value of your vehicle – You can lower the value of your car by up to 50% if it has been used for commercial purposes such as transporting goods or people for a fee in the past 12 months. For example, a caravan that was used solely as a home would be worth half its full value as it would not be used in this way. If it has been used for commercial purposes then it is also possible to reduce the amount of cover available on your policy by up to 50% if you can prove this was done legally and legitimately!
Reduce mileage – If your van has travelled more than 10,000 miles since purchase then it is likely that this will result in a higher quote than if it had just been purchased and driven around town!