Posts Tagged ‘protection’
Friday, July 30th, 2010
It was five years ago, on my yearly trip to Leeds Festival that I became a caravan lover. That year I didn’t have an early pass and was eager to find a place to camp before there was no space left when the strap on my main rucksack broke. I balanced it on my tent bag and trudged on through the, now fluid, mud. Subsequently this additional weight then broke the strap on my tent bag, leaving me stranded.
Luckily some friends of mine were nearby in the caravan section and helped me carry my things to their caravan. What luxury! It was only an inexpensive caravan but compared to my one-man tent in which I couldn’t lie down straight, even without my bag, it was brilliant. How jealous I was of their luxury caravan when I opened my bag to find half of my things broken and damaged by the fall in the mud.
The next year I was naturally in one of those dry, warm caravans and happily watched the other festivalgoers struggle with their bags. Apparently my luck hadn’t improved and the caravan flooded. Again my new Top Shop inspired festival wardrobe was destroyed along with most of other caravan.
Thankfully I’d thought to make sure contents were included on my caravan insurance. We didn’t have to worry about the harm to the caravan and I would even say we enjoyed living in the damp for three days. When all said and done, it is all part of the festival experience.
Now we have annual caravan holidays abroad, which are ideal for a low cost holiday with friends. I wouldn’t stop my caravan holidays for anything and definitely wouldn’t risk an uninsured driver hitting us and spoiling our tradition. Since the flood incident I always make sure we have the right insurance cover for whatever country we happen to go to, it’s so critical to have the right cover for European travel.
If you’ve an RV then you have good taste, and really recognize how to have fun. Enjoy your motor caravan and go on holiday. But don’t forget that holidays are meant to be strain free; with our less than reliable weather this isn’t forever the situation. Get the right cover for your vacation and have a good time!
You will need to ensure that when you go to your festival or off on your holiday that you have the correct caravan insurance to cover every possible scenario. Coversure are a trusted insurance broker with strong relationships with insurance providers. They will be able to get you the best deal on your caravan insurance.
Tags: affordable travel Insurance, auto, finance, holiday, insurance, leisure, protection, security, travel, vehicle
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Sunday, July 25th, 2010
There is nothing better than a glass of Scrumpy cider after a long day of surfing in Cornwall or Devon but there is nothing as bad as trying to get warm and dry in an already damp tent. This is one of the reasons why I no longer camp on my annual pilgrimage to the beach. This summer many hundreds of surfing amateurs and pros alike will be headed for British and European seas, and more of them than ever are going by caravan.
Caravans are by far the best choice for a surfing holiday; there is numerous space for wet suits, towels and surfboards. I don’t have mine board but it’s much less costly to lease one for the week in place of a day. It is not just at a lower cost but you have the chance to really get the experience of the board. Hiring a board for the seven days is pretty challenging without a caravan; even a short board would be difficult to squeeze in a tent. This is one of the reasons why I feel like a pro every year, despite sitting on my board in the green waves and looking for seals for the majority of the day.
The problem with caravans is the insurance. Many people forget to ascertain if their insurance can give them the cover they require. If travelling to Europe then you have to make certain you have the right European caravan insurance or else you might be left less mellow than the standard surfer when something goes wrong! Don’t let some uninsured driver make you miss the surf this year, get caravan insurance!
Surfing all day means leaving the caravan unattended. Any true surfing lover will realize that the early surf is the better. When all said and done who would like to share the waves with the foam board tourists? That’s why you ought to ensure that your caravan insurance safeguards your contents. Particularly if you have any second boards left in it! A great specialist caravan insurance broker will be in a position to talk you through exactly what your policy includes.
Surfers are meant to be worry free so let someone different do the worrying! Don’t leave anything to chance this summer and get the correct insurance for your caravan. Don’t forget that mileage, overseas travel and what you require to safeguard can all affect your cover so chat to a broker that can find the proper policy for you. Enjoy the surf!
It’s sometimes hard to get caravan insurance to cover exactly what you need it to. If you want to ensure that you don’t get swindled by your insurers it’s best to get hold of an insurance broker that has existing relationships with insurance providers and who know their field inside out. Click on caravan insurance to go to Coversure’s website.
Tags: affordable travel Insurance, auto, finance, holiday, insurance, leisure, protection, security, travel, vehicle
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Saturday, May 29th, 2010
This Easter saw caravan holidays rise to the status of “most convenient” after the eruption of the Icelandic volcano saw most aeroplanes around the world either completely grounded or at least disrupted.
It was an extremely satisfying feeling, pulling my caravan home under clear, aeroplane-free skies and not worrying in the slightest about whether my insurance covered me against volcanic eruptions happening in far off countries. As a caravan lover, I felt vindicated. The next time someone says that towing caravans is slow and holds up the roads, remind them of the time back in Easter 2010 when a caravan could get from anywhere in Europe, to nearly anywhere else in Europe faster than the average plane.
Also, the “cramped and claustrophobic” conditions that so many people associate caravans with seemed like the most luxurious and spacious of interiors compared to a hotel lobby or a space on an airport floor.
Of course, between those of us who understand the beauty behind caravan holidays this is all irrelevant. We each like doing our own things in our own leisure time, and how boring would the world be if we all liked the same things? However, the reason for this little gloat is that people who, as a rule, don’t do caravans, tend to make fun of those that do, and we rarely, if ever reciprocate.
So… given that we didn’t have quite the same concerns this Easter that many other holiday makers had, what were we thinking about? I’d like to hear some good stories. I wasn’t thinking about whether my insurance covered me for all those untold additional costs that the plane brigade were worried about, but I did have some additional costs to think about. And they were costs that I couldn’t insure against too.
I took the latest edition of Caravan Magazine with me on my travels because we are thinking of buying a new caravan soon and we had planned to read all about the cost of our next purchase, but ended up reading their insurance survey. It seems after reading this survey that because I couldn’t be bothered to buy my insurance through a broker, I overpaid for it by quite a lot. If you are looking to get cheap caravan insurance it would be well worth shopping around because there were loads of comparisons in Caravan Magazine and I was quite surprised by some of the results.
If you are looking for caravan insurance, but want to make sure you get the best deal possible, you should arrange it through Coversure. They are an insurance broker with long-standing relationships with providers and can always secure a fantastic deal on static caravan insurance or touring caravan insurance.
Tags: advice, affordable travel Insurance, auto, contract, finance, holiday, insurance, law, legal, leisure, misc, protection, security, travel, vehicle
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Sunday, May 2nd, 2010
Whether the caravan you own is static or if it is one that you can attach to your motor vehicle you should make sure it is insured just as you would a house, car or business. I would like to tell you what caravan insurance will cover you for and which kinds are available so you can choose one that is right for you.
The first thing you will need to think about is whether your caravan is to stay in one place or if it is a touring one that will be taken all over, this will greatly affect the type of insurance you need and your premiums. Think about the items you will be keeping in the caravan in the long and short term so that you will be able to give prospective insurers an idea of how much coverage you need for personal belongings.
People who own static caravans often have furniture or add a patio to the outside so you will want to speak to the insurer about whether they will cover these also as these will be the most vulnerable items that are not under lock and key.
People will steal a caravan if they can make money from it whether it is on your drive or try to break in if you are in a holiday park. Security measures can never be 100% foolproof and criminals are always finding ways around even the latest technologies. Of course it will be distressing enough if you are a victim of such crime but you should make sure that you do have the coverage so that you can replace anything that is damaged or stolen without having to use your savings to do so. It ill depend on the coverage you choose as to whether you will receive an old for new or whether you will be given the market value of the caravan at the time.
It is worthwhile making sure that you have caravan coverage. This will ensure that should any accidents occur, whether on the road or when the caravan is static that you will be covered. It will also make sure that your belongings are covered whether you are at home or away.
The coverage is also great for those who live in their caravans full time. This is because it is usually harder to secure your caravan in the way you can a house or apartment, so you will want to make sure if there are any losses you are able to claim them back.
Caravan insurancecaravan Insurance is one of the most important things that you need to get in this day and age. There are tons of benefits that you should look into when you get this kind of Insurance.
Tags: advice, affordable travel Insurance, auto, contract, finance, holiday, insurance, law, legal, leisure, misc, protection, security, travel, vehicle
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Thursday, April 29th, 2010
Caravans and motorhomes have made a significant comeback this year. The insurance brokers have noticed it and there’s no doubt that the caravan parks and travel agents have noticed it as well. It seems that with the economy in the state that it’s in people want to save money and so have decided against expensive holidays abroad and chosen to stay a little closer to home for a fraction of the price.
The National Caravan Council state that there are now five hundred thousand caravans being used on a regular basis across Britain by around 1.5 million caravan lovers. Alongside this, the Camping and Caravanning Club has seen a huge rise in bookings or around 21%. So overall, caravan manufacturers aren’t complaining about the recession!
However, one thing that all of this means is that the roads are going to be getting busier this summer and taking more and more punishment from people driving up and down the country to and from their holiday destinations. All this will be combined with the beating that the roads took over the harsh winter. Everyone has noticed the big potholes that have sprung up.
I wonder sometimes when I see these huge chasms in the road whether I will spot a kangaroo head popping out! I’m sure that these vast potholes must be causing damage to vehicles of any description, indeed, I’m sure that they must even cause accidents sometimes!
It is not a compulsory thing to have caravan insurance. However while it is optional, it is highly advisable that you take some out, after all, you wouldn’t want to pull any other valuable belonging of yours behind your car or leave it on its own in a park without having insurance for it would you? There are over 30 companies who provide caravan and motorhome insurance and so there is specialist advice out there, it’s just a matter of having the will to look for it. It is advisable to get a broker to help you track down the best deal for your specific needs as it’s good to get advice from a real person and to have your questions answered with no hassle.
If you are looking for caravan insurance, the best idea is to have a broker secure you the best deal possible as many of them have long-standing relationships with the insurance companies and so can get you the caravan insurance for a cheaper price.
Tags: advice, affordable travel Insurance, auto, caravans, finance, holiday, insurance, leisure, misc, protection, Roads, travel, vehicle
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Tuesday, March 23rd, 2010
If you are anything like me, your getting on a bit and you probably think you’ve seen the last of your summer music festivals with sweltering and uncomfortable tents as your only place to sleep. However, if you’re still into your music (I particularly like early 70’s bands like Soft Machine and Caravan) then you could always bring your motorhome (or someone else’s) along to a music festival and enjoy the music and the atmosphere without the rough sleep under canvas. You can listen to Caravan in your caravan!
Many people have found that the motorhome route is the one to take if you want the best of both worlds. You get all the atmosphere of the festival with the added bonus of a shower and a cup of tea in the mornings, there’s no queue for the loo and the bed is guaranteed to be dry and warm, or at least it will be as long as you don’t leave the sunroof open in a downpour!
Many motorhome owners who aren’t into music festivals and the like have been known to rent out their motorhomes to people who are so that they get some money from their dormant motorhome, and someone else gets to enjoy a music festival in comfort. However, while this is perfectly legal, most people don’t realise that if something was to happen to their motorhome during the event, it would not be covered under a standard motorhome insurance policy.
A distinct memory of last year’s Glastonbury festival was of a couple leaving their motorhome having had their breakfast and prepared for the day, only to return later in the day to find that one of Glastonbury’s infamous rain storms had weighed down the awning outside it and caused it to bend and break meaning it was more or less ruined. This would have been probably over 1000 worth of damage and if they had hired the caravan without letting the insurance company know, then it would be completely uninsured.
If you think you might like to take your motorhome to Glastonbury or a similar festival, or that you might let someone else take it, it is well worth getting it covered for the trip as you really don’t know what might happen.
Best start by letting your friends have it first if you’re not going yourself, especially if you have standard insurance cover. Your local insurance broker can advise you about cover if need be but adding friends or family to an existing insurance policy is definitely the best way to go. This way you can watch the festival from the true comfort of your front room safe in the knowledge that the motorhome that is your pride and joy is being properly looked after and if not, at least you know you have the right insurance. Now where is that old Caravan t-shirt?
If you are looking for motorhome insurance then you should check out Coversure, they are one of the best providers of vehicle insurance providing everything from standard car insurance to caravan insurance
Tags: advice, affordable travel Insurance, auto, contract, finance, holiday, insurance, law, legal, leisure, misc, protection, security, travel, vehicle
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Saturday, March 13th, 2010
There is a rather oddly titled album by the 1970’s rock band Caravan called “For Girls Who Go Plump In The Night” now I know that this is not the kind of thing you would expect an insurance man to be writing about or even to know, even if he does own one (a caravan I mean!) An insurance man in a caravan is quite possibly not that uncommon, but an insurance man in a caravan listening to Caravan? Surely Not?!
Although I’m not entirely sure why I start thinking about this, I’m pretty sure it’s because I was looking back at some photos of last year’s Glastonbury festival the other day and I noticed just how many caravans were there in one get-up or another. Being an insurance man, I was of course thinking about the cover they had and whether or not the underwriters knew exactly what they were being used for.
If memory serves me correctly there were caravans being lived in, housing first aid helpers, acting as tea shops (and I don’t mean mobile catering units, I mean caravans, proper ones with curtains) used as rest homes for tired musicians and even as the home of paid for showers.
All over the camping fields there were caravans being used as shelters for security staff or meeting points for people who were lost, or as temporary accommodation for ageing rock fans who could either no longer handle the discomfort of tent camping, or who were just fellow caravan fans!
Of course, the musicians themselves are among the biggest users of caravans at music festivals, they usually use the huge ones with extra wheels on the front for steering and they use them for changing in, preparing for the show in, and then use them to indulge in general after-show rock-star behaviour which I think is probably best left to the imagination! I’m not sure if Caravan ever used one, I think that would just be too good to be true! Caravan in a caravan listening to their debut album (which was called, as you may have guessed, “Caravan”). Or even better, if they had arranged a convoy with some friends, a caravan of caravans including a caravan with Caravan in it listening to Caravan!
But I digress; as I said a few long paragraphs ago, all these caravans got me thinking about the right kind of insurance to take out for this kind of venture, and whether or not any of these people had the correct insurance, I think the answer is probably not. However if you are thinking of taking a caravan to a music festival or somewhere similar, it’s definitely worth taking out the proper insurance because anything can happen in those kind of “free-partying” atmospheres where people are intent on letting their hair down and are perhaps not in their clearest state of mind and caravans can easily get damaged either by careless party people, or by simply sliding off on its own in the slippery mud, it could flood or catch fire or get blown away in the wind. Fortunately you can take out insurance policies to cover more or less anything that could happen to it, even being hit by an uninsured caravan posing as a tea shop!
Coversure are one of the country’s leading providers of caravan insurance if you are thinking about taking your caravan to a place where it would be even remotely at risk, like at a music festival, you should think about taking out some caravan insurance, this will set your mind at rest when you leave it to go and do what you really want to do.
Tags: advice, affordable travel Insurance, auto, contract, finance, holiday, insurance, law, legal, leisure, misc, protection, security, travel, vehicle
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Thursday, March 4th, 2010
Insurance Times published an article recently stating that the financial ombudsman had decreed that there are certain circumstances in which it would back the policyholder over the insurer, excluding however, instances where keys have been left in or near a car. I was then left wondering if the same would apply to motor homes.
On a recent motorhome holiday my family and I had had a late night playing cards and when we eventually turned in, we were all very tired and so we woke up the next day already late for our arranged meeting with our friends and fellow motor-homers the Wilsons. Then of course we had the morning rush and the queue for the shower and by the time we were ready to leave our friends had decided to explore the countryside without us.
Then I couldn’t find the keys. We looked everywhere, and in my usual patient and understanding way I first accused every member of the family of hiding them, progressed to accusing them of not helping me to look for them properly and concluded by accepting my son’s version of events that aliens had come from Mars and stolen the keys to my motor home. I went to the cab to get my mobile and call my insurance company for help. I was stranded in the middle of a field with a grumpy family… and it was about to rain.
There, sat in the middle of the cab, next to my mobile phone were the keys! I had left the keys to my pride and joy on display in the cab, and I couldn’t help but wonder if the motorhome would be insured if it had been stolen under these circumstances, and so my mind wound its way back to the Insurance Times article.
If my motorhome had been a car the ombudsman would have considered
Location
Was I in a position to deter a thief
Was I recklessly ignoring the risks
Mitigating factors
Whether I knew about the exclusion in the insurance policy
I would like to think I would have been given this kind of consideration as well with my motorhome. I would say you have a much higher chance of getting a comprehensive insurance deal to cover any situation if you go through an insurance broker.
For a class leading service in motorhome insurance contact Coversure. Their motorhome insurance is unmatched by other companies and you’ll leave with the peace of mind that you need when you’re on your holidays.
Tags: advice, affordable travel Insurance, auto, contract, finance, holiday, insurance, law, legal, leisure, misc, protection, security, travel, vehicle
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Wednesday, March 3rd, 2010
Chester Cooke was excited by the prospect of buying a caravan on the banks of the River Avon, not far from Stratford, on a professionally run, well maintained and gorgeous site with lots of amenities. Being a diligent kind of chap, he looked into all of the potential issues, after all you can’t be too careful with the thick end of twenty grand plus annual service charges, which didn’t include insurance for some reason.
Chester then called his broker and explained to him that he was looking for some caravan insurance. His broker then told him that he would be more than happy to find him a quote, and so Chester gave him the details of the caravan such as the size, type and value, as well was where it would be situated.
A few minutes later, the broker called Chester back and said that unfortunately he was not able to find any insurance companies that would offer him insurance, not because of the caravan itself, or even the site that he had chosen, but it was to do with the exact spot that he had chosen. It was right on the bank of river Avon, which had flooded the year before, causing a massive number of insurance claims on the grounds of water damaged property, and so now insurers were very wary about insuring caravans that were right on the water’s edge. This meant that if Chester really wanted the caravan, and he wanted it right there, it would have to be at his own risk.
This news meant that Chester could not have his caravan exactly where he wanted because it was quite likely that the Avon would flood again at some point in time and he could not afford to have a caravan there without it being insured. He asked his broker about other “normal criteria” for caravan insurance so that might continue pursuing his plans to buy a caravan.
Ideally the site should be a registered CaSSOA site. There are insurance discounts for these because they have minimum standards of security. If the caravan is to be sited more informally, on a farm for instance, the caravans on the farm should be in their own compound with a defined perimeter. Some insurers insist that there are a minimum number of caravans on the site, safety in numbers as it were. Finally Chester should look for a site with good security, a mature hawthorn hedge or palisade fencing marking the boundaries.
Chester hadn’t thought that insurance would be such an important consideration when he was buying his caravan. He was grateful that he had a knowledgeable broker who could give him all this education and he was definitely going to check it all out again before finally taking the plunge and buying a caravan. After all, he just wanted to enjoy his caravan and the insurance was only to take the worry out of the ownership.
Caravan insurance is one of the most important factors to take into consideration when thinking about buying a caravan. Coversure are a leading provider of caravan insurance and can offer you advice, or a quote to insure your caravan
Tags: advice, affordable travel Insurance, auto, contract, finance, holiday, insurance, law, legal, leisure, misc, protection, security, travel, vehicle
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Thursday, February 18th, 2010
Going on holiday in a caravan is great fun for all ages. In order to make sure that you get the most from your caravan you need to have insurance for it. This will protect your caravan against it being stolen or damaged in some way. If this is something you are considering here is some straightforward and simple caravan insurance advice.
Before you take out any insurance it pays to know there are many types. So if you have a touring caravan you will need different cover to someone who has their caravan on the same site constantly. So bear this in mind when you are selecting your insurance.
If you have anything that is particularly expensive in your caravan make sure you include this on your policy. Failure to do this will mean that you will not be able to claim for single, high cost items. So take a look in your caravan and mention any costly items.
Some of the insurance companies that provide caravan insurance will also bring out magazines on a regular basis. These will feature special offers and new caravan sites that are of interest to people who enjoy caravans. So if you would like more information on caravans and so on, think about this when purchasing insurance.
Obtaining as many free quotes as you can is a wise idea too. This will make sure that you are getting the best price for your insurance. You might also find an insurer that you have previously not heard of before who will provide you with the cover that you need.
By applying this caravan insurance advice and help you will get great cover. You should never leave insurance to chance, so be proactive and get a low cost quote now. Then you can enjoy your caravan every time you use it.
Learn more about caravan insurance by going online. Learn if you need to have caravan insurance or not and what coverage is best. Jump online today and learn more.
Tags: advice, affordable travel Insurance, auto, contract, finance, holiday, insurance, law, legal, leisure, misc, protection, security, travel, vehicle
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