If you own a caravan anywhere in Australia, then it is imperative that you have good insurance for it all year round. This includes when it’s both stationary at a caravan park, or when you’re out on the open road using it with your family. But, let’s face it, finding a good deal from a reliable insurer can be boring and tedious. So, here are 5 top tips to help you out.
Carefully compare the premiums
If you are already on an insurance policy, then it’s important to never let it simply roll over. Providers tend to put premiums up year on year, especially when moving from the first to the second. Instead, take time to analyse the sign-up premiums on offer from all providers, as the first year is usually discounted.
Look at who you can get to repair any damages
If anything does go wrong and the insurer needs to pay to have your caravan fixed, they might limit you to very few repair shops. This is hardly convenient if you are halfway across the country. Make sure your insurer offers you flexibility in choosing your own repair shop if it ever comes down to it.
Make sure it covers personal content
It’s not just the caravan itself that’s at risk when you’re off on holiday but its contents too. However, many cheaper policies don’t actually offer content cover as well. This is crucial as, say something happened and the whole caravan was destroyed, you would then not get anything for the value of your expensive belongings inside.
What is their support and claims department like?
Again, if something does ever go wrong, you want to know the insurer has an easy process by which to support you. Ensure they have a call centre based in Australia, with helpful and friendly staff. To check this, it’s best to read online reviews of others who have had to make claims in the past.
Consider rolling all of your insurance cover to one provider
One of the best ways to save money on your caravan insurance is to roll it into an existing bundle of insurance. Such as for your home, car and healthcare. Not all providers offer this, but you might be able to get a big policy with one provider for everything and save a lot of money each year.
By following these 5 simple tips, you should be able to get a better quality insurance and at a better price as well.