There are 2 words in your request that don't necessarily go together - best & cheapest! We always insure via the Caravan Club; there are probably cheaper insurers but if you want satisfaction and a speedy settlement of any claim, then from all the reports posted on various forums you can't beat the Caravan Club. Luckily we have never had to make a claim, but I feel I have peace of mind should I need to make a claim.
Alan (the kiaman) & Sylvia - recycled teenagers (i.e. over 60!) 2013 Bailey S2 Unicorn Cadiz & 04 Kia Sorento CRDi XS Auto with Griffin Tuning Powerbox (175bhp)
Insurance for caravans can be a bit of a minefield.
It depends on your requirements and the cheapest is not always the best as there may be restrictions and exclusions which are no good for the type of caravanning you are contemplating.
If you are a member of one or both of the two main Clubs in the UK perhaps their insurance schemes would suit. After all, with all the knowledge and expertise amassed over several decades, if they cannot offer good and comprehensive cover for their members, who can?
The things to look at are:-
Do you want to caravan in the UK only? Do you want to take your caravan to the Continent? What is the current value of your caravan? How much equipment have you in the caravan and how much will it cost to replace? Are you looking at "new for old" cover?
The list goes on.
What you should be looking for is peace of mind so that, should you be unfortunate to have to make a claim, the insurer is with you all the way. Be careful when comparing insurance quotes that you are comparing "like for like". Some insurers include items which you may decide you can do without and others don't include things you may want. As a starting point, it may be worth finding a local caravan insurer or insurance broker and sitting face to face with them to discuss your requirements.
Have a look in any of the monthly caravan magazines such as Practical Caravan and, having set out your requirements, get quotes from a selection of insurers and insurance brokers. In other words, do your homework. Do, however, make sure that as I suggested earlier, you are comparing like with like. The Caravan Club for instance, is, perhaps, at first glance, slightly more expensive than some of the others but the cover is comprehensive and I have never had a problem when I have been unfortunate enough to have had to make a claim.
Hope the above helps you, but it boils down to you deciding what cover you require and then shopping around.
Hi Stephen, Welcome to the The Caravan Channel Forum.
I have been with the caravan club insurance for about 25 years now and have made 3 claims in that time, the most recent one is last year when we were unfortunate to have been involved with a heavy hailstorm whilst in France, on all the occasions have had no problems with the claims, the last one took them only 1 week (after getting back into the UK) to get an assessor out to view the van and within 2 days I got written confirmation for the work to go ahead they also sent the approval to Coachman. Within the month I had a brand new roof and roof vents fitted. So I would not be able to comment if you would get a better service from a "cheaper" Insurance Co, but as stated you can not mix "Cheap" with "Best".
It is really down to personal financial position.
I personally would not go anywhere else after my own experiences. Paul
2013(13) Kia Sorento Diesel 2.2 CRDI KX2 Manual - Towing a 2020 Coachman VIP 520 (@ 80.0%).
Just to make a change, I'm with caravan guard, reading through policy documents, very similar to caravan club, but quite a bit more cost effective. The key point is I don't intend going across water for a few years, and if policies stay the same, when I do, I think I'll be changing to caravan club as well. There must be some grumbles about their service, but I'll be beggered if I can find them !!!
Senator 6 Wyoming, Jeep Grand Kareeoke, Full Wine Cellar, but still keepin' it country.