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.

So he then called his broker and said that he was looking for some caravan insurance. His broker then told him that that shouldn’t be a problem and he would be more than happy to get him a quote. So Chester gave his broker the details of the caravan and where it would be situated.

A few minutes later the broker called him back. Unfortunately he would not be able to give Chester a quote for the caravan insurance. Although the caravan site met all the normal criteria, there was a problem with the beauty spot itself. It was on the banks of the river, right at the water edge, and the Avon had flooded last year. Chester remembered seeing the reports on the news. Apparently there had been lots of claims for flood damage and insurers were unwilling to write any new caravan insurance for sites on the banks of the Avon. If he was going to buy a caravan there, it would be at his own risk.

This news meant that Chester would have to re-think his ideas about buying a caravan. Since it was highly likely that the Avon would flood again at some point, he couldn’t afford to risk placing it there without insurance. He asked his broker what the “normal criteria” of a caravan site was so that he could bare it in mind if he was still going to go ahead and buy his caravan.

A registered CaSSOA site is ideal for caravan insurance providers. The reason for this is that these sites have security standards. Another thing to look for in a caravan site is a secure boundary like a fence or a tall, thick bush running around the boundaries of the site. If the caravan is to be placed in a less formal location, such as a farm, then the caravan should have its own compound and it own defined perimeter. Some insurance providers insist that a caravan site must have a certain number of caravans placed there before they will insure any, safety in numbers as it were.

Before this, Chester hadn’t really given much though to caravan insurance. He didn’t think it was going to be such a big part his decision to buy a caravan. All he knew was that he was grateful to have a good broker who knew how to take care of it all because after all, all he really wanted to do was enjoy his caravan. The insurance was just to take the worry out of owning it.

Caravan insurance is one of the biggest 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

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 owners of motorhomes rent out their motorhomes for events like this because they know that lots of people enjoy music festivals but don’t look forward to the camping, however what a lot of them don’t realise is that doing this, while perfectly legal, is usually not covered under a standard motorhome insurance policy.

I remember seeing a couple at Glastonbury last year, blissfully leaving their motorhome in the sunny early hours of the morning having breakfasted under the awning, only to return late at night to find that one of Glastonbury’s famed monsoons had filled the awning with water causing it to twist, break and generally be ruined, That’s about 1000 worth of damage and all uninsured if the vehicle had been hired out without the authority of the insurance company.

It pays to think about insurance if you’re going to let your motorhome go to Glastonbury or any other festival this year.

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 visit Coversure, they are among the leading providers of all kinds of vehicle insurance providing everything from basic car insurance to caravan insurance

I read an article in Insurance Times a few weeks ago where the financial ombudsman had said that he would support a policyholder against the insurer, excluding claims for leaving keys in or near a vehicle. I then wondered if the same would apply to a motor home.

So the family and I had rather a late night in our motorhome playing cards and so we were all quite tired when we eventually turned in for the night, meaning that the next morning we were already late for our arranged meeting with our friends and fellow motor-homers the Wilsons. Then came the usual morning commotion, the queue for the shower and the breakfast rush, then by the time we were ready to leave our friends had decided to explore the countryside without us.

I then realised I couldn’t find the keys so the whole family got together and we searched to motorhome high and low. With my usual patient and calm demeanour I accused each family member of stealing the keys, which was followed by more accusations of half-hearted searching for the keys, before finally accepting my son’s story that aliens had come from mars and stolen the keys. So I then went to get my phone from the cab so that I could call my insurance company for help. I was stranded in a field with a miserable family and to make things worse, 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 leading service in motorhome insurance contact Coversure insurance. They provide motorhome insurance is a cut above the restand you’ll leave with the peace of mind that you need when you’re on your holidays.

The 1970′s rock band Caravan once released a rather oddly titled album called “For Girls Who Go Plump In The Night” which, let’s be honest, isn’t the kind of thing you’d expect to read in an article about caravan insurance, even if the writer owns one (a caravan that is!) An insurance man in a caravan is perhaps not that strange, but an insurance man in a caravan listening to Caravan? No way!

I’m not sure what got me thinking about this subject; I think it was looking back at some photographs of last years Glastonbury festival and noticing, in one guise or another, just how many caravans were there. Obviously as an insurance man I was thinking about their insurance cover and whether or not the underwriters were actually aware just what they were being used for.

Caravans were being used for almost everything you can think of that needs a sturdy shelter, i.e. people were living in them, some were being used as resting places for tired musicians, some were being used for paid showers and some were being used shops by refreshment vendors, and I still mean proper caravans, not mobile catering units.

In the camping areas there were caravans being used as shelter from the rain for the security staff, as meeting points for lost festival goers and as weekend homes for ageing rockers who either could no longer handle the rough nights of tent camping, or who just happened be fellow caravan fans.

Of course, another big user of caravans at music festivals are the musicians themselves. They usually have massive ones with an extra wheel at the front for steering and they use them for changing in, for hosting after-show parties in and doing whatever it is that rock-stars do.I dread to think. Saying that, I’m not sure if Caravan ever used one, that’d just be too good to be true wouldn’t it? Caravan in a caravan listening to their first album (which is called, you guessed it, “Caravan”). Or even better, maybe they went along in a convoy with their friends – a caravan of caravans including a caravan with Caravan in it, listening to Caravan!

But anyway, before I started ranting about rock-stars in caravan convoys I was thinking about whether or not these caravans had the correct insurance cover and lets be honest, the answer is probably not. If you are considering taking your caravan along to a festival this year then it is well worth thinking about getting proper insurance cover for it. Caravans can be damaged in all kinds of ways, especially at festivals where the fun loving, free-partying atmosphere can sometimes cloud people’s better judgement and out of control festival goers and crowds and the like can do a lot of damage to your caravan, whether it is intentional or not. It could simply slide off on its own if the mud gets too wet, they can flood, catch fire, get blown away, and almost anything you can think of can happen. Fortunately you can insure caravans against more or less anything that could happen to it, even if it gets rammed into by an uninsured caravan being used as a refreshment stand!

Coversure are one of the country’s leading providers of caravan insurance if you are thinking about taking your caravan anywhere where it would be even remotely at risk, like at a music festival, you should think about taking out some caravan insurance so that you can just enjoy the festival without worrying too much.

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.

Initially you will need to think about the type of insurance you require. If you have a caravan that you tour in you will need to opt for a certain sort of policy. If you own a static caravan you will need a policy that covers this.

You will also need to make sure that the items in your caravan are covered. Many people overlook just how much the contents of their caravan are worth. Make sure that you have noted any expensive items when you obtain your insurance and you will be covered.

Some insurance providers will give their customers added extras. For caravan insurance companies this is often in the form of newsletters or magazines. These show off any special discounts or freebies that members can use. They also highlight any new areas that can be visited in a caravan with reviews from customers.

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.

Following these simple pieces of caravan insurance advice will mean that you get the best premium. Being insured is crucial if you want to enjoy your caravan without worrying. So get a quote today and get the policy that suits you.

Check out more about caravan insurance by heading online. Learn if you need to have caravan insurance or not and what coverage is best. Go online now and learn more.