Mar 15
Timothy Simons GrimshawTravel Tips advice, auto, contract, finance, holiday, insurance, law, legal, leisure, misc, protection, security, travel, Travel Tips, vehicle
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!
What many people have found with the motorhome route that you get the best of both worlds really because you can enjoy the atmosphere of the festival and of course the live music, but you get a cup of tea every morning, there are no queues for toilets and showers and you have a comfortable, dry bed to sleep on every night!
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.
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.
If you’re not going yourself, it is probably best to start by loaning your motorhome to friends or family rather than people you don’t know because adding friends or family to an existing insurance policy is by far the easiest way to go. So you can watch the festival from the comfort of your own home, safe in the knowledge that your motorhome is being looked after and even if it isn’t, you’ll know you have the right insurance to cover it.
If you are looking for motorhome insurance then you should visit Coversure, they are one of the best providers of all kinds of vehicle insurance offering everything from basic car insurance to caravan insurance
Mar 12
Timothy Simons GrimshawTravel Tips advice, auto, contract, finance, holiday, insurance, law, legal, leisure, misc, protection, security, travel, Travel Tips, vehicle
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 in the middle of the cab, sitting next to my phone, were the keys! I couldn’t believe that I’d left the keys to my beloved motorhome in the cab. Being an insurance man I couldn’t help but wonder if my motorhome would have been insured if it had been stolen under those circumstances. And so my mind drifted 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. Their motorhome insurance is a cut above the restand you’ll leave with peace of mind that you need when you’re on your holidays.
Mar 09
Timothy Simons GrimshawTravel Tips advice, auto, contract, finance, holiday, insurance, law, legal, leisure, misc, protection, security, travel, Travel Tips, vehicle
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.
If I remember correctly, these caravans were being used for everything from living quarters to tea shops (and I’m still talking about proper caravans, curtains and all, not mobile catering units) they were also used as places for tired musicians to rest and some were even housing paid showers.
Over in the camping fields there were caravans sheltering security staff from the rain, acting as the temporary weekend home for ageing rockers (some may have even been fellow caravan fans who knows?) and as the meeting point for lost festival goers.
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!
Anyway as I said, I started thinking about whether or not they had the correct insurance cover and let’s face it, they probably didn’t did they? If you’re thinking about taking your caravan along to a festival this year it’s worth thinking about proper insurance. A caravan can get damaged by careless fellow festival goers, it can slide off of its own accord into the mud, they can get flooded inside, catch fire, get blown away and, well, almost anything can happen. Luckily you can insure your caravan against most things – even collisions with uninsured caravans being used as tea shops!
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, you should think about looking into some caravan insurance just to be safe.
Mar 06
Ciara Hodson McLemonUncategorized advice, auto, contract, finance, holiday, insurance, law, legal, leisure, misc, protection, security, travel, Travel Tips, vehicle
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.
He phoned his broker and asked about caravan insurance who told him that there shouldn’t be any problem and the broker would be delighted to give Chester a quote. Chester gave the broker details about the type, value and size 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 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.
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 most important factors to take into consideration when thinking about purchasing a caravan. Coversure are a leading provider of caravan insurance and can offer you advice, or a quote to get your caravan insured
Feb 22
Timothy Simons GrimshawTravel Tips advice, auto, contract, finance, holiday, insurance, law, legal, leisure, misc, protection, security, travel, Travel Tips, vehicle
Insuring your possessions is vital today as there are so many incidents that could cause them to be damaged or stolen. If you own a caravan you will probably need to have some caravan insurance advice before you select a policy. If this is the case here are a few pieces of advice on obtaining the right type of caravan insurance.
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.
Many people forget to include costly items that are stored in the caravan. So when you are looking at premiums you need to mention these. There are too many people who overlook what they have in their caravan, so don't fall into this trap when you purchase your insurance.
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.
Getting a lot of quotes from different insurers also makes sense when looking for low cost insurance. You can get as many quotes as you like and you are under no obligation to follow them up. So if you want to make a saving, get quotes.
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.
Learn more about caravan insurance by looking online. Learn if you need to have caravan insurance or not and what coverage is best. Jump online now and learn more.
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