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Touring caravan insurance is something that many caravan owners don t bother with, wrongly believing that it is covered by their existing auto insurance policy. However, your car insurance will only cover third party claims made by the other party in an accident but not damage to your caravan, which could expose you to potentially damaging repair bills. Fortunately, there are ways to get your touring caravan insured for more affordable rates than you would expect. Here are some tips that can help you get affordable insurance:

Get the appropriate coverage amount for your caravan insurance. There are three ways that insurance providers can calculate the amount of your claim: market value, which considers the value of your caravan minus the value of wear and tear; new for old, which replaces your caravan with a comparable model; and guaranteed value, which identifies the amount the insurer is willing to pay in case your caravan is a total loss. Choose an insurance policy based on the age of your caravan so that you won t end up paying for a policy that won t fully reimburse you for the value of your vehicle.

Get the correct coverage level. Since complete comprehensive cover may be beyond your means, you should choose which risks to insure against based on the most likely hazards your caravan will face, such as fire and vandalism.

Become a member of an accepted caravan club. This may qualify you for favored rates on your premiums since it demonstrates that you are a conscientious owner who will take better care of your vehicle.

Install anti-theft and security devices on your vehicle. Many insurers will offer you discounts when you install accepted devices since they make it less likely that your vehicle will be stolen as well as making it more likely that it will be recovered in case it is stolen.

Avoid making claims on your caravan insurance. Making claims on your insurance can cause providers to raise your premiums. So don t make claims on small damages to your caravan and just pay the repair bill since this will save you more money in the long run.

Store your caravan in a secure place. By keeping your caravan in a safe place, you can also be eligible for discounts.

Take a recognized caravan safety driving course. These courses will not only improve your driving skills and make you eligible for discounts, they will also help keep you safe in case you get involved in an accident.

Maintain your caravan in good working order. Have your vehicle checked on a regular basis and ensure that you perform maintenance tasks as recommended by the manufacturer. In particular, watch out for your tires since there has been a reported increase in cases of tire blowout among caravans.

If you only use your caravan a few months a year, you can save money by taking out limited mileage caravan insurance that will offer you more affordable policies provided you don't drive more than a particular amount of miles per year.