Security tips to safeguard your caravan and golf gear on your next adventure. From the friendly folks at
Planning a trip away is always exciting, and the last thing on your mind might be protecting yourself against something that could go wrong. However, when you’re booking your break it’s also a great time to look at your insurance in case you need to allow a bit of time to make your property more secure in advance of your trip.
After all, if you happen to be one of the unlucky few who experiences an incident while you are away, boxing clever before you go can potentially stop you from incurring unexpected losses that spoil the entire experience for you.
We’ve spoken to the friendly folks at The Insurance Emporium to look at some of the unique risks for holidaymakers, and in particular taking breaks in coastal locations which are often busy holiday hotspots.
TOURING BREAKS
If you have a touring caravan or trailer tent, you can choose from three levels of cover with The Insurance Emporium; Trip, Voyage and Quest, which includes a number of benefits as standard.
Standard benefits on yearly plans include;
- Theft, loss or accidental damage for up to £64,000 (maximum caravan value £50,000)
- New for old for up to 4/7/10 years
- European Use from 180 to 260 days with up to 90 days per occasion
- Public Liability from £1m to £2.25m
- Personal accident from £12,500 up to £40,000
You can also add on optional benefits such as gadget and phone insurance, extended European travel cover, canine emergencies and extended new for old replacement cover, making their policies customisable for your situation. After all, you never know what’s going to happen on the road, and even when parked up you may have seasonal break-ins, the threats of vandalism and extreme weather conditions to think about. The Insurance Emporium do outline their security requirements to help you understand your chosen policy.
What’s really exciting is that they are not only simple and straight-forward to insure with, but they also, offer up to 45% worth of discounts, including (20% driver over 30 years old, up to 20% CaSSOA discount, 15% alarm discount). It’s simple; you reduce the risk of loss, and they reduce the premium!
Savvy travellers should always check out the fine detail of their insurance policy, but that’s not just to check they have the right level of cover, but also because they contain some additional info which may help you avoid losing your hard-earned belongings. As mentioned above, you could also get some extra discounts for taking extra security measures such as the 15% alarm discount.
The Insurance Emporium aims to take a transparent approach to their insurance products; this is all in their not so small print, as they really want you to read it to help you avoid any ‘bumps in the road’ from the outset.
STATIC CARAVAN INSURANCE
Their static caravan insurance works in a similar way for owners of stationary caravan holiday homes, with three levels of cover to choose from; Classic, Prime and Elite, which all include standard benefits.
Standard benefits on yearly plans include:
- Loss, theft or accidental damage for up to £102,000 (maximum caravan value £77,000)
- New for old for up to 4/7/15 years
- Personal accident from £12,500 up to £40,000
As well as standard benefits, you may also add some optional benefits for canine emergencies and gadget and mobile phones cover. Flood, storm damage and theft from the holiday home will be just as relevant, and you may want to make sure that your cover extends to family and friends occupying your caravan too; which is why the coverage extends to three family members and two friends as standard.
There are unique risks for owners of a caravan on a static pitch, such as removal and delivery if you need a damaged unit replaced, and ground rent loss which are covered on their Prime and Elite plans. New for old may also be a particularly tempting inclusion if you like to keep your home-from-home in particularly pristine condition. There’s a lot to think about and it pays to read their not so small print and security requirements to help you choose the exact right policy for you. The Insurance Emporium has made it all available to read on their website to help you stay as trouble-free as possible, home or away!
For static holiday home owners the premium may be discounted by as much as 35% (which includes 10% alarm, 10% no claims, 5% Caravan Club), a significant saving!
EXTRA CHECKPOINTS FOR GOLFERS
As many golf courses are located in coastal locations, Coast readers who like to enjoy a round or two may want to think about checking their equipment cover – after all, your gear might not be cheap!
The Insurance Emporium offers three levels of coverage; Wentworth, Gleneagles and Portrush, and standard benefits include loss, theft, or accidental damage from £1,000 to £9,500 on yearly policies.
When you think there are additional risks when taking valuables to seasonal hotspots, it’s worth checking that your policy conditions cover your needs. For example, if leaving your vehicle unattended your golf equipment will need to be in a locked, alarmed, secure vehicle, and stored out of sight, and you may want to think twice about where that equipment will be stored while you get your head down at night – not all accommodation structures would be secure enough to offer adequate protection!
That’s why The Insurance Emporium might be a good choice of insurance partner for holidaymakers, caravan owners and golf enthusiasts – the security requirements and policy documents are all available for you to view online to help you understand the cover you have chosen.
WHY CHOOSE THE INSURANCE EMPORIUM
- Easy to understand website – their not so small print keeps things transparent – not all insurers are the same!
- They are as passionate about the things you love as you are, offering tailor made options to help you protect them!
- Experience-led products – they are caravanners themselves and understand the specific challenges any holiday maker might face..
- Award winning, insurance products, highly rated by existing customers. They don’t filter their reviews.
- They have a wide range of insurance products to choose from, so whether you have a dog, cat, horse or hobbies such as golfing, caravanning and fishing, you can find the right cover for you.
- Choose your insurance your way– The Insurance Emporium have a website with all the information available to you but in case you don’t understand anything or just want to chat about their policies, they also have a UK based call centre.
Good things happen in The Insurance Emporium!
All content provided on this blog is for informational purposes only. The Insurance Emporium make no representations as to the accuracy or completeness of any information on this site or found by following any link on this site. The Insurance Emporium will not be liable for any errors or omissions in this information nor for the availability of this information. The Insurance Emporium will not be liable for any loss, injury, or damage arising from the display or use of this information. This policy is subject to change at any time.
The Insurance Emporium offer a variety of cover levels, so please check the policy cover suits your needs before purchasing. For your protection, please ensure you read the Insurance Product Information Document (IPID) and policy wording, for information on policy exclusions and limitations.
Lifestyle Policy Limited is an appointed representative of The Equine and Livestock Insurance Company Limited. The Insurance Emporium is a trading name of The Equine and Livestock Insurance Company Limited (registered in England and Wales no: 294940) which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority no:202748. All content provided on this blog is for information purposes only.
