Club Care survey reveals savvy caravanners

New survey reveals caravan owners are shrewd when choosing their caravan insurance policy

The poll, run in association with caravan forum Caravan Talk, revealed that 51% of caravanners consider the benefits of an insurance policy to be more important to them than the price, with 58% being willing to pay more for their policy to ensure they are well covered should anything happen to their caravan.

While price will always be an important factor when choosing a policy (with 86% of those surveyed confirming this), Club Care’s poll has revealed that caravan owners are savvy when it comes to choosing their insurance and look further than price when deciding which policy to opt for. Other factors expressed as important when choosing a policy included the reputation of the insurer (74%), the no claims discount provided (64%), the size of the excess customers are required to pay (58%) and the number of years new for old cover (45%).

Price will always be a key factor when customers choose which company to insure their caravan with, however it pays to consider the complete range of features a policy provides before making a final decision. Choosing on the basis of cost alone means you may well purchase a policy with a price you are happy with, but when it comes to needing to make a claim the policy doesn't give you the features and benefits, cover and customer assistance that you want.

This is where Defaqto’s Star Rating system comes into play. A Defaqto Star Rating reflects the quality of a product by analysing the benefits a policy provides and comparing this against other insurers, thereby helping consumers to make an informed and unbiased decision about which product best suits their needs.

Defaqto revealed their star ratings for 2012 earlier this month, and Club Care were delighted to be awarded a maximum 5 Star Rating for its touring caravan insurance. This 5 Star Rating indicates that Club Care provides one of the best quality products in the market, with an excellent range of features and benefits and very high levels of cover.

Defaqto analyse up to 101 different features and benefits for each product, based on their views of which features are important to help customers decide which products they need. The rating they have awarded to Club Care reflects the performance of its touring caravan insurance across these benefits, which include:

• awning cover     
• equipment cover
• contents cover
• public liability
• new for old cover
• storm damage
• flood damage
• alternative accommodation
• friends and family cover
• European cover
• no claims discount protection