There are many things that you would have to take into account when applying for caravan insurance and many things have an effect on your caravan insurance quotes. The cost of insuring your caravan can vary and with some providers the insurance could cost a great deal more than with other providers. However there could be many more benefits to a policy that costs just a little more in monthly premiums so this would have to be taken into account.
Whichever policy you are considering you would have to check the terms carefully as this is where you can find the exclusions and limitations that might apply in your insurance policy. For instance whilst steps, gas bottles and awnings are generally covered in caravan insurance there is usually a limit as to the amount that you could claim for them.
For instance if you are looking for touring caravan insurance then you would have to take into account whether European cover would be included in your caravan insurance quotes.
If it is and you do not plan on travelling outside of the UK then you might want to search for a policy that does not add European cover in as standard. European cover however is needed if you do plan on taking your caravan outside of the UK. It would payout in the event that you could not stay in your caravan for example if you were in an accident. The policy would provide you with money towards alternative accommodation. If this is needed then check and compare as to how many days coverage and up to how much the policy would provide you with.
Another thing that affects caravan insurance and the cost of it is how secure your caravan is. If you have a static caravan and it is on a site that has excellent security and which is walled in with security lightning then your caravan would be classed as being fairly secure. You could also install an alarm system and window and door locks.
If you have a touring caravan and are looking for insurance then you could install a hitchlock onto the caravan whilst towing. This would make it impossible to unhitch which would deter thieves whilst the caravan was hitched up to the car and you stopped at a rest station. You could also install an alarm which would deter thieves and so help to keep down the cost of the premiums for your policy.
When applying for caravan insurance quotes whether they are for static or touring caravans there will be a certain amount of excess that you would have to pay if you were to make a claim. This would have to be paid as a lump sum and then the insurance company would take over the rest of the claim. While you could keep down the cost of the premiums by paying out more should you be unfortunate enough to have to make more than one claim in the same year you could lose out on any savings that you had made by way of the premiums.