There are different types of caravan insurance so when considering a policy you would have to first decide what type you need. You would have to choose between static or touring insurance of course based on the caravan you want to insure. You would also have to check any policy you are considering as what you get in your cover in regards to benefits can differ from insurance provider to provider.
If you are looking for static insurance there are many benefits you could need in your insurance. For instance if you rent out your caravan when you are not using it then you could want to make sure that you would be covered in the event that you were unable to rent due to repairs of the caravan. If your caravan was out of action during the busiest months then you could lose out on a great deal of rental income during this time. If this was included in your insurance you would be able to claim on the policy and have money towards your loss.
Should you be looking for touring caravan insurance you would need to decide if you wanted European cover in your policy. European cover is essential if you are travelling outside of the UK and into Europe. You would then be able to claim on the insurance if you were to have an accident or breakdown. The policy would payout towards you being able to stop in alternative accommodation and for your vehicle to be towed and repaired. You would have to check the cover as insurance providers will give you so many days European cover and the amount of days given could differ by quite a great deal.
Whether you are looking for static or touring insurance there are ways that you could make savings on your policy. To begin with you could take a look at the excess on your policy. All insurance providers will ask that you pay a certain amount of excess if you were to have to make a claim on your insurance. However while there will be a minimum amount you could offer to pay more by way of excess and this could help you to keep down the cost of the insurance premiums. However bear in mind that you would need to find this amount out of your own pocket in a lump sum and should a claim have to be made more than once in the same year then you could lose out on whatever savings you have made by way of the premiums.
The more secure your caravan is then the lower the caravan insurance premiums might be. Therefore you could buy and install security devices to improve the security of your caravan. In the case of your touring caravan you could install a hitchlock and this would ensure that your caravan could not be unhitched while you were parked up. You could install window and door locks on your static caravan and an alarm system and any of these could help you to keep down your insurance premiums.